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The James Polk Stone Community Bank

$100M-$1B Specialty: Commercial NM FDIC cert 2244

Portales, NM

8 branches across NM

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 21 in NM.
  • Deposits +0.4% year over year ($379.3M on the books).
  • Delinquency rate 1.44%.
  • Return on assets 2.08%.
  • Efficiency ratio 57.01% vs a 64.48% peer average.
  • Loan-to-deposit ratio 54.05% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 21 in NM
View $100M-$1B leaderboard (NM) →

The James Polk Stone Community Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 18.0% in tier
  • + Revenue Diversifier: Top 20.0% in tier
  • + Profitability Leader: Top 21.6% in tier
  • + Efficiency Ratio 7.46% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 18.2% in tier
  • - Delinquency Rate 0.52% above tier average
Get updates when The James Polk Stone Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Total Assets ? $443.8M
+1.7% YoY +0.1% QoQ
+$57.2M $386.6M
+1.2% YoY
$566.9M
+3.2% YoY
$6.3B
+7.7% YoY
66%
Total Loans ? $205.0M
+14.5% YoY +5.7% QoQ
-$53.3M $258.3M
+1.7% YoY
$317.6M
+7.5% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $379.3M
+0.4% YoY +0.4% QoQ
+$52.6M $326.7M
+0.7% YoY
$493.4M
+2.0% YoY
$4.9B
+7.3% YoY
67%
Return on Assets ? 2.08%
+29.8% YoY +3.9% QoQ
+0.76% 1.32%
+10.8% YoY
1.89%
+4.0% YoY
1.30%
+12.1% YoY
Top 11.5% in tier
Net Interest Margin ? 4.89%
+6.2% YoY +2.7% QoQ
+0.91% 3.99%
+5.0% YoY
4.43%
+1.2% YoY
3.95%
+4.9% YoY
Top 10.0% in tier
Efficiency Ratio ? 57.01%
-6.5% YoY +5.9% QoQ
-7.46% 64.48%
-3.2% YoY
57.29%
+2.1% YoY
70.05%
+2.5% YoY
66%
Delinquency Rate ? 1.44%
-11.0% YoY -8.6% QoQ
+0.52% 0.92%
+15.7% YoY
1.04%
-16.3% YoY
0.98%
+16.3% YoY
19%
Loan-to-Deposit Ratio ? 54.05%
+14.1% YoY +5.4% QoQ
-23.90% 77.95%
+1.0% YoY
57.68%
+1.9% YoY
79.03%
+2.3% YoY
Top 11.7% in tier
Non-Interest-Bearing Deposit Share ? 46.14%
-0.8% YoY -0.9% QoQ
+24.11% 22.03%
-0.6% YoY
32.88%
-1.5% YoY
21.98%
-0.6% YoY
Top 2.5% in tier
Nonperforming Asset Ratio ? 0.67%
+0.2% YoY -3.4% QoQ
+0.00% 0.67%
+16.4% YoY
0.60%
-19.3% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 9.98%
+9.1% YoY +0.6% QoQ
-5.93% 15.91%
+1.4% YoY
21.71%
-4.2% YoY
17.09%
+0.8% YoY
Bottom 10.4% in tier
Non-Interest Income / Assets ? 0.56%
+4.6% YoY +90.9% QoQ
-0.01% 0.57%
+7.6% YoY
0.46%
-9.7% YoY
0.66%
+5.2% YoY
Top 7.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Noninterest-Bearing 46.1%
-0.4pp YoY
-0.4pp QoQ
 +24.0pp 22.1% 34.1% 22.2% 98%
Brokered Deposits n/a n/a 7.9% 5.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
C&I 10.5%
+0.1pp YoY
-0.1pp QoQ
 -1.0pp 11.6% 20.2% 12.5% 56%
CRE 46.6%
+2.7pp YoY
+4.1pp QoQ
 +7.1pp 39.5% 50.8% 41.4% 65%
1-4 Family 38.0%
-2.0pp YoY
-3.0pp QoQ
 +5.4pp 32.6% 20.2% 31.3% 67%
Consumer 5.0%
-0.6pp YoY
-0.4pp QoQ
 +0.9pp 4.1% 3.8% 5.0% 77%

Capital

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 26.0% 19.7% n/a
Leverage Ratio 10.0%
+0.8pp YoY
+0.1pp QoQ
 -2.2pp 12.2% 13.9% 12.6% 31%
Total Capital Ratio n/a n/a 19.9% 27.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Full-Time Employees 90
+3 (+3.4%) YoY
-3 (-3.2%) QoQ
 +31 58 75 482 82%
Assets per Employee ($) $4.9M
-1.7% YoY
+3.5% QoQ
 -$2.6M $7.5M $7.6M $8.8M 14%
Branch Count 8
-1 (-11.1%) YoY
0 QoQ
 +3 4 6 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.1% 0.4% 27%
Nonaccrual 1.4%
-0.2pp YoY
-0.2pp QoQ
 +0.5pp 0.9% 1.1% 1.0% 80%
Allowance Coverage 1.66x
+1.9% YoY
+4.4% QoQ
 -22.49x 24.15x 56.44x 20.23x 42%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.1% 0.2% 85%

Profitability

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
ROE 26.4%
0.0pp YoY
+0.7pp QoQ
 +14.2pp 12.2% 18.9% 11.6% 97%
Cost of Funds (YTD) 1.0%
-0.3pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.0% 1.7% 11%
Net Income ($, YTD) $4.6M
+38.1% YoY
— QoQ
 +$2.1M $2.6M $5.6M $40.4M 85%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Deposit Franchise

growth
#51 of 278 • Top 18.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 46.14%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.89%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Revenue Diversifier

growth
#133 of 661 • Top 20.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.56%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.08%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Profitability Leader

growth
#144 of 661 • Top 21.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.08%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Capital Thin

risk
#121 of 661 • Bottom 18.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.98%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

67
Non-Interest-Bearing Deposit Share
funding
Value: 46.14%
Peer Median: 22.03%
#67 of 2643 Top 2.5% in $100M-$1B
211
Non-Interest Income / Assets
revenue_mix
Value: 0.56%
Peer Median: 0.57%
#211 of 2643 Top 7.9% in $100M-$1B
265
Net Interest Margin
profitability
Value: 4.89%
Peer Median: 3.99%
#265 of 2643 Top 10.0% in $100M-$1B
305
Return on Assets
profitability
Value: 2.08%
Peer Median: 1.32%
#305 of 2643 Top 11.5% in $100M-$1B
310
Loan-to-Deposit Ratio
liquidity
Value: 54.05%
Peer Median: 77.95%
#310 of 2643 Top 11.7% in $100M-$1B

Top Weaknesses (2 metrics)

2369
Tier 1 Capital Ratio
capital
Value: 9.98%
Peer Median: 15.91%
#2369 of 2643 Bottom 10.4% in $100M-$1B
2128
Delinquency Rate
credit_quality
Value: 1.44%
Peer Median: 0.92%
#2128 of 2633 Bottom 19.2% in $100M-$1B
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