CENTINEL BANK OF TAOS

TAOS, NM | Small | Est. March 1, 1969, midnight | FDIC #19904 | RSSD #800853 | FDIC
Latest Report: 2025-12-31

CENTINEL BANK OF TAOS is asn small FDIC-insured commercial bank headquartered in TAOS, NM, established in March 1, 1969, midnight. As of 2025-12-31, the bank reported total assets of $413M and total deposits of $376M. Profitability stands at -0.12% ROA and -1.61% ROE, with a net interest margin of 3.66%. The bank's CET1 capital ratio is 23.94%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #19904.

Assets

$413M

Deposits

$376M

Loans

$154M

Equity

$33M

Profitability

Return on Assets (ROA) -0.12%
Return on Equity (ROE) -1.61%
Net Interest Margin (NIM) 3.66%
Yield on Assets 4.74%
Cost of Funds 1.09%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 23.94%
Tier 1 Capital 23.94%
Total Capital Ratio 25.01%
Leverage Ratio 8.97%
Loan-to-Deposit 41.02%

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