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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 2244 · NM B · 71/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (71/100)
  • MID-PACK #2924/4307
  • PHOTO-FINISH The Peoples Bank of… · GA
  • TIER1-ADEQ 9.8% Tier 1
  • TEXAS-CLEAN 7.7% Texas
  • ROA-STRONG 1.90% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Mexico: The Peoples Bank of Georgia, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The James Polk Stone Community Bank

Lowest and highest poles plus nearest scored peers outside New Mexico, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Spirit Bank · AL ·…71/100The Citizens Bank of… · AL ·…71/100The First National B… · MN ·…71/100The James Polk Stone… · NM ·…71/100The Peoples Bank of… · GA · …71/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The James Polk Stone Community Bank · July 2026

What The James Polk Stone Community Bank's Call Report plate shows

The James Polk Stone Community Bank (FDIC Cert #2244) carries a PlainBankData health grade of B at 71/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,924 of 4,307. Tier 1 capital prints at 9.81%, missing the 10% well-capitalized line. The Texas Ratio is 7.69%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.90%. Balance-sheet scale is $443M, 1,944th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Peoples Bank of Georgia (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The James Polk Stone Community Bank

3 FAILURE resolutions in New Mexico since 2000 (3 since 2008)

The James Polk Stone Community Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The James Polk Stone Community Bank remains an active FDIC-insured reporter.

  • FIRST COMMUNITY BANK TAOS, NM 2011 → U.S. BANK, NATIONAL ASSOCIATION
  • HIGH DESERT STATE BANK ALBUQUERQUE, NM 2010 → FIRST AMERICAN BANK
  • CHARTER BANK SANTA FE, NM 2010 → CHARTER BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Mexico banks.

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.

0/100100/100National avg77/10071/100
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 Assets

$443M

Total balance-sheet footings

Total Deposits

$377M

Customer-funded liabilities

Net Loans

$179M

Outstanding loan book

Net Income

$8M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.41% 9.81% 11.21%
Basel III capital ratios - The James Polk Stone Community Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

71 32nd percentile higher than 32% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The James Polk Stone Community Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for The James Polk Stone Community Bank

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

What these ratios mean →

Earnings posture at The James Polk Stone Community Bank

Return on Assets (ROA)
88th percentile nationally
1.90%
Return on Equity (ROE)
28.31%
Efficiency Ratio
59.83%

What these mean →

Income & expense at The James Polk Stone Community Bank

$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.

FDIC Failed Bank List → View The James Polk Stone Community Bank on FDIC BankFind →

Top banks in New Mexico by total assets

Largest banks headquartered in New Mexico
  1. 1
    First American Bank $1.8B

    Artesia, NM · Grade A

  2. 2
    InBank $1.4B

    Raton, NM · Grade B

  3. 3
    Century Bank $1.3B

    Santa Fe, NM · Grade B

  4. 4
    Citizens Bank of Las Cruces $1.1B

    Las Cruces, NM · Grade A

  5. 5
    Pioneer Bank $1.1B

    Roswell, NM · Grade A

Top 5 banks in New Mexico ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($443M here), outside New Mexico so the neighborhood is not state containment.

The Lincoln National Bank of Hodgenvi… $443M · KY The City National Bank of Metropolis $443M · IL North Brookfield Savings Bank $442M · MA The First National Bank of Livingston $442M · TX

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.

The James Polk Stone Community Bank Call Report profile · FDIC Failed Bank List · New Mexico FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Mexico

All New Mexico banks →
BankAssetsGradeROA
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%