Centinel Bank of Taos: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.14 percentage points higher than in Q1 2026, at 106.12%. Within New Mexico, Centinel Bank of Taos is 24th of 29 on loan-to-deposit ratio, 42.91% as of Q2 2026, below the middle of the field. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $166.3M |
| Net loans and leases | $164.7M |
| Loans held for sale | $0 |
| Loans to total assets | 39.15% |
| Loan-to-deposit ratio | 42.91% |
| Net loans to equity capital | 4.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.43% |
| Multifamily (5+ residential) | 0.97% |
| Commercial and industrial | 5.13% |
| Consumer | 2.10% |
| Credit cards | 0.50% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 6.97% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 106.12% |
| Construction concentration (Tier 1 capital + allowance) | 57.37% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.96% |
| Interest income on loans | $2.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $141.8M | $385.1M | 17.64% | 7.88% | 2.50% |
| Q4 2023 | $142.5M | $388.9M | 18.30% | 7.57% | 2.53% |
| Q1 2024 | $141.2M | $391.4M | 18.81% | 6.98% | 2.64% |
| Q2 2024 | $141.6M | $379.4M | 18.32% | 6.83% | 2.40% |
| Q3 2024 | $139.6M | $383.4M | 19.14% | 6.44% | 2.62% |
| Q4 2024 | $138.9M | $400.9M | 19.33% | 6.52% | 2.67% |
| Q1 2025 | $147.7M | $384.7M | 21.51% | 5.89% | 2.50% |
| Q2 2025 | $149.6M | $387.9M | 21.08% | 5.94% | 2.44% |
| Q3 2025 | $151.9M | $395.1M | 20.39% | 5.52% | 2.35% |
| Q4 2025 | $154.4M | $376.5M | 20.17% | 5.35% | 2.26% |
| Q1 2026 | $156.8M | $382.9M | 19.59% | 5.56% | 2.22% |
| Q2 2026 | $166.3M | $387.6M | 18.43% | 5.13% | 2.10% |
Centinel Bank of Taos loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Centinel Bank of Taos, freeSource: Call Report Schedule RC-C, 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)