| Weiss Ratings |
Incommons Bank, National Association
Mexia, TX |
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| Rating | ||||
| Asset Quality Index | 7.50 | |||
| Capitalization Index | 8.80 | |||
| Liquidity Index | 2.50 | |||
| Profitability Index | 7.50 | |||
| Stability Index | 5.70 | |||
| Company Info |
Incommons Bank, National Association
Mexia, TX |
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| FDIC Number | 3342 | |||
| Phone Number | (254) 562-3821 | |||
| Website | www.incommonsbank.com | |||
| Asset Quality |
Incommons Bank, National Association
Mexia, TX |
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| 1-Year Asset Growth | 6.08% | |||
| 5-Year Asset Growth | 9.19% | |||
| 5-Year Charge-Offs to Average Loans | 0.10% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.39% | |||
| Non-Performing Loans to Capital | 2.61% | |||
| Non-Performing Loans to Loans | 0.18% | |||
| Balance Sheet |
Incommons Bank, National Association
Mexia, TX |
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| Total Assets | 277.62M | |||
| Total Deposits | 245.78M | |||
| Capital and Reserves |
Incommons Bank, National Association
Mexia, TX |
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| Capital | 25.42M | |||
| Leverage Ratio | 10.20 | |||
| Loan Loss Reserves to Loans | 1.16% | |||
| Risk-Based Capital Ratio | 16.23 | |||
| Liquidity |
Incommons Bank, National Association
Mexia, TX |
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| Hot Money Ratio | 17.94% | |||
| Liquidity Ratio | 13.89% | |||
| Profitability |
Incommons Bank, National Association
Mexia, TX |
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| 5-Year Return on Average Assets | 1.23% | |||
| Net Income | 2.22M | |||
| Net Interest Spread | 4.67% | |||
| Operating Profit to Average Assets | 1.95% | |||
| Overhead Efficiency Ratio | 60.31% | |||
| Return on Assets | 1.59% | |||
| Return on Equity | 18.24% | |||