James Polk Stone Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 8.00 percentage points higher than in Q1 2026, at 143.17%. James Polk Stone Community Bank ranks 9th of 29 New Mexico banks on return on assets, in the upper half at 2.15% (Q2 2026). James Polk Stone Community Bank's return on assets of 2.15% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.89 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.98% |
| Equity capital to assets | 8.10% |
| Tangible equity to tangible assets | 8.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.63% |
| Non-performing assets ratio | 0.77% |
| Net charge-off ratio | 0.20% |
| Texas ratio | 8.49% |
| Allowance for credit losses to loans | 2.33% |
| Reserve coverage of non-performing loans | 143.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.15% |
| Return on equity | 27.15% |
| Net interest margin | 4.73% |
| Efficiency ratio | 59.53% |
| Yield on earning assets | 5.65% |
| Cost of funds | 1.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.34% |
| Core deposits to total deposits | 97.44% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.48% |
| Securities to assets | 32.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.12% | 1.33% | 3.95% | 1.39% | 0.24% |
| Q4 2023 | 9.86% | 1.22% | 3.79% | 1.36% | 0.94% |
| Q1 2024 | 9.12% | 1.31% | 3.68% | 1.31% | -0.01% |
| Q2 2024 | 9.17% | 1.57% | 3.88% | 1.38% | 0.02% |
| Q3 2024 | 9.37% | 1.54% | 4.13% | 1.09% | 0.09% |
| Q4 2024 | 9.55% | 1.34% | 4.31% | 1.28% | 0.20% |
| Q1 2025 | 9.41% | 1.10% | 4.35% | 1.75% | 0.04% |
| Q2 2025 | 9.15% | 2.08% | 4.62% | 1.87% | -0.00% |
| Q3 2025 | 9.52% | 2.44% | 4.69% | 1.89% | 0.06% |
| Q4 2025 | 9.81% | 1.91% | 4.72% | 1.85% | 0.21% |
| Q1 2026 | 9.92% | 2.01% | 4.69% | 1.81% | 0.18% |
| Q2 2026 | 9.98% | 2.15% | 4.73% | 1.63% | 0.20% |
James Polk Stone Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock James Polk Stone Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)