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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Mexia, TX · FDIC certificate #3342
INCOMMONS BANK N A is an FDIC-insured institution based in Mexia, TX (FDIC certificate #3342). In its Q3 2026 Call Report it reported total assets of $271M, total deposits of $240M and net loans of $187M. Its primary federal regulator is OCC.
Plain-language readout
INCOMMONS BANK N A has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $282M in Q1 2026 and were lowest at $271M in Q3 2026.
Total deposits were highest at $248M in Q1 2026 and lowest at $240M in Q3 2026.
Over the whole period total assets fell 3.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $271M | $240M | $187M | 1.52% | 17.07% | 4.71% |
| Q2 2026 | $278M | $246M | $194M | 1.60% | 18.23% | 4.74% |
| Q1 2026 | $282M | $248M | $200M | 1.69% | 19.66% | 4.77% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $28.9M | $25.0M | +$3.9M | +15.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $42.2M | $44.7M | -$2.5M | -5.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $194.2M | $200.2M | -$6.1M | -3.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.5M | $4.5M | -$33K | -0.7% |
| Other real estate owned | $735K | $750K | -$15K | -2.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $7.1M | $7.2M | -$78K | -1.1% |
| Total assets | $277.6M | $282.5M | -$4.8M | -1.7% |
| Liabilities | ||||
| Total deposits | $245.8M | $248.5M | -$2.7M | -1.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.0M | $8.0M | -$3.0M | -37.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.7M | -$229K | -13.8% |
| Total liabilities | $252.2M | $258.1M | -$5.9M | -2.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $8.0M | $8.0M | $0K | 0.0% |
| Retained earnings | $20.2M | $19.2M | +$1.0M | +5.5% |
| Accumulated other comprehensive income | -$3.0M | -$3.1M | +$62K | +2.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $25.4M | $24.3M | +$1.1M | +4.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.5M | $1.2M | +$372K | +32.0% |
| Adjusted nonperforming assets | $1.5M | $1.2M | +$372K | +32.0% |
| Tangible equity plus allowance | $27.7M | $26.6M | +$1.1M | +4.1% |
| Texas ratio (gross) | 5.55% | 4.38% | +1.17 pts | See points |
| Texas ratio (adjusted) | 5.55% | 4.38% | +1.17 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.55% | 4.38% | +1.17 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.01% | 13.91% | +1.10 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.01% | 13.91% | +1.10 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.22% | 1.18% | +0.04 pts | See points |
| Total risk-based capital to risk-weighted assets | 16.23% | 15.09% | +1.14 pts | See points |
| Tier 1 leverage (approximate) | 10.20% | 9.85% | +0.34 pts | See points |
| Construction and land loans to total capital | 14.59% | 16.59% | -2.00 pts | See points |
| Commercial real estate to total capital | 179.21% | 201.25% | -22.05 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -13.46% | -14.26% | +0.80 pts | See points |
| Liquidity | ||||
| Core deposits | $233.0M | $236.1M | -$3.1M | -1.3% |
| Non-core funding | $17.8M | $20.4M | -$2.6M | -12.9% |
| Loans to core deposits | 84.30% | 85.77% | -1.48 pts | See points |
| Loans to deposits | 79.92% | 81.50% | -1.58 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 85.51% | 82.35% | +3.16 pts | See points |
| Loans pledged, share of loans | 94.41% | 94.55% | -0.14 pts | See points |
| Volatile liabilities | $18.6M | $21.4M | -$2.8M | -13.0% |
| Earnings | ||||
| Earnings before provision, year to date | $2.7M | $1.5M | +$1.3M | +88.6% |
| Earnings before provision, single quarter | $1.3M | $1.5M | -$166K | -11.4% |
| Provision for credit losses, year to date | $26K | $20K | +$6K | +30.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.62% | 7.71% | -0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 3.58% | 3.38% | +0.21 pts | See points |
| Total interest income to average assets | 6.15% | 6.23% | -0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 1.92% | 1.78% | +0.14 pts | See points |
| Cost of savings and money market deposits | 2.27% | 2.29% | -0.02 pts | See points |
| Cost of time deposits | 3.69% | 3.92% | -0.23 pts | See points |
| Total interest expense to average assets | 1.86% | 1.91% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $271M | $240M | $187M | 1.52% | 17.07% | 4.71% |
| 2026-06-30 | $278M | $246M | $194M | 1.60% | 18.23% | 4.74% |
| 2026-03-31 | $282M | $248M | $200M | 1.69% | 19.66% | 4.77% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TX | $223.4M | 0.01% | 286 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.