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512 Paso Del Pueblo Sur
Taos, NM 87571

Centinel Bank of Taos is headquartered in Taos and is the 21st largest bank in the state of New Mexico. It is also the 3,134th largest bank in the nation. It was established in 1969 and as of March of 2014, it had grown to 47 employees at 2 locations. Centinel Bank of Taos has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Centinel Bank of Taos had $1.15 million in non-current loans and owned real-estate with $18.46 million in equity and loan loss allowances on hand to cover it. This gives Centinel Bank of Taos a Texas Ratio of 6.25% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Centinel Bank of Taos experienced no significant changes from 5.99% as of March 31, 2013 to 6.25% as of March 31, 2014, resulting in a negative change of 4.39%. This indicates that the balance sheet and financial strength for Centinel Bank of Taos has had no significant changes in recent periods.

Deposit Growth


In the past year, Centinel Bank of Taos has decreased its total deposits by -$1.6 million, resulting in -0.91% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Centinel Bank of Taos has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Centinel Bank of Taos has $193.07 million in assets with $18.46 million in equity, resulting in a capitalization level of 9.56%, which is above average.

Institution Statistics

FDIC Certificate #19904
Year Established1969
Primary RegulatorFDIC
Assets and Liabilities
Assets$193.07 million
Loans$78.05 million
Deposits$173.97 million
Equity Capital$16.91 million
Loan Loss Allowance$1.55 million
Unbacked Noncurrent Loans$82,000
Real Estate Owned$1.07 million
Historic Data - March 2013
Assets$195.08 million
Equity Capital$17.49 million
Loan Loss Allowance$1.45 million
Unbacked Noncurrent Loans$82,000
Real Estate Owned$1.13 million
Profit Margin - Quarterly
Net Interest Margin3.34%
Return on Assets1.42%
Return on Equity16.55%
Interest Income$1.55 million

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Centinel Bank of Taos Savings Account Rates

0.05%--Minor Savings
0.05%--Simple Savings
0.05%--Health Savings

Centinel Bank of Taos Money Market Rates

0.15%$250k-Personal MMDA
0.15%$250k-Business MMDA

Centinel Bank of Taos Checking Account Rates

0.05%--Personal NOW Checking
0.05%--Enterprise NOW Checking

Centinel Bank of Taos CD Rates

0.70%$1k-5 Year CD
0.50%$1k-4 Year CD
0.35%$1k-3 Year CD
0.30%$1k-2 Year CD
0.25%$1k-1 Year CD
0.05%$1k-91 Day CD
0.05%$1k-182 Day CD

Centinel Bank of Taos IRA Rates

1.25%$1k-5 Year IRA CD
0.65%$1k-30 Month IRA CD
0.50%$1k-18 Month IRA CD

Centinel Bank of Taos Locations
Centinel Bank Of Taos512 Paso Del Pueblo SurTaos, NM 87571
Northside Branch707 Passeo Del Pueblo NorteTaos, NM 87571