James Polk Stone Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 18.48 percentage points higher than in Q1 2026, at 127.15%. Within New Mexico, James Polk Stone Community Bank is 18th of 29 on loan-to-deposit ratio, 55.34% as of Q2 2026, below the middle of the field. James Polk Stone Community Bank reported 55.34% on loan-to-deposit ratio for Q2 2026, 25.49 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $209.9M |
| Net loans and leases | $205.0M |
| Loans held for sale | $0 |
| Loans to total assets | 47.31% |
| Loan-to-deposit ratio | 55.34% |
| Net loans to equity capital | 5.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.57% |
| Multifamily (5+ residential) | 9.55% |
| Commercial and industrial | 10.22% |
| Consumer | 4.91% |
| Credit cards | 0.00% |
| Farm | 1.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 127.15% |
| Construction concentration (Tier 1 capital + allowance) | 35.05% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $4.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $162.7M | $297.7M | 31.44% | 10.84% | 6.45% |
| Q4 2023 | $162.6M | $341.8M | 32.16% | 10.16% | 6.54% |
| Q1 2024 | $162.3M | $333.5M | 33.55% | 9.73% | 6.72% |
| Q2 2024 | $165.6M | $330.8M | 34.61% | 9.73% | 6.34% |
| Q3 2024 | $170.7M | $334.6M | 34.20% | 10.03% | 6.82% |
| Q4 2024 | $183.7M | $348.7M | 35.77% | 11.23% | 6.06% |
| Q1 2025 | $181.1M | $355.4M | 36.42% | 10.02% | 5.85% |
| Q2 2025 | $183.7M | $377.8M | 31.10% | 10.14% | 5.52% |
| Q3 2025 | $182.1M | $361.9M | 30.33% | 9.95% | 5.76% |
| Q4 2025 | $184.3M | $376.8M | 29.22% | 9.62% | 5.65% |
| Q1 2026 | $198.8M | $378.0M | 28.27% | 10.31% | 5.28% |
| Q2 2026 | $209.9M | $379.3M | 27.57% | 10.22% | 4.91% |
James Polk Stone Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock James Polk Stone Community Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full James Polk Stone Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2244) · FFIEC NIC profile (RSSD 785857)