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Centinel Bank Of Taos
Taos, NM · FDIC Certificate #19904 · Chartered 03/0
Total assets
$424.81M
Total deposits
$387.56M
Total equity
$33.12M
Net loans
$164.66M
Branches (offices)
2
Net income (YTD)
$4.41M
Rank: #1,979 of 4,213 U.S. banks by assets · #16 of 29 in New Mexico. Assets changed 0.8% and deposits -0.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.10% |
| Return on equity | 26.32% |
| Net interest margin (YTD) | 3.68% |
| Equity to assets | 7.80% |
| Tier 1 leverage ratio | 9.22% |
| Uninsured deposits (share of deposits) | 39.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 42.5% |
| Real estate loans (share of loans) | 86.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $142.67M | 86.6% | |
| Commercial & industrial | $8.53M | 5.2% | |
| Consumer / individual | $3.48M | 2.1% | |
| Construction & development | $23.36M | 14.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $386.07M | $362.04M | $3.38M | $21.16M |
| Jun 2023 | $395.54M | $374.19M | $3.82M | $18.18M |
| Jun 2024 | $405.33M | $379.38M | $3.75M | $21.97M |
| Jun 2025 | $421.28M | $387.89M | $3.53M | $29.21M |
| Jun 2026 | $424.81M | $387.56M | $4.41M | $33.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Mexico | $387.56M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $387.56M.
Similar-sized banks
Marion Center Bank ($425.18M) · Sugar River Bank ($424.31M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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