Side-by-side · Q2 2026 data
The James Polk Stone Community Bank vs UMB Bank, National Association
Metric by metric
| Measure | The James Polk Stone Community Bank | UMB Bank, National Association |
|---|---|---|
| TellerScore | 66 (stronger) | 65 |
| Capital cushion | 50 (stronger) | 39 |
| Loan quality | 53 | 89 (stronger) |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 59 (stronger) | 43 |
| Problem-loan coverage | 86 | 96 (stronger) |
| Peer percentile | 31st | 54th |
| Total assets | $443.8M | $71.9B |
| Deposits / shares | $379.3M | $60.2B |
| Capital ratio | 9.98% (stronger) | 8.89% |
| Problem loans | 1.41% | 0.34% (stronger) |
| Net charge-offs | 0.20% | 0.17% (stronger) |
| Return on assets | 2.08% (stronger) | 1.39% |
| Loans ÷ deposits | 54.1% (stronger) | 67.7% |
| Uninsured deposits | 51.9% (stronger) | 63.6% |
| Offices | 7 | 189 |
| CFPB complaints (3 yrs) | — | 306 |
| Complaints per $1B deposits | — | 5.1 |
| Mortgage denial rate (HMDA) | — | 30.5% |
The James Polk Stone Community Bank has the higher TellerScore (66 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The James Polk Stone Community Bank leads on 5 and UMB Bank, National Association on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Clovis, NM
- Portales, NM