BlastPoint's Banking Scorecard

The James Polk Stone Community Bank

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

Portales, NM

8 branches across NM

2664 banks in the $100M-$1B peer group nationally 22 in NM

The James Polk Stone Community Bank has 4 strengths but faces 1 concern

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

+ Profitability Leader: Top 10.7% in tier
+ Revenue Diversifier: Top 19.2% in tier
+ Deposit Franchise: Top 22.4% in tier
+ Efficiency Ratio 11.47% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 43.4% in tier

Get updates when The James Polk Stone Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$443.2M +7.7% YoY +0.1% QoQ	+$57.1M	$386.1M +0.5% YoY	$562.1M +2.2% YoY	$6.2B +9.1% YoY	66%
Total Loans ?	$193.9M +9.8% YoY +8.0% QoQ	-$61.8M	$255.7M +1.1% YoY	$311.0M +7.5% YoY	$3.2B +10.8% YoY	47%
Total Deposits ?	$378.0M +6.4% YoY +0.3% QoQ	+$50.0M	$328.0M +0.1% YoY	$489.7M +0.9% YoY	$4.8B +8.2% YoY	67%
Return on Assets ?	2.00% +82.7% YoY +5.6% QoQ	+0.73%	1.27% +12.9% YoY	1.89% +10.3% YoY	1.23% +13.4% YoY	Top 12.4% in tier
Net Interest Margin ?	4.76% +6.4% YoY +2.7% QoQ	+0.83%	3.93% +6.0% YoY	4.41% +2.5% YoY	3.89% +5.7% YoY	Top 11.7% in tier
Efficiency Ratio ?	53.82% -16.8% YoY -10.1% QoQ	-11.47%	65.29% -4.5% YoY	56.82% -1.4% YoY	66.95% -4.1% YoY	77%
Delinquency Rate ?	1.58% +11.7% YoY -6.4% QoQ	+0.69%	0.89% +18.8% YoY	1.04% -3.5% YoY	0.95% +18.8% YoY	17%
Loan-to-Deposit Ratio ?	51.31% +3.2% YoY +7.7% QoQ	-25.33%	76.64% +0.8% YoY	57.05% +2.9% YoY	76.70% +0.9% YoY	Top 10.7% in tier
Non-Interest-Bearing Deposit Share ?	46.58% -1.3% YoY +0.6% QoQ	+24.56%	22.02% -1.0% YoY	32.96% +0.3% YoY	22.01% -1.2% YoY	Top 2.4% in tier
Nonperforming Asset Ratio ?	0.69% +13.9% YoY -0.8% QoQ	+0.05%	0.64% +19.7% YoY	0.58% -1.5% YoY	0.67% +19.3% YoY	30%
Tier 1 Capital Ratio ?	9.92% +5.5% YoY +1.1% QoQ	-5.91%	15.83% +1.5% YoY	21.68% -6.9% YoY	17.06% +0.8% YoY	Bottom 9.0% in tier
Non-Interest Income / Assets ?	0.29% +5.2% YoY -73.3% QoQ	+0.01%	0.28% +9.3% YoY	0.22% -8.0% YoY	0.32% +4.1% YoY	Top 6.9% in tier

Get Full Access to The James Polk Stone Community Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

Profitability Leader

growth

#72 of 666 • Top 10.7% in tier

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

Why this signature

Return on Assets: 2.00%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#129 of 666 • Top 19.2% 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: 0.29%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.00%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#62 of 272 • Top 22.4% 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: 46.58%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.76%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (1)

Credit Risk Growth

risk

#423 of 973 • Bottom 43.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 46.58%

Peer Median: 22.02%

#66 of 2664 Top 2.4% in $100M-$1B

184

Non-Interest Income / Assets

revenue_mix

Value: 0.29%

Peer Median: 0.28%

#184 of 2664 Top 6.9% in $100M-$1B

287

Loan-to-Deposit Ratio

liquidity

Value: 51.31%

Peer Median: 76.64%

#287 of 2664 Top 10.7% in $100M-$1B

312

Net Interest Margin

profitability

Value: 4.76%

Peer Median: 3.93%

#312 of 2664 Top 11.7% in $100M-$1B

332

Return on Assets

profitability

Value: 2.00%

Peer Median: 1.27%

#332 of 2664 Top 12.4% in $100M-$1B

627

Efficiency Ratio

profitability

Value: 53.82%

Peer Median: 65.29%

#627 of 2664 Top 23.5% in $100M-$1B

Top Weaknesses (2 metrics)

2424

Tier 1 Capital Ratio

capital

Value: 9.92%

Peer Median: 15.83%

#2424 of 2664 Bottom 9.0% in $100M-$1B

2197

Delinquency Rate

credit_quality

Value: 1.58%

Peer Median: 0.89%

#2197 of 2654 Bottom 17.3% in $100M-$1B