Incommons Bank N A (FDIC #3342): Bank Stress & Real-Estate Credit Exposure
Incommons Bank N A (FDIC Cert #3342): bank stress 62/100, elevated, STABLE over 7 days; parent BI-STONE BANCSHARES INC.
Incommons Bank N A (#3342) lends in 4 counties across 1 state; Incommons Bank N A (#3342) reaches 55 ZIP codes: Texas 4 counties, 55 ZIPs.
Incommons Bank N A (#3342) largest markets: Mclennan County, TX (58 branches, 29 ZIPs) (#3342), Falls County, TX (17 branches, 17 ZIPs) (#3342), Limestone County, TX (28 branches, 14 ZIPs) (#3342), Freestone County, TX (9 branches, 9 ZIPs) (#3342).
Incommons Bank N A (#3342) reports $277.6 million in total assets; Incommons Bank N A (#3342) equity $25.4 million (9.2% of Incommons Bank N A (#3342) assets); Incommons Bank N A (#3342) domestic deposits $245.8 million; Incommons Bank N A (#3342) net income $2.2 million; Incommons Bank N A (#3342) return on assets 1.60%; Incommons Bank N A (#3342) return on equity 18.23%; Incommons Bank N A (#3342) net interest income $6.0 million; Incommons Bank N A (#3342) call report June 30, 2026.
Incommons Bank N A (#3342) noncurrent real-estate loans: none reported; Incommons Bank N A (#3342) net charge-offs on real estate 0.37%; Incommons Bank N A (#3342) residential charge-offs 0.05%.
Incommons Bank N A (#3342) net interest margin 4.74% against an eight-quarter Incommons Bank N A (#3342) average of 4.50% (Incommons Bank N A (#3342) compression -0.24 points); Incommons Bank N A (#3342) non-residential real estate 4.5% of equity; Incommons Bank N A (#3342) rate-exposure score 40/100, Incommons Bank N A (#3342) fixed-rate trap 40/100; Incommons Bank N A (#3342) risk type credit driven; Incommons Bank N A (#3342) rate regime rates elevated, Incommons Bank N A (#3342) snapshot October 19, 2026.
Incommons Bank N A (#3342) stress score moved from 60.4 on June 22, 2026 to 61.5 on October 19, 2026; Incommons Bank N A (#3342) ranged 60.4 to 61.5 over 116 snapshots.
Incommons Bank N A (#3342) alerts: 4 counties; top Incommons Bank N A (#3342) alert scores: Fairfield County, TX 20 (low); Mexia County, TX 20 (low); Rosebud County, TX 20 (low); Woodway County, TX 20 (low).