Centinel Bank of Taos: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense rose 2.8% in Q2 2026 to $1.0M, the biggest move on this page. Within New Mexico, Centinel Bank of Taos is 26th of 29 on net interest margin, 3.70% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Centinel Bank of Taos sits 0.25 points lower, at 3.70% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.69% |
| Yield on loans | 6.96% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.07% |
| Cost of interest-bearing deposits | 1.67% |
| Cost of interest-bearing liabilities | 1.67% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.70% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.96% | 0.88% | 3.15% | 5.89% | 2.48% |
| Q4 2023 | 4.28% | 1.09% | 3.28% | 6.57% | 2.49% |
| Q1 2024 | 4.24% | 1.18% | 3.14% | 6.37% | 2.46% |
| Q2 2024 | 4.35% | 1.23% | 3.21% | 6.67% | 2.47% |
| Q3 2024 | 4.38% | 1.24% | 3.24% | 6.70% | 2.45% |
| Q4 2024 | 4.26% | 1.20% | 3.14% | 6.67% | 2.41% |
| Q1 2025 | 4.18% | 1.10% | 3.16% | 6.70% | 2.33% |
| Q2 2025 | 4.26% | 1.13% | 3.21% | 6.74% | 2.38% |
| Q3 2025 | 4.45% | 1.11% | 3.42% | 7.12% | 2.44% |
| Q4 2025 | 4.43% | 1.08% | 3.43% | 7.05% | 2.52% |
| Q1 2026 | 4.62% | 1.05% | 3.64% | 7.06% | 2.83% |
| Q2 2026 | 4.69% | 1.07% | 3.70% | 6.96% | 3.05% |
Centinel Bank of Taos yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Centinel Bank of Taos, freeSource: Call Report Schedules RI and RC-K, 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)