Portales, NM · Cert 2244 · James Polk Stone Cmty Bancshares
State charter, non-member · FDIC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
15
Profitability
89
Liquidity
28
Efficiency
71
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Portales, NM · Cert 2244 · James Polk Stone Cmty Bancshares
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.12% | 0.86% | 1.26% | 1.49% | 1.50% | 1.57% | 1.63% | +37 bps | |
| Return on Equity | 20.74% | 20.10% | 14.36% | 20.70% | 23.22% | 22.34% | 20.19% | 20.69% | -2 bps | |
| Net Interest Margin | 3.71% | 3.76% | 4.15% | 4.17% | 4.18% | 4.19% | 4.44% | 4.53% | +36 bps | |
| Efficiency Ratio | 68.20% | 66.30% | 64.71% | 60.96% | 58.73% | 59.83% | 53.82% | 57.01% | -395 bps | |
| Non-Interest Burden | 2.16% | 2.08% | 2.29% | 2.12% | 1.98% | 2.06% | 1.85% | 2.11% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.88% | 3.40% | 7.56% | 14.49% | 8.21% | 10.23% | 7.70% | 1.68% | -1,281 bps | |
| Loan Growth (YoY) | 4.95% | 12.95% | 11.61% | 10.98% | 6.66% | 0.33% | 9.76% | 14.26% | +328 bps | |
| Deposit Growth (YoY) | 12.39% | 2.00% | 6.55% | 14.20% | 8.14% | 8.07% | 6.36% | 0.40% | -1,381 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.02% | 0.99% | 1.38% | 1.58% | 1.62% | 1.64% | 1.54% | 1.41% | -17 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.07% | 0.04% | 0.02% | 0.03% | 0.08% | 0.18% | 0.18% | +17 bps | |
| Allowance / Loans | 2.46% | 2.33% | 2.45% | 2.57% | 2.60% | 2.60% | 2.44% | 2.33% | -23 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.4x | 1.8x | 1.6x | 1.6x | 1.6x | 1.6x | 1.7x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.37% | 9.55% | 9.41% | 9.15% | 9.52% | 9.81% | 9.92% | 9.98% | +83 bps | |
| Total Risk-Based Capital | 9.37% | 9.55% | 9.41% | 9.15% | 9.52% | 9.81% | 9.92% | 9.98% | +83 bps | |
| Equity / Assets | 6.39% | 5.74% | 6.27% | 6.25% | 7.37% | 7.78% | 7.82% | 8.10% | +185 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.02% | 52.68% | 50.96% | 48.63% | 50.32% | 48.90% | 52.59% | 55.34% | +671 bps | |
| Liquid Assets / Assets | 19.25% | 18.26% | 20.96% | 21.77% | 17.99% | 20.16% | 17.56% | 16.85% | -492 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 182.01% | 175.01% | 187.36% | n/a | n/a | |
Portales, NM · Cert 2244 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · James Polk Stone Cmty Bancshares
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
1.63%
Rank 128 of 746
Net Interest Margin
4.53%
Rank 86 of 746
Efficiency Ratio
57.01%
Rank 214 of 746
Equity / Assets
8.10%
Rank 640 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.63% | 0.72% | 1.06% | 1.45% | Beats 83% | 128 / 746 | ||
| Return on Equity | 20.16% | 6.74% | 10.51% | 13.63% | Beats 96% | 30 / 746 | ||
| Net Interest Margin | 4.53% | 3.17% | 3.68% | 4.16% | Beats 88% | 86 / 746 | ||
| Efficiency Ratio | 57.01% | 55.74% | 64.58% | 75.47% | Beats 71% | 214 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.41% | 0.09% | 0.42% | 1.07% | Beats 18% | 608 / 743 | ||
| Net Charge-Offs / Loans | 0.15% | 0.00% | 0.01% | 0.05% | Beats 11% | 664 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.98% | 11.55% | 13.75% | 17.60% | Beats 8% | 686 / 746 | ||
| Total Risk-Based Capital Ratio | 9.98% | 11.71% | 14.33% | 18.43% | Beats 8% | 689 / 746 | ||
| Equity / Assets | 8.10% | 8.90% | 10.51% | 13.06% | Beats 14% | 640 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.34% | 61.31% | 78.27% | 90.78% | 18th pctl | 614 / 746 | ||
| Loans / Assets | 47.31% | 53.60% | 66.97% | 76.08% | 17th pctl | 619 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||