The James Polk Stone Community Bank
109 E 2nd St, Portales, NM 88130
Financial Overview
Financial Health Analysis
The James Polk Stone Community Bank is a currently active all other under 1 billion banking institution headquartered in Portales, New Mexico. Established in 07/30/1906, this institution operates under regulatory supervision and is fully insured by the FDIC.
As a financial institution, The James Polk Stone Community Bank manages $443.2M in total assets and holds $378.0M in customer deposits. When evaluating the stability of The James Polk Stone Community Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 7.82%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.
In terms of operational efficiency, the bank's Return on Assets (ROA) is 2.00%, while its Return on Equity (ROE) sits at 25.69%. These robust metrics contribute to an overall health score of 9.1 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$47.2M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.