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The James Polk Stone Community Bank
Portales, NM · FDIC Certificate #2244 · Chartered 07/3
Total assets
$443.79M
Total deposits
$379.33M
Total equity
$35.95M
Net loans
$205.04M
Branches (offices)
8
Net income (YTD)
$4.62M
Rank: #1,934 of 4,213 U.S. banks by assets · #14 of 29 in New Mexico. Assets changed 1.7% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.08% |
| Return on equity | 26.35% |
| Net interest margin (YTD) | 4.89% |
| Equity to assets | 8.10% |
| Tier 1 leverage ratio | 9.98% |
| Uninsured deposits (share of deposits) | 51.9% |
| Noncurrent loans (share of loans) | 1.41% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 54.1% |
| Real estate loans (share of loans) | 86.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $177.64M | 86.6% | |
| Commercial & industrial | $21.55M | 10.5% | |
| Consumer / individual | $10.34M | 5.0% | |
| Construction & development | $17.33M | 8.5% | |
| Agricultural | $1.23M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $323.25M | $289.74M | $2.22M | $14.12M |
| Jun 2023 | $335.79M | $297.62M | $2.18M | $16.09M |
| Jun 2024 | $381.19M | $330.85M | $2.75M | $20.52M |
| Jun 2025 | $436.43M | $377.83M | $3.34M | $27.26M |
| Jun 2026 | $443.79M | $379.33M | $4.62M | $35.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Mexico | $379.33M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $379.33M.
Similar-sized banks
Noblebank & Trust ($444.05M) · West Texas State Bank ($443.72M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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