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James Polk Stone Community Bank

Portales, NM · Cert 2244 · James Polk Stone Cmty Bancshares

State charter, non-member · FDIC · 8 branches

Q2 2026

$443.8MAssets
$209.9MLoans
$379.3MDeposits
$36.0MEquity
Loan mix
84%RE $167.5M10%C&I $20.6M5%Consumer $10.5MQ2 2025Q2 2026
Deposit mix
54%Interest-bearing $204.3M46%Noninterest $175.0MQ2 2025Q2 2026

NIM

5.03%Q2 ’245.33%Q2 ’255.47%Q2 ’26+16%+9%

Non-interest income vs. expense

3.19%Q2 ’243.21%Q2 ’253.22%Q2 ’26+1%-1%

Executive Summary

  • Earnings: ROA of 1.63%, up 37 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 1.41% of loans (-17 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 9.98%, up 83 bps from a year ago.
  • Funding: loans stand at 55.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.63%+37 bps YoY

Net Interest Margin (YTD, annualized)

4.53%+36 bps YoY

Efficiency Ratio (YTD, annualized)

57.01%-395 bps YoY

Tier 1 Leverage Ratio

9.98%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.49%1.50%1.57%1.63%+37 bps
Return on Equity20.70%23.22%22.34%20.19%20.69%-2 bps
Net Interest Margin4.17%4.18%4.19%4.44%4.53%+36 bps
Efficiency Ratio60.96%58.73%59.83%53.82%57.01%-395 bps
Non-Interest Burden2.12%1.98%2.06%1.85%2.11%-1 bps
Growth
Asset Growth (YoY)14.49%8.21%10.23%7.70%1.68%-1,281 bps
Loan Growth (YoY)10.98%6.66%0.33%9.76%14.26%+328 bps
Deposit Growth (YoY)14.20%8.14%8.07%6.36%0.40%-1,381 bps
Asset Quality
Nonperforming Loans / Loans1.58%1.62%1.64%1.54%1.41%-17 bps
Net Charge-Offs / Loans0.02%0.03%0.08%0.18%0.18%+17 bps
Allowance / Loans2.57%2.60%2.60%2.44%2.33%-23 bps
Allowance Coverage of NPLs1.6x1.6x1.6x1.6x1.7x0.0x
Capital
Tier 1 Leverage Ratio9.15%9.52%9.81%9.92%9.98%+83 bps
Total Risk-Based Capital9.15%9.52%9.81%9.92%9.98%+83 bps
Equity / Assets6.25%7.37%7.78%7.82%8.10%+185 bps
Liquidity & Funding
Loans / Deposits48.63%50.32%48.90%52.59%55.34%+671 bps
Liquid Assets / Assets21.77%17.99%20.16%17.56%16.85%-492 bps
CRE / Total Capitaln/a182.01%175.01%187.36%n/an/a