JAMES POLK STONE COMMUNITY BANK

PORTALES, NM | Small | Est. July 30, 1906, midnight | FDIC #2244 | RSSD #785857 | FDIC
Latest Report: 2025-12-31

JAMES POLK STONE COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in PORTALES, NM, established in July 30, 1906, midnight. As of 2025-12-31, the bank reported total assets of $443M and total deposits of $377M. Profitability stands at 1.92% ROA and 25.38% ROE, with a net interest margin of 4.88%. The bank's CET1 capital ratio is 7.78%. Asset quality metrics show a non-performing loan ratio of 1.56% and a Texas Ratio of 7.44%. FDIC Certificate #2244.

Assets

$443M

Deposits

$377M

Loans

$184M

Equity

$34M

Profitability

Return on Assets (ROA) 1.92%
Return on Equity (ROE) 25.38%
Net Interest Margin (NIM) 4.88%
Yield on Assets 6.03%
Cost of Funds 1.25%

Asset Quality

NPL Ratio 1.56%
Net Charge-Off Ratio 0.08%
Texas Ratio 7.44%
NPA Ratio 0.66%
ACL / Loans 2.60%

Capital & Liquidity

CET1 Ratio 7.78%
Tier 1 Capital 7.78%
Total Capital Ratio 8.17%
Leverage Ratio 9.81%
Loan-to-Deposit 48.90%

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