Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
575-356-6601
109 East Second Street
Portales, NM 88130

The James Polk Stone Community Bank is headquartered in Portales and is the 18st largest bank in the state of New Mexico. It is also the 2,853rd largest bank in the nation. It was established in 1906 and as of March of 2014, it had grown to 72 employees at 8 locations. The James Polk Stone Community Bank's savings rates are 54% higher than the national average, and it has a B health rating.

No reviews have been left for this bank yet. Be the first to review.



Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The James Polk Stone Community Bank had $3.99 million in non-current loans and owned real-estate with $20.81 million in equity and loan loss allowances on hand to cover it. This gives The James Polk Stone Community Bank a Texas Ratio of 19.16% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for The James Polk Stone Community Bank increased slightly from 11.76% as of March 31, 2013 to 19.16% as of March 31, 2014, resulting in a negative change of 62.99%. This indicates that the balance sheet and financial strength for The James Polk Stone Community Bank has declined slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, The James Polk Stone Community Bank has increased its total deposits by $28.45 million, resulting in 17.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The James Polk Stone Community Bank has shown is excellent.

Capitalization

GRADE:
B

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The James Polk Stone Community Bank has $218.23 million in assets with $20.81 million in equity, resulting in a capitalization level of 9.54%, which is above average.

Institution Statistics

Overall
FDIC Certificate #2244
Year Established1906
Employees72
Primary RegulatorFDIC
Assets and Liabilities
Assets$218.23 million
Loans$99.06 million
Deposits$193.10 million
Equity Capital$18.84 million
Loan Loss Allowance$1.98 million
Unbacked Noncurrent Loans$2.87 million
Real Estate Owned$1.12 million
Historic Data - March 2013
Assets$188.93 million
Equity Capital$17.46 million
Loan Loss Allowance$2.03 million
Unbacked Noncurrent Loans$2.87 million
Real Estate Owned$992,000
Profit Margin - Quarterly
Net Interest Margin4.35%
Return on Assets1.16%
Return on Equity13.1%
Interest Income$2.05 million
Rates

Always verify rates and promotions with the bank or credit union. We are not The James Polk Stone Community Bank, we are a rate comparison website and can not provide official rates or promotions.

The James Polk Stone Community Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.80%$1k-Variable Rate IRA
0.80%$1k-Variable Rate Roth IRA
0.80%$1k-Variable Rate Education IRA
0.05%$100-Savings Account
0.05%$100-Business Savings Account

The James Polk Stone Community Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.01%$1k-Money Market Deposit Account
0.01%$1k-Business Money Market Deposit Account

The James Polk Stone Community Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.01%$500-NOW Account
0.01%$500-Business NOW Account

The James Polk Stone Community Bank CD Rates

DetailsAPYMINMAXPRODUCT
0.80%$1k-60 Month CD
0.60%$1k-48 Month CD
0.45%$1k-36 Month CD
0.40%$1k-30 Month CD
0.35%$1k-24 Month CD
0.25%$1k-18 Month CD
0.20%$1k-12 Month CD
0.05%$1k-182 Day CD
0.04%$1k-91 Day CD
Locations


The James Polk Stone Community Bank Locations
The James Polk Stone Community Bank109 East Second StreetPortales, NM 88130
James Polk Stone Community Bank - Hobbs1101 Joe Harvey Blvd.Hobbs, NM 88240
James Polk Stone Community Bank-Roswell South1801 South MainRoswell, NM 88201
James Polk Stone Community Bank-Roswell North1901 North MainRoswell, NM 88203
James Polk Stone Community Bank Portales South520 West 18th StreetPortales, NM 88130
Eunice Branch709 Main StreetEunice, NM 88231
James Polk Stone Community Bank - Hagerman7681 Wichita RoadHagerman, NM 88232
James Polk Stone Community Bank-Clovis901 Colonial PkwyClovis, NM 88101