Centinel Bank of Taos
Total assets
$424.8M
▲ +0.8% YoY
Deposits
$387.6M
▼ -0.1% YoY
Loans
$164.7M
▲ +11.3% YoY
Offices
2
CENTINEL BANK SHARES INC
ROA (annualized)
2.10%
peers 1.24%
ROE (annualized)
26.32%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Centinel Bank of Taos | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.4% | -3.5 pts |
| Deposit growth (YoY) | -0.1% | +4.0% | -4.0 pts |
| Loan growth (YoY) | +11.3% | +5.6% | +5.7 pts |
| ROA | 2.10% | 1.24% | +0.9 pts |
| ROE | 26.3% | 11.9% | +14.5 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
Profile
- Established
- 1969
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CENTINEL BANK SHARES INC
- Specialization
- Other Specialized Under 1 Billion
- Address
- 512 Paseo Del Pueblo Sur, Taos, NM, 87571
- County
- Taos
- Metro area
- Taos, NM
- Offices
- 2
- FDIC cert #
- 19904
- RSSD ID
- 800853
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $424.8M | $387.6M | $164.7M | $33.1M | $4.4M | 2.10% | 3.68% | 0.00% |
| Q1 2026 | $421.7M | $382.9M | $155.2M | $34.6M | $2.2M | 2.08% | 3.67% | 0.00% |
| Q4 2025 | $413.2M | $376.5M | $152.8M | $32.7M | $5.5M | 1.30% | 3.35% | 0.00% |
| Q3 2025 | $430.2M | $395.1M | $150.3M | $30.9M | $5.6M | 1.77% | 3.29% | 0.00% |
| Q2 2025 | $421.3M | $387.9M | $148.0M | $29.2M | $3.5M | 1.67% | 3.21% | 0.03% |
| Q1 2025 | $417.7M | $384.7M | $146.0M | $28.7M | $1.8M | 1.67% | 3.22% | 0.00% |
| Q4 2024 | $429.6M | $400.9M | $137.2M | $24.7M | $7.1M | 1.70% | 3.24% | 0.02% |
| Q3 2024 | $414.3M | $383.4M | $137.8M | $26.8M | $5.5M | 1.77% | 3.26% | 0.00% |
Loan mix (Q2 2026): real estate $142.7M · commercial $8.5M · consumer $3.5M · securities $171.3M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Centinel Bank of Taos | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.10% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 26.3% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.96% | 35th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.9% | 62.9% | 12th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Centinel Bank of Taos | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Centinel Bank of Taos | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Centinel Bank of Taos | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Centinel Bank of Taos | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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