James Polk Stone Cmty Bank (FDIC #2244): Bank Stress & Real-Estate Credit Exposure
James Polk Stone Cmty Bank (FDIC Cert #2244): bank stress 56/100, moderate, STABLE over 7 days; parent JAMES POLK STONE CMTY BANCSHARES.
James Polk Stone Cmty Bank (#2244) lends in 5 counties across 1 state; James Polk Stone Cmty Bank (#2244) reaches 41 ZIP codes: New Mexico 5 counties, 41 ZIPs.
James Polk Stone Cmty Bank (#2244) largest markets: Roosevelt County, NM (24 branches, 12 ZIPs) (#2244), Lea County, NM (22 branches, 11 ZIPs) (#2244), Chaves County, NM (18 branches, 9 ZIPs) (#2244), Eddy County, NM (9 branches, 9 ZIPs) (#2244), Curry County, NM (7 branches, 7 ZIPs) (#2244).
James Polk Stone Cmty Bank (#2244) reports $443.8 million in total assets; James Polk Stone Cmty Bank (#2244) equity $36.0 million (8.1% of James Polk Stone Cmty Bank (#2244) assets); James Polk Stone Cmty Bank (#2244) domestic deposits $379.3 million; James Polk Stone Cmty Bank (#2244) net income $4.6 million; James Polk Stone Cmty Bank (#2244) return on assets 2.08%; James Polk Stone Cmty Bank (#2244) return on equity 26.35%; James Polk Stone Cmty Bank (#2244) net interest income $10.1 million; James Polk Stone Cmty Bank (#2244) call report June 30, 2026.
James Polk Stone Cmty Bank (#2244) noncurrent real-estate loans: none reported; James Polk Stone Cmty Bank (#2244) net charge-offs on real estate 1.19%; James Polk Stone Cmty Bank (#2244) residential charge-offs 2.09%.
James Polk Stone Cmty Bank (#2244) net interest margin 4.89% against an eight-quarter James Polk Stone Cmty Bank (#2244) average of 4.52% (James Polk Stone Cmty Bank (#2244) compression -0.37 points); James Polk Stone Cmty Bank (#2244) non-residential real estate 209.0% of equity; James Polk Stone Cmty Bank (#2244) rate-exposure score 40/100, James Polk Stone Cmty Bank (#2244) fixed-rate trap 40/100; James Polk Stone Cmty Bank (#2244) risk type credit driven; James Polk Stone Cmty Bank (#2244) rate regime rates elevated, James Polk Stone Cmty Bank (#2244) snapshot October 20, 2026.
James Polk Stone Cmty Bank (#2244) stress score moved from 57 on June 22, 2026 to 55.6 on October 20, 2026; James Polk Stone Cmty Bank (#2244) ranged 55.6 to 57 over 117 snapshots.
James Polk Stone Cmty Bank (#2244) alerts: 5 counties; top James Polk Stone Cmty Bank (#2244) alert scores: Carlsbad County, NM 20 (low); Clovis County, NM 20 (low); Hobbs County, NM 20 (low); Portales County, NM 20 (low); Roswell County, NM 20 (low).