Centinel Bank of Taos: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 21.8% in Q2 2026, from $98.7M to $77.2M. It was the largest change from Q1 2026 among the key lines here. Centinel Bank of Taos ranks 24th of 29 New Mexico banks on loan-to-deposit ratio, in the lower half at 42.91% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Centinel Bank of Taos sits 37.93 points lower, at 42.91% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $77.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $248.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 42.91% |
| Net loans and leases to deposits | 42.49% |
| Loans and leases to core deposits | 48.81% |
| Core deposits to total deposits | 87.90% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 36.83% | 92.23% | $0 | $0 |
| Q4 2023 | 36.66% | 91.08% | $0 | $0 |
| Q1 2024 | 36.06% | 90.44% | $0 | $0 |
| Q2 2024 | 37.33% | 90.27% | $0 | $0 |
| Q3 2024 | 36.41% | 89.92% | $0 | $0 |
| Q4 2024 | 34.64% | 90.15% | $0 | $0 |
| Q1 2025 | 38.38% | 88.00% | $0 | $0 |
| Q2 2025 | 38.58% | 88.52% | $0 | $0 |
| Q3 2025 | 38.45% | 88.27% | $0 | $0 |
| Q4 2025 | 41.02% | 87.49% | $0 | $0 |
| Q1 2026 | 40.95% | 87.75% | $0 | $0 |
| Q2 2026 | 42.91% | 87.90% | $0 | $0 |
Centinel Bank of Taos liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Centinel Bank of Taos, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Centinel Bank of Taos profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19904) · FFIEC NIC profile (RSSD 800853)