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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

5.14%Q2 ’245.59%Q2 ’255.59%Q2 ’26+19%+6%

Non-interest income vs. expense

3.10%Q2 ’243.18%Q2 ’253.44%Q2 ’260%+15%

Executive Summary

  • Earnings: ROA of 1.70%, up 4 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 1.41% of loans (-17 bps YoY), with net charge-offs at 0.20%.
  • 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 (quarter, annualized)

1.70%+4 bps YoY

Net Interest Margin (quarter, annualized)

4.66%+25 bps YoY

Efficiency Ratio (quarter, annualized)

60.12%+256 bps YoY

Tier 1 Leverage Ratio

9.98%+83 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.65%1.90%1.52%1.57%1.70%+4 bps
Return on Equity26.39%28.02%20.02%20.19%21.31%-508 bps
Net Interest Margin4.41%4.19%4.46%4.44%4.66%+25 bps
Efficiency Ratio57.56%54.44%62.95%53.82%60.12%+256 bps
Non-Interest Burden2.07%1.71%2.41%1.85%2.38%+31 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 / Loans0.00%0.06%0.21%0.18%0.20%+21 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