The James Polk Stone Community Bank
Portales, NM
IDRSSD: 785857
Total Assets
$443.00M
Latest filing
Total Deposits
$376.80M
Latest filing
Net Interest Margin
4.83%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The James Polk Stone Community Bank
109 E 2nd St
Portales, NM 88130
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/30/1906FDIC Certificate 1493
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The James Polk Stone Community Bank (Main) | 109 E 2nd St | Portales, NM |
| JAMES POLK STONE COMMUNITY BANK- PORTALES SOUTH | 520 W 18th St | Portales, NM |
| JAMES POLK STONE COMMUNITY BANK-CLOVIS | 901 Colonial Pkwy | Clovis, NM |
| JAMES POLK STONE COMMUNITY BANK-ROSWELL NORTH | 1901 N Main St | Roswell, NM |
| JAMES POLK STONE COMMUNITY BANK - HAGERMAN | 7681 Wichita Rd | Hagerman, NM |
| JAMES POLK STONE COMMUNITY BANK - HOBBS | 1101 W Joe Harvey Blvd | Hobbs, NM |
| EUNICE BRANCH | 709 Main St | Eunice, NM |
| CARLSBAD BRANCH | 502 N Canal St | Carlsbad, NM |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/30/1906 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 88130 |
| State and County Number | 35041 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Portales, NM |
Operational Info
| Number of Employees | 94 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.jpstone.com |
| Data Updated | 01/30/2026 |
| CERT | 2244 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $443.00M |
| Total Deposits | $376.80M |
| Total Liabilities | $408.51M |
| Total Equity Capital | $34.48M |
| Net Income | $2.08M |
| Net Loans and Leases | $179.47M |
| Assets Per Employee ($Millions) | $4.98M |
| Bank Premises and Fixed Assets | $9.81M |
| Cash and Balances due from Depository Institutions | $94.04M |
| Deposits Held in Domestic Offices | $376.80M |
Key Performance Ratios
| Return on Assets (ROA) | 1.92% |
| Return on Equity (ROE) | 25.38% |
| Net Interest Margin | 4.83% |
| Efficiency Ratio | 62.95% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.784% |
| Earning Assets to total Assets | 92.7% |
Income and Expense
| Total Interest Income | $6.02M |
| Total Noninterest Income | $1.17M |
| Total Interest Expense | $1.15M |
| Total Noninterest Expense | $3.80M |
| Net Interest Income | $4.87M |
| Pre-tax Net Operating Income | $2.08M |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $57.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $30.62M |
| All Other Liabilities | $1.09M |
| Total Liabilities and Capital | $443.00M |
Securities
| Securities | $150.01M |
| Available-for-sale debt securities | $141.85M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $8.16M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The James Polk Stone Community Bank?
$443.00M as of the latest filing.
How much are The James Polk Stone Community Bank's total deposits?
$376.80M in total deposits.
Where is The James Polk Stone Community Bank located?
Portales, NM.
What is the Net Interest Margin?
4.83%.
How many domestic offices does it operate?
9.
When was it established?
07/30/1906.
What is the Return on Assets (ROA)?
1.92%.
How much are total loans and leases?
$179.47M (latest filing).
What is the total interest income (latest filing)?
$6.02M.