James Polk Stone Community Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Yield on loans, which fell 0.63 percentage points to 7.99%. Within New Mexico, James Polk Stone Community Bank is 8th of 29 on net interest margin, 4.73% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. James Polk Stone Community Bank sits 0.78 points higher, at 4.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.65% |
| Yield on loans | 7.99% |
| Yield on securities | 3.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.00% |
| Cost of interest-bearing deposits | 1.65% |
| Cost of interest-bearing liabilities | 1.78% |
| Cost of borrowings | 2.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.73% |
| Yield to cost spread | 3.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $840K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.08% | 1.14% | 3.95% | 7.76% | 1.88% |
| Q4 2023 | 5.14% | 1.38% | 3.79% | 8.01% | 1.89% |
| Q1 2024 | 5.13% | 1.52% | 3.68% | 8.15% | 1.73% |
| Q2 2024 | 5.34% | 1.55% | 3.88% | 8.22% | 2.11% |
| Q3 2024 | 5.62% | 1.59% | 4.13% | 8.49% | 2.32% |
| Q4 2024 | 5.72% | 1.45% | 4.31% | 8.70% | 2.50% |
| Q1 2025 | 5.59% | 1.27% | 4.35% | 8.37% | 2.65% |
| Q2 2025 | 5.85% | 1.27% | 4.62% | 8.83% | 2.95% |
| Q3 2025 | 6.01% | 1.29% | 4.69% | 8.71% | 3.04% |
| Q4 2025 | 5.82% | 1.16% | 4.72% | 8.94% | 3.11% |
| Q1 2026 | 5.68% | 1.03% | 4.69% | 8.62% | 3.21% |
| Q2 2026 | 5.65% | 1.00% | 4.73% | 7.99% | 3.30% |
James Polk Stone Community Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock James Polk Stone Community Bank, freeSource: Call Report Schedules RI and RC-K, 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)