Bank · FDIC insured
James Polk Stone Community Bank
A $443.8M bank headquartered in Portales, NM, with 8 branches in New Mexico. Best rates: CDs 2.77% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs632.77%for 3–8 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About James Polk Stone Community Bank
The James Polk Stone Community Bank has been a family-owned institution since 1906.
Originally known as Portales National, the family bank grew under long-term leadership into a multi-branch community institution.
- Headquarters
- 109 E 2nd St, Portales, NM 88130
- FDIC certificate
- 2244 ↗
Branches
8 branches in New Mexico
Loading map…
New Mexico
8 branches
Clovis area · 3
- The James Polk Stone Community BankMain office109 E 2nd St, Portales, NM 88130Directions
- Clovis901 Colonial Pkwy, Clovis, NM 88101Directions
- Portales South520 W 18th St, Portales, NM 88130Directions
Hobbs area · 2
- Eunice Branch709 Main St, Eunice, NM 88231Directions
- Hobbs1101 W Joe Harvey Blvd, Hobbs, NM 88240Directions
Roswell area · 2
- Hagerman7681 Wichita Rd, Hagerman, NM 88232Directions
- Roswell North1901 N Main St, Roswell, NM 88201Directions
Carlsbad area · 1
- Carlsbad Branch502 N Canal St, Carlsbad, NM 88220Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.98% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.41% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.08% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $55 | $81 | — |
- CapitalLeverage ratio9.98%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.41%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.08%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$55Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of James Polk Stone Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.