Incommons Bank, N.A.: how it compares with its peers
Against 140 TX banks with half to twice its assets, Incommons Bank, N.A.'s strongest measure in Q2 2026 is net interest margin (4.74% vs. a 4.19% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $6.7M).
| Measure | Incommons Bank, N.A. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.60% | 1.44% | Middle third Ahead of 61% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.74% | 4.19% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.31% | 61.21% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.7M | Bottom third Ahead of 16% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.00% | 67.68% | Context |
What it means for lending operations
Its efficiency ratio of 60.31% is better than the 61.21% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- PrimeBank of Texas Austin, TX · $280M
- The First National Bank of Ballinger Ballinger, TX · $275M
- The Jacksboro National Bank Jacksboro, TX · $283M
- Victory Bank Lubbock, TX · $285M
- Citizens State Bank Miles, TX · $270M
- Farmers and Merchants Bank De Leon, TX · $270M
Questions about Incommons Bank, N.A.
How big is Incommons Bank, N.A.?
Incommons Bank, N.A., established in 1882, is headquartered in Mexia, TX. It reported $278M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Incommons Bank, N.A.'s return on assets?
1.60% annualized in Q2 2026, against a 1.44% median for 140 TX banks with half to twice its assets, ahead of 61% of them.
What is Incommons Bank, N.A.'s efficiency ratio?
60.31% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 61.21%, and lower is better.
Is Incommons Bank, N.A. growing its loans?
Net loans grew 1.7% over the year to Q2 2026, while deposits grew 10.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.