Centinel Bank of Taos: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets climbed 3.19 percentage points in Q2 2026, from 37.13% to 40.32%. It was the largest change from Q1 2026 among the key lines here. Within New Mexico, Centinel Bank of Taos is 12th of 29 on return on assets, 2.11% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Centinel Bank of Taos reported 2.11% on return on assets in Q2 2026, 0.86 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.69% |
| Tier 1 risk-based capital ratio | 22.69% |
| Total risk-based capital ratio | 23.67% |
| Tier 1 leverage ratio | 9.22% |
| Equity capital to assets | 7.80% |
| Tangible equity to tangible assets | 7.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.01% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.11% |
| Return on equity | 26.43% |
| Net interest margin | 3.70% |
| Efficiency ratio | 47.12% |
| Yield on earning assets | 4.69% |
| Cost of funds | 1.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 42.91% |
| Core deposits to total deposits | 87.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.23% |
| Securities to assets | 40.32% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.63% | 23.63% | 24.82% | 8.37% | 2.38% |
| Q4 2023 | 21.43% | 21.43% | 22.50% | 8.33% | 1.81% |
| Q1 2024 | 26.13% | 26.13% | 27.37% | 8.69% | 1.76% |
| Q2 2024 | 23.98% | 23.98% | 25.15% | 8.65% | 1.85% |
| Q3 2024 | 24.32% | 24.32% | 25.49% | 8.76% | 1.69% |
| Q4 2024 | 24.71% | 24.71% | 25.88% | 8.64% | 1.50% |
| Q1 2025 | 24.59% | 24.59% | 25.69% | 9.04% | 1.66% |
| Q2 2025 | 24.78% | 24.78% | 25.89% | 9.22% | 1.70% |
| Q3 2025 | 25.16% | 25.16% | 26.26% | 9.12% | 1.97% |
| Q4 2025 | 23.94% | 23.94% | 25.01% | 8.97% | -0.12% |
| Q1 2026 | 25.59% | 25.59% | 26.67% | 9.59% | 2.08% |
| Q2 2026 | 22.69% | 22.69% | 23.67% | 9.22% | 2.11% |
Centinel Bank of Taos vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Centinel Bank of Taos, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)