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James Polk Stone Community Bank

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James Polk Stone Community Bank Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, James Polk Stone Community Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 14, 2026

You can compare James Polk Stone Community Bank rates to other rates in our database, including 12-month CD rates currently at 0.75%, 6-month CD rates at 4.00% and 3-month CD rates at 1.20%. Savings rates are at 0.03% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.45%. All these rates can be compared to James Polk Stone Community Bank rates. MonitorBankRates evaluates the financial stability of James Polk Stone Community Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.43%. Rates were last updated on 05/14/2026.

James Polk Stone Community Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at James Polk Stone Community Bank? Share your experience about James Polk Stone Community Bank by leaving a review below, or read customer reviews before you decide to use James Polk Stone Community Bank.

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.43%

Excellent Higher than avg

The James Polk Stone Community Bank

109 E 2nd St
Portales, NM 88130

https://www.jpstone.com

Current Rate Availability

We do not have James Polk Stone Community Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for James Polk Stone Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather James Polk Stone Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with James Polk Stone Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name James Polk Stone Community Bank

Bank Holding Company JAMES POLK STONE CMTY BANCSHARES

Address 109 E 2nd St, Portales, NM 88130 · Roosevelt

Website https://www.jpstone.com/

FDIC Certificate # 2244

Established 07/30/1906

FDIC Insurance Date 01/01/1934

Domestic Offices 8

Total Branches 8

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.43%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3170%

Return on Equity (ROE) 30.2500%

Non-Performing Loans (NPL) 0.21%

Total Assets $442,995,000

Total Deposits $376,804,000

Equity Capital $34,483,000

Net Income $8,034,000

Headquarters Portales

Total Offices 8

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

James Polk Stone Community Bank earned the Verified Healthy badge

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Frequently Asked Questions About James Polk Stone Community Bank

How many branches does James Polk Stone Community Bank operate?

James Polk Stone Community Bank currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, James Polk Stone Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, James Polk Stone Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does James Polk Stone Community Bank offer online and mobile banking?

Most modern institutions like James Polk Stone Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.jpstone.com/.