🏦Bank Scorer

THE JAMES POLK STONE COMMUNITY BANK

PORTALES, NM · Supervised by FDIC

Est. 1906FDIC #2,244RSSD: FDIC-2244
Part ofJAMES POLK STONE CMTY BANCSHARES→ View all charters
Satisfactory Same

Current rating · Exam: November 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.00%

Institution Profile

FDIC BankFind

Address

109 E 2nd St, PORTALES, NM

County

Roosevelt County

Established

July 30, 1906

Total Assets

$443M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$443M

Total Deposits

$378M

Net Loans

$194M

Net Income

$2M

ROA

2.00%

ROE

25.69%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$378M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2014

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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