James Polk Stone Community Bank
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
$443.8MAssets
$209.9MLoans
$379.3MDeposits
$36.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 96% of banks under $1B in assets operating in a single state (rank 30 of 746).
- Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets operating in a single state (rank 689 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $9.4M · efficiency ratio beats 71% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |