Centinel Bank of Taos: how it compares with its peers
Against 14 NM banks with half to twice its assets, Centinel Bank of Taos's strongest measure in Q2 2026 is return on assets (2.10% vs. a 2.00% peer median). Its weakest relative measure is net interest margin (3.68% vs. 4.09%).
| Measure | Centinel Bank of Taos | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.10% | 2.00% | Top third Ahead of 79% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.68% | 4.09% | Bottom third Ahead of 7% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.87% | 52.63% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $8.2M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 42.49% | 54.32% | Context |
What it means for lending operations
Its efficiency ratio of 47.87% is better than the 52.63% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Bank of Clovis Clovis, NM · $438M
- The James Polk Stone Community Bank Portales, NM · $444M
- First National Bank Alamogordo, NM · $453M
- Southwest Capital Bank Albuquerque, NM · $483M
- The Citizens Bank of Clovis Clovis, NM · $493M
- Western Bank Artesia, NM · $350M
Questions about Centinel Bank of Taos
How big is Centinel Bank of Taos?
Centinel Bank of Taos, established in 1969, is headquartered in Taos, NM. It reported $425M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Centinel Bank of Taos's return on assets?
2.10% annualized in Q2 2026, against a 2.00% median for 14 NM banks with half to twice its assets, ahead of 79% of them.
What is Centinel Bank of Taos's efficiency ratio?
47.87% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 52.63%, and lower is better.
Is Centinel Bank of Taos growing its loans?
Net loans grew 11.3% over the year to Q2 2026, while deposits shrank 0.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NM banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Mexico bank ranked.