Incommons Bank, National Association
Mexia, TX · Cert 3342 · Peer group: banks under $1B in assets in TX (n=208-211) · Bi-Stone Bancshares Inc.
National charter · OCC · 6 branches
Q2 2026
$277.6MAssets
$196.4MLoans
$245.8MDeposits
$25.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 88% of banks under $1B in assets in TX (rank 26 of 211).
- Widest gap: equity / assets trails 78% of banks under $1B in assets in TX (rank 165 of 211).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.60%
Rank 57 of 211
Net Interest Margin
4.30%
Rank 54 of 211
Efficiency Ratio
60.31%
Rank 88 of 211
Equity / Assets
9.15%
Rank 165 of 211
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 59% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.60% | 0.87% | 1.20% | 1.65% | Beats 73% | 57 / 211 | |
| Return on Equity | 17.45% | 7.52% | 11.67% | 14.58% | Beats 88% | 26 / 211 | |
| Net Interest Margin | 4.30% | 3.28% | 3.82% | 4.31% | Beats 74% | 54 / 211 | |
| Efficiency Ratio | 60.31% | 53.01% | 64.18% | 73.65% | Beats 59% | 88 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.01% | 0.30% | 1.10% | Beats 44% | 117 / 208 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.06% | Beats 41% | 123 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 15.01% | 11.72% | 14.45% | 19.57% | Beats 54% | 97 / 211 | |
| Total Risk-Based Capital Ratio | 16.23% | 11.94% | 14.78% | 20.30% | Beats 58% | 88 / 211 | |
| Equity / Assets | 9.15% | 9.41% | 11.06% | 12.94% | Beats 22% | 165 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 79.92% | 45.39% | 66.56% | 82.03% | 71st pctl | 60 / 208 | |
| Loans / Assets | 70.75% | 39.13% | 56.90% | 70.46% | 76th pctl | 51 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |