Centinel Bank of Taos: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Centinel Bank of Taos of Taos, NM against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.11% | 1.35% | +0.76% | 88th top |
| ROAE | 26.43% | 12.05% | +14.38% | 96th top |
| Net Interest Margin | 3.70% | 3.90% | -0.20% | 37th below |
| Efficiency Ratio | 47.12% | 63.15% | -16.03% | 86th top |
| PPNR / Avg Assets | 2.11% | 1.64% | +0.47% | 77th top |
| Yield on Earning Assets | 4.69% | 5.65% | -0.96% | 13th bottom |
| Cost of Funds | 1.07% | 1.85% | -0.78% | 89th top |
| Net Interest Spread | 3.02% | 3.35% | -0.33% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 24th bottom |
| Texas Ratio | 0.01% | 7.15% | -7.14% | 90th top |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.69% | 20.83% | +1.86% | 84th top |
| Tier 1 Ratio | 22.69% | 20.86% | +1.83% | 84th top |
| Total Capital Ratio | 23.67% | 21.93% | +1.74% | 84th top |
| Leverage Ratio | 9.22% | 12.46% | -3.24% | 16th bottom |
| Equity / Assets | 7.80% | 11.67% | -3.87% | 12th bottom |
| TCE / Tangible Assets | 7.80% | 11.40% | -3.60% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 42.91% | 78.66% | -35.75% | 95th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.90% | 87.09% | +0.81% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.84% | 6.48% | -5.64% | 24th bottom |
| Loan Growth (Y/Y) | 11.14% | 7.64% | +3.50% | 77th top |
| Deposit Growth (Y/Y) | -0.08% | 6.03% | -6.11% | 22nd bottom |
See Centinel Bank of Taos's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Centinel Bank of Taos, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Centinel Bank of Taos profile, how to read a UBPR, or how this data updates.