Total Assets
$413M
Total balance-sheet footings
FDIC Cert #19904 · Taos, New Mexico · Est. 1969
Centinel Bank of Taos - FDIC Bank Health Profile
A community-scale look at Centinel Bank of Taos's own numbers, pulled straight from its quarterly FDIC Call Report.
- $413M
- Total assets
- A
- Health grade · Excellent
- 1.30%
- Return on assets
- 23.9%
- Tier 1 capital
Data updated July 2026
The verdict
Centinel Bank of Taos earns a PlainBankData health grade of A (92/100), with well-capitalized at 23.94% Tier 1, profitable at 1.30% ROA, efficient (52% cost ratio).
- #2,040
- largest of 4,313 FDIC banks by assets
- 53rd
- percentile by asset size, nationally
- 23.94%
- Tier 1 ratio - above the 10% well-capitalized line
- 64th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Centinel Bank of Taos's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Centinel Bank of Taos's composite health score
Tier 1 Capital Ratio (23.94%) 40/40
Return on Assets (ROA) (1.30%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (51.88%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$376M
Customer-funded liabilities
Net Loans
$153M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Centinel Bank of Taos ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Centinel Bank of Taos's score of 92/100 falls in the highlighted band.
Centinel Bank of Taos's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Centinel Bank of Taos's $413M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
23.94% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
23.94%
Texas Ratio
0.00%
Equity Capital
$33M
Profitability metrics
Return on Assets (ROA)
64th percentile nationally
1.30%
Return on Equity (ROE)
18.79%
Efficiency Ratio
51.88%
What the numbers say about Centinel Bank of Taos
Centinel Bank of Taos is an FDIC-insured institution (Certificate #19904) headquartered in Taos, New Mexico, established in 1969. It holds $413M in total assets - 2,040th of 4,313 FDIC-insured banks, $376M in customer deposits, and $153M in net loans. Looking at capital strength, Tier 1 stands at 23.94%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (92/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within New Mexico, Centinel Bank of Taos ranks 16th of 29 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$18M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Centinel Bank of Taos reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Mexico by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Centinel Bank of Taos (FDIC Cert #19904) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Mexico
All New Mexico banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First American BankArtesia | $1.8B | A | 2.74% |
| InBankRaton | $1.4B | B | 0.55% |
| Century BankSanta Fe | $1.3B | B | 0.62% |
| Citizens Bank of Las CrucesLas Cruces | $1.1B | A | 2.25% |
| Pioneer BankRoswell | $1.1B | A | 2.19% |
| CNB BankCarlsbad | $989M | B | 2.16% |
| Western Commerce BankCarlsbad | $867M | A | 3.17% |
| The Citizens BankFarmington | $774M | A | 2.07% |
Frequently asked questions
What is Centinel Bank of Taos's health grade?▼
Centinel Bank of Taos receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Centinel Bank of Taos?▼
Centinel Bank of Taos holds $413M in total assets and $376M in deposits, ranking 2,040th of 4,313 FDIC-insured banks by asset size. It is headquartered in Taos, New Mexico.
Is my money safe at Centinel Bank of Taos?▼
Yes, deposits at Centinel Bank of Taos (Certificate #19904) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Centinel Bank of Taos's Tier 1 Capital Ratio?▼
Centinel Bank of Taos has a Tier 1 Capital Ratio of 23.94%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Centinel Bank of Taos?▼
Centinel Bank of Taos has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Centinel Bank of Taos?▼
Centinel Bank of Taos has an Efficiency Ratio of 51.88%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Centinel Bank of Taos's profile as a depositor or analyst.
- Centinel Bank of Taos's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Centinel Bank of Taos against other New Mexico banks before moving funds. New Mexico banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.