Total Assets
$443M
Total balance-sheet footings
FDIC Cert #2244 · Portales, New Mexico · Est. 1906
The James Polk Stone Community Bank - FDIC Bank Health Profile
A community-scale look at The James Polk Stone Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $443M
- Total assets
- B
- Health grade · Good
- 1.90%
- Return on assets
- 9.8%
- Tier 1 capital
Data updated July 2026
The verdict
The James Polk Stone Community Bank earns a PlainBankData health grade of B (71/100), with 9.81% Tier 1 capital, profitable at 1.90% ROA, efficient (60% cost ratio).
- #1,944
- largest of 4,313 FDIC banks by assets
- 55th
- percentile by asset size, nationally
- 9.81%
- Tier 1 ratio - below the 10% well-capitalized line
- 88th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The James Polk Stone Community Bank's 71/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The James Polk Stone Community Bank's composite health score
Tier 1 Capital Ratio (9.81%) 18/40
Return on Assets (ROA) (1.90%) 25/25
Texas Ratio (7.69%) 16/20
Efficiency Ratio (59.83%) 12/15
71 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$377M
Customer-funded liabilities
Net Loans
$179M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The James Polk Stone Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The James Polk Stone Community Bank's score of 71/100 falls in the highlighted band.
The James Polk Stone Community Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The James Polk Stone Community Bank's $443M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.81% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.81%
Texas Ratio
7.69%
Equity Capital
$34M
Profitability metrics
Return on Assets (ROA)
88th percentile nationally
1.90%
Return on Equity (ROE)
28.31%
Efficiency Ratio
59.83%
What the numbers say about The James Polk Stone Community Bank
The James Polk Stone Community Bank is an FDIC-insured institution (Certificate #2244) headquartered in Portales, New Mexico, established in 1906. It holds $443M in total assets - 1,944th of 4,313 FDIC-insured banks, $377M in customer deposits, and $179M in net loans. Its capital position: a Tier 1 ratio of 9.81%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 7.69% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (71 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The James Polk Stone Community Bank sits 15th of 29 banks headquartered in New Mexico by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$23M
Interest Income
$5M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The James Polk Stone Community Bank reports a Texas Ratio of 7.69% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.69% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Mexico by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The James Polk Stone Community Bank (FDIC Cert #2244) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Mexico
All New Mexico banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First American BankArtesia | $1.8B | A | 2.74% |
| InBankRaton | $1.4B | B | 0.55% |
| Century BankSanta Fe | $1.3B | B | 0.62% |
| Citizens Bank of Las CrucesLas Cruces | $1.1B | A | 2.25% |
| Pioneer BankRoswell | $1.1B | A | 2.19% |
| CNB BankCarlsbad | $989M | B | 2.16% |
| Western Commerce BankCarlsbad | $867M | A | 3.17% |
| The Citizens BankFarmington | $774M | A | 2.07% |
Frequently asked questions
What is The James Polk Stone Community Bank's health grade?▼
The James Polk Stone Community Bank receives a health grade of B (71/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The James Polk Stone Community Bank?▼
The James Polk Stone Community Bank holds $443M in total assets and $377M in deposits, ranking 1,944th of 4,313 FDIC-insured banks by asset size. It is headquartered in Portales, New Mexico.
Is my money safe at The James Polk Stone Community Bank?▼
Yes, deposits at The James Polk Stone Community Bank (Certificate #2244) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The James Polk Stone Community Bank's Tier 1 Capital Ratio?▼
The James Polk Stone Community Bank has a Tier 1 Capital Ratio of 9.81%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for The James Polk Stone Community Bank?▼
The James Polk Stone Community Bank has a Texas Ratio of 7.69%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The James Polk Stone Community Bank?▼
The James Polk Stone Community Bank has an Efficiency Ratio of 59.83%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The James Polk Stone Community Bank's profile as a depositor or analyst.
- The James Polk Stone Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The James Polk Stone Community Bank against other New Mexico banks before moving funds. New Mexico banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.