BlastPoint's Banking Scorecard
The James Polk Stone Community Bank
Micro
Specialty: Other
NM
FDIC cert 2244
Designations: ✓ Community bank
Portales, NM
2498
banks in Micro tier nationally
18 in NM
View Micro leaderboard (NM) →
The James Polk Stone Community Bank shows strong momentum with 2 strengths and 10.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 23.92% above tier
- + Non-Interest Income / Assets 0.53% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$443.0M
+10.2% YoY
+4.5% QoQ
|
+$225.5M |
$217.5M
+2.3% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$179.5M
+0.1% YoY
+1.2% QoQ
|
+$40.3M |
$139.2M
+2.8% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$376.8M
+8.1% YoY
+4.1% QoQ
|
+$193.1M |
$183.7M
+1.8% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
1.90%
+33.4% YoY
+0.1% QoQ
|
+0.81% |
1.08%
+14.7% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.64%
+12.5% YoY
+1.1% QoQ
|
+0.79% |
3.85%
+6.6% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
59.83%
-9.8% YoY
+1.9% QoQ
|
-7.89% |
67.73%
-4.8% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
1.68%
+66.7% YoY
+1.4% QoQ
|
+1.04% |
0.64%
+24.4% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
47.63%
-7.4% YoY
-2.8% QoQ
|
-26.90% |
74.53%
+0.5% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
46.31%
-3.4% YoY
+0.6% QoQ
|
+23.92% |
22.39%
-1.3% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.70%
+54.2% YoY
-1.9% QoQ
|
+0.24% |
0.45%
+25.1% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.09%
-8.4% YoY
+26.1% QoQ
|
+0.53% |
0.56%
+0.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
46.31%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.09%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.31% · Tier avg: 22.39%
94
94th pctile
Total Deposits
Current: $376.8M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $443.0M · Tier avg: $217.5M
93
93th pctile
Non-Interest Income / Assets
Current: 1.09% · Tier avg: 0.56%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.63% · Tier avg: 74.53%
88
88th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.08%
83
83th pctile
Net Interest Margin
Current: 4.64% · Tier avg: 3.85%
69
69th pctile
Total Loans
Current: $179.5M · Tier avg: $139.2M
68
68th pctile
Efficiency Ratio
Current: 59.83% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
16
16th pctile
Delinquency Rate
Current: 1.68% · Tier avg: 0.64%
Top Weaknesses
16
16th pctile
Delinquency Rate
Current: 1.68% · Tier avg: 0.64%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Efficiency Ratio
Current: 59.83% · Tier avg: 67.73%
69
69th pctile
Total Loans
Current: $179.5M · Tier avg: $139.2M
83
83th pctile
Net Interest Margin
Current: 4.64% · Tier avg: 3.85%
88
88th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.08%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.63% · Tier avg: 74.53%
93
93th pctile
Non-Interest Income / Assets
Current: 1.09% · Tier avg: 0.56%
94
94th pctile
Total Assets
Current: $443.0M · Tier avg: $217.5M
94
94th pctile
Total Deposits
Current: $376.8M · Tier avg: $183.7M
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.31% · Tier avg: 22.39%