James Polk Stone Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks James Polk Stone Community Bank of Portales, NM against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.15% | 1.35% | +0.80% | 89th top |
| ROAE | 27.15% | 12.05% | +15.10% | 97th top |
| Net Interest Margin | 4.73% | 3.90% | +0.83% | 87th top |
| Efficiency Ratio | 59.53% | 63.15% | -3.62% | 56th above |
| PPNR / Avg Assets | 2.28% | 1.64% | +0.64% | 83rd top |
| Yield on Earning Assets | 5.65% | 5.65% | +0.00% | 52nd above |
| Cost of Funds | 1.00% | 1.85% | -0.85% | 91st top |
| Net Interest Spread | 3.87% | 3.35% | +0.52% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.63% | 0.92% | +0.71% | 17th bottom |
| NPA / Total Assets | 0.77% | 0.67% | +0.10% | 27th below |
| NCO / Avg Loans | 0.20% | 0.15% | +0.05% | 13th bottom |
| ACL / Total Loans | 2.33% | 1.28% | +1.05% | 96th top |
| ACL / NPLs (Coverage) | 143.17% | 1645.78% | -1502.61% | 39th below |
| Texas Ratio | 8.49% | 7.15% | +1.34% | 26th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 154.64% | 1189.83% | -1035.19% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.98% | 12.46% | -2.48% | 31st below |
| Equity / Assets | 8.10% | 11.67% | -3.57% | 15th bottom |
| TCE / Tangible Assets | 8.10% | 11.40% | -3.30% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.34% | 78.65% | -23.31% | 87th top |
| Core Deposit Ratio | 97.44% | 87.09% | +10.35% | 94th top |
| Wholesale Funding Ratio | 6.13% | 5.11% | +1.02% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.68% | 6.48% | -4.80% | 30th below |
| Loan Growth (Y/Y) | 14.26% | 7.64% | +6.62% | 85th top |
| Deposit Growth (Y/Y) | 0.40% | 6.03% | -5.63% | 25th below |
See James Polk Stone Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock James Polk Stone Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full James Polk Stone Community Bank profile, how to read a UBPR, or how this data updates.