Centinel Bank of Taos
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Data as of · sourced from FFIEC call reports. How we update
Centinel Bank of Taos is an FDIC-insured commercial bank headquartered in Taos, NM, established in 1969 (FDIC certificate 19904), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $424.8M, up 0.8% from Q2 2025, the 16th largest of 29 banks headquartered in New Mexico. Its CET1 capital ratio was 22.69% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19904
- Headquarters
- Taos, NM
- Established
- 1969
- Total assets, Q2 2026
- $424.8M
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 22.69%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 107001261
- Latest call report
- Q2 2026, FFIEC 051 · Centinel Bank of Taos call report
- Holding company
- CENTINEL BANK SHARES, INC.
- Asset rank in state
- 16th of 29 in New Mexico
Centinel Bank of Taos is one of the more profitable banks of its size. The Taos, New Mexico bank had $425 million in assets at June 30, 2026. It returns 26.4% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size. Much of that comes from cost control: it spends about 47 cents to bring in each dollar of revenue.
Loans and deposits moved in opposite directions: over the year loans rose 11.1% and deposits fell 0.1%. Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 28% of Tier 1 capital, down from 39% a year earlier. Where it has less room is capital: it funds 9.22% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Centinel Bank of Taos reported a CET1 capital ratio of 22.69%, a return on assets of 2.11%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.01%. The figures come from its call report filed with the FFIEC.
Centinel Bank of Taos ranks as the 16th largest of the 29 banks based in New Mexico, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $424.8M, loans rose 6.0% and deposits rose 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 52.3% of total loans, ahead of construction and land development loans at 14.0%. The FDIC Summary of Deposits lists 2 offices for it, in Taos, NM. By the capital ratios in its Q2 2026 call report, Centinel Bank of Taos meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 512 Paseo Del Pueblo Sur, Taos, NM 87571
- County
- Taos
- Metro Area
- Taos, NM
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 1, 1969
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 56
- Domestic deposits
- $387.6M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $423.9M
- Average total loans
- $161.6M
- Average interest-bearing deposits
- $246.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 1, 1969
- FDIC Cert
- 19904
- Fed RSSD
- 800853
- Website
- www.centinelbank.com →
- Parent Holding Company
- CENTINEL BANK SHARES, INC. (RSSD 1061754)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Centinel Bank of Taos's total assets moved between a low of $405.0M (Q3 2023) and a high of $430.2M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$424.8M total assets against $421.3M; $391.7M total liabilities against $392.1M.
$164.7M net loans and leases against $148.0M; $387.6M total deposits against $387.9M.
$171.3M securities against $187.2M; $77.2M cash and balances due against $74.6M.
$4.8M total interest income against $4.4M; $1.0M total interest expense against $1.1M.
$3.8M net interest income against $3.3M.
$498K total noninterest income against $400K; $2.0M total noninterest expense against $1.9M.
No provision recorded in the last 12 quarters.
$2.2M net income against $1.8M.
2.11% return on assets against 1.70%; 3.70% net interest margin against 3.21%.
22.69% CET1 capital ratio against 24.78%; 9.22% tier 1 leverage ratio against 9.22%.
Inside the full Centinel Bank of Taos terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Centinel Bank of Taos rankings
Its closest position to the top of a national ranking is 227 of 2,134, for CET1 ratio; its furthest is 3,338 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.12% (Q4 2025) to 2.11% (Q2 2026) and its net interest margin ran from 3.14% (Q4 2024) to 3.70% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.69% | 2.11% | 0.00% | 0.01% | 3.70% |
| Q1 2026 | 25.59% | 2.08% | 0.00% | 0.01% | 3.64% |
| Q4 2025 | 23.94% | -0.12% | 0.00% | 0.00% | 3.43% |
| Q3 2025 | 25.16% | 1.97% | 0.00% | 0.00% | 3.42% |
| Q2 2025 | 24.78% | 1.70% | 0.09% | 0.43% | 3.21% |
| Q1 2025 | 24.59% | 1.66% | 0.00% | 0.00% | 3.16% |
| Q4 2024 | 24.71% | 1.50% | 0.05% | 0.27% | 3.14% |
| Q3 2024 | 24.32% | 1.69% | 0.00% | 0.01% | 3.24% |
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Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Centinel Bank of Taos (main office) | Taos , NM | 87571 | $361.2M |
| Northside Branch | Taos , NM | 87571 | $26.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 24, 1990 | Structure Change | Acquired The Red River Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 23, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in NM, rank 27 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $591K approved, $591K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Centinel Bank of Taos
What are Centinel Bank of Taos's total assets?
As of the Q2 2026 filing, Centinel Bank of Taos reported total assets of $424.8 million in its FFIEC call report.
Where is Centinel Bank of Taos headquartered?
It is headquartered in Taos, NM, United States.
When was Centinel Bank of Taos founded?
It was established in 1969, per the FDIC institution directory.
Is Centinel Bank of Taos FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19904). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Centinel Bank of Taos?
Centinel Bank of Taos's primary federal regulator is the FDIC.
What is Centinel Bank of Taos's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.69% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Centinel Bank of Taos operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Centinel Bank of Taos's Texas Ratio?
Its Texas Ratio is 0.01% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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