James Polk Stone Community Bank
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Data as of · sourced from FFIEC call reports. How we update
James Polk Stone Community Bank is an FDIC-insured commercial bank headquartered in Portales, NM, established in 1906 (FDIC certificate 2244), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $443.8M, up 1.7% from Q2 2025, the 14th largest of 29 banks headquartered in New Mexico. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.98% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2244
- Headquarters
- Portales, NM
- Established
- 1906
- Total assets, Q2 2026
- $443.8M
- Assets vs Q2 2025
- +1.7%
- Tier 1 leverage ratio, Q2 2026
- 9.98%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 112200620
- Latest call report
- Q2 2026, FFIEC 051 · James Polk Stone Community Bank call report
- Holding company
- JAMES POLK STONE COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 14th of 29 in New Mexico
James Polk Stone Community Bank is one of the more profitable banks of its size. Its balance sheet stood at $444 million at June 30, 2026, up 1.7% from a year earlier; it is based in Portales, New Mexico. It returns 27.1% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 1.00% on its deposits and borrowings, lower than about 9 in 10 banks its size (median 1.80%). A wide margin does most of the work: it keeps 4.73 cents of net interest income on every dollar of earning assets.
Loans are outrunning deposits: over the year loans rose 14.3% and deposits rose 0.4%. Its $25 million non-owner-occupied commercial real estate book is improving, with 2.49% past due or on nonaccrual, down from 4.20% a year earlier.
As of June 30, 2026, James Polk Stone Community Bank reported a return on assets of 2.15%, a nonperforming-loan ratio of 1.41% and a Texas ratio of 7.23%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, James Polk Stone Community Bank is the 14th largest of the 29 banks headquartered in New Mexico. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $443.8M, loans rose 5.6% and deposits rose 0.4%. 1-4 family residential loans made up 37.2% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 15.6%. The FDIC Summary of Deposits lists 8 offices for it, in 7 cities in NM; its Portales 2 offices book 42% of its branch deposits. By the capital ratios in its Q2 2026 call report, James Polk Stone Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 109 E 2nd St, Portales, NM 88130
- County
- Roosevelt
- Metro Area
- Clovis, NM
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- July 30, 1906
- Former names
- The James Polk Stone Community Bank (2010); The James Polk Stone National Bank (2006-2010); The Portales National Bank (1977-2006)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 90
- Domestic deposits
- $379.3M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- $194K
- Average total assets
- $446.2M
- Average total loans
- $216.4M
- Average interest-bearing deposits
- $206.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2244
- Fed RSSD
- 785857
- Website
- www.jpstone.com →
- Parent Holding Company
- JAMES POLK STONE COMMUNITY BANCSHARES, INC. (RSSD 1104978)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, James Polk Stone Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, James Polk Stone Community Bank's total assets ran between $332.4M (Q3 2023) and $443.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$443.8M total assets against $436.4M; $407.8M total liabilities against $409.2M.
$205.0M net loans and leases against $179.0M; $379.3M total deposits against $377.8M.
$143.5M securities against $143.3M; $75.7M cash and balances due against $94.9M.
$6.2M total interest income against $6.0M; $1.0M total interest expense against $1.3M.
$5.2M net interest income against $4.7M.
$1.2M total noninterest income against $1.2M; $3.8M total noninterest expense against $3.4M.
$150K provision for credit losses against $275K.
$2.4M net income against $2.2M.
2.15% return on assets against 2.08%; 4.73% net interest margin against 4.62%.
9.98% tier 1 leverage ratio against 9.15%.
Inside the full James Polk Stone Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeJames Polk Stone Community Bank rankings
Its closest position to the top of a national ranking is 353 of 3,611, for ROA; its furthest is 1,766 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.10% (Q1 2025) to 2.44% (Q3 2025) and its net interest margin ran from 4.13% (Q3 2024) to 4.73% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.98% | 2.15% | 1.41% | 7.23% | 4.73% |
| Q1 2026 | 9.92% | 2.01% | 1.54% | 7.74% | 4.69% |
| Q4 2025 | 9.81% | 1.91% | 1.64% | 7.84% | 4.72% |
| Q3 2025 | 9.52% | 2.44% | 1.62% | 8.35% | 4.69% |
| Q2 2025 | 9.15% | 2.08% | 1.58% | 9.07% | 4.62% |
| Q1 2025 | 9.41% | 1.10% | 1.38% | 8.24% | 4.35% |
| Q4 2024 | 9.55% | 1.34% | 0.99% | 6.62% | 4.31% |
| Q3 2024 | 9.37% | 1.54% | 1.02% | 5.93% | 4.13% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The James Polk Stone Community Bank | Portales , NM | 88130 | $159.2M |
| James Polk Stone Community Bank - Hobbs | Hobbs , NM | 88240 | $59.9M |
| James Polk Stone Community Bank-Roswell North | Roswell , NM | 88201 | $53.4M |
| Eunice Branch | Eunice , NM | 88231 | $52.1M |
| James Polk Stone Community Bank-Clovis | Clovis , NM | 88101 | $21.1M |
| James Polk Stone Community Bank - Hagerman | Hagerman , NM | 88232 | $20.3M |
| Carlsbad Branch | Carlsbad , NM | 88220 | $13.4M |
| James Polk Stone Community Bank- Portales South | Portales , NM | 88130 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in NM, rank 28 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, James Polk Stone Community Bank reported total assets of $443.8 million in its FFIEC call report.
Where is James Polk Stone Community Bank headquartered?
It is headquartered in Portales, NM, United States.
When was James Polk Stone Community Bank founded?
It was established in 1906, per the FDIC institution directory.
Is James Polk Stone Community Bank FDIC-insured?
Yes. It 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.
How many branches does James Polk Stone Community Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is James Polk Stone Community Bank's Texas Ratio?
Its Texas Ratio is 7.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was James Polk Stone Community Bank previously called?
The charter now named James Polk Stone Community Bank has also operated as The James Polk Stone Community Bank (2010), The James Polk Stone National Bank (2006-2010), The Portales National Bank (1977-2006), per FDIC structure-change records.
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