Centinel Bank of Taos
Taos, NM
IDRSSD: 800853
Total Assets
$430.26M
Latest filing
Total Deposits
$395.11M
Latest filing
Net Interest Margin
3.46%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Centinel Bank of Taos
512 Paseo Del Pueblo Sur
Taos, NM 87571
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/01/1969FDIC Certificate 13679
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Centinel Bank of Taos (Main) | 512 Paseo Del Pueblo Sur | Taos, NM |
| NORTHSIDE BRANCH | 707 Paseo Del Pueblo Norte | Taos, NM |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/01/1969 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 87571 |
| State and County Number | 35055 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Taos, NM |
Operational Info
| Number of Employees | 58 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/01/1969 |
| Primary Insurance Agency | DIF |
| Website | www.centinelbank.com |
| Data Updated | 11/14/2025 |
| CERT | 19904 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $430.26M |
| Total Deposits | $395.11M |
| Total Liabilities | $399.40M |
| Total Equity Capital | $30.85M |
| Net Income | $2.09M |
| Net Loans and Leases | $150.33M |
| Assets Per Employee ($Millions) | $7.82M |
| Bank Premises and Fixed Assets | $1.63M |
| Cash and Balances due from Depository Institutions | $82.77M |
| Deposits Held in Domestic Offices | $395.11M |
Key Performance Ratios
| Return on Assets (ROA) | 1.97% |
| Return on Equity (ROE) | 27.88% |
| Net Interest Margin | 3.46% |
| Efficiency Ratio | 47.87% |
| Tier 1 Risk-Based Capital Ratio | 25.157% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.171% |
| Earning Assets to total Assets | 96.97% |
Income and Expense
| Total Interest Income | $4.65M |
| Total Noninterest Income | $444.00k |
| Total Interest Expense | $1.08M |
| Total Noninterest Expense | $1.92M |
| Net Interest Income | $3.57M |
| Pre-tax Net Operating Income | $2.09M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.29M |
| Total Liabilities and Capital | $430.26M |
Securities
| Securities | $185.80M |
| Available-for-sale debt securities | $143.63M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $42.18M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Centinel Bank of Taos?
$430.26M as of the latest filing.
How much are Centinel Bank of Taos's total deposits?
$395.11M in total deposits.
Where is Centinel Bank of Taos located?
Taos, NM.
What is the Net Interest Margin?
3.46%.
How many domestic offices does it operate?
2.
When was it established?
03/01/1969.
What is the Return on Assets (ROA)?
1.97%.
How much are total loans and leases?
$150.33M (latest filing).
What is the total interest income (latest filing)?
$4.65M.