JAMES POLK STONE COMMUNITY BANK
JAMES POLK STONE COMMUNITY BANK is an FDIC-insured commercial bank headquartered in PORTALES, NM, established in 1906. As of , 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 4.65%. CET1 capital ratio: 7.78%. NPL ratio: 1.85% · Texas Ratio: 8.85%. Operates 9 domestic branches.
Capital & Liquidity
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James Polk Stone Community Bank rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 7.78% | 1.92% | 1.85% | 8.85% | 4.65% |
| 2025-09-30 | 7.37% | 2.42% | 1.89% | 9.75% | 4.62% |
| 2025-06-30 | 6.25% | 2.10% | 1.87% | 10.72% | 4.59% |
| 2025-03-31 | 6.27% | 1.10% | 1.75% | 10.47% | 4.28% |
| 2024-12-31 | 5.74% | 1.32% | 1.28% | 8.60% | 4.23% |
| 2024-09-30 | 6.39% | 1.53% | 1.09% | 6.35% | 4.06% |
| 2024-06-30 | 5.38% | 1.57% | 1.38% | 9.24% | 3.81% |
| 2024-03-31 | 5.23% | 1.30% | 1.31% | 8.85% | 3.62% |
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Frequently asked about JAMES POLK STONE COMMUNITY BANK
What are James Polk Stone Community Bank's total assets?
As of the Q4 2025 filing, James Polk Stone Community Bank reported total assets of $443.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is James Polk Stone Community Bank headquartered?
James Polk Stone Community Bank is headquartered in PORTALES, NM, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was James Polk Stone Community Bank founded?
James Polk Stone Community Bank was established in 1906, per the FDIC institution directory.
Is James Polk Stone Community Bank FDIC-insured?
Yes. James Polk Stone Community Bank is an FDIC-insured commercial bank (FDIC Certificate #2244). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates James Polk Stone Community Bank?
James Polk Stone Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is James Polk Stone Community Bank's CET1 capital ratio?
James Polk Stone Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 7.78% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does James Polk Stone Community Bank operate?
James Polk Stone Community Bank operates 9 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is James Polk Stone Community Bank's Texas Ratio?
James Polk Stone Community Bank's Texas Ratio is 8.85% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.