BlastPoint's Banking Scorecard

Centinel Bank of Taos

$100M-$1B Specialty: Other NM FDIC cert 19904

Designations: ✓ Minority Depository Institution

Taos, NM

2 branches across NM

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 21 in NM.
Deposits -0.1% year over year ($387.6M on the books).
Delinquency rate 0.00%.
Return on assets 2.10%.
Efficiency ratio 47.87% vs a 64.48% peer average.
Loan-to-deposit ratio 42.49% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 21 in NM

View $100M-$1B leaderboard (NM) →

Centinel Bank of Taos has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 23.5% in tier
+ Non-Interest-Bearing Deposit Share 13.69% above tier average
+ Efficiency Ratio 16.61% below tier average
+ Delinquency Rate 0.92% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.30% below tier average

Get updates when Centinel Bank of Taos releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$424.8M +0.8% YoY +0.7% QoQ	+$38.2M	$386.6M +1.2% YoY	$566.9M +3.2% YoY	$6.3B +7.7% YoY	65%
Total Loans ?	$164.7M +11.3% YoY +6.1% QoQ	-$93.7M	$258.3M +1.7% YoY	$317.6M +7.5% YoY	$3.2B +9.4% YoY	39%
Total Deposits ?	$387.6M -0.1% YoY +1.2% QoQ	+$60.8M	$326.7M +0.7% YoY	$493.4M +2.0% YoY	$4.9B +7.3% YoY	68%
Return on Assets ?	2.10% +25.7% YoY +1.0% QoQ	+0.78%	1.32% +10.8% YoY	1.89% +4.0% YoY	1.30% +12.1% YoY	Top 11.3% in tier
Net Interest Margin ?	3.68% +14.6% YoY +0.3% QoQ	-0.30%	3.99% +5.0% YoY	4.43% +1.2% YoY	3.95% +4.9% YoY	36%
Efficiency Ratio ?	47.87% -8.1% YoY -0.5% QoQ	-16.61%	64.48% -3.2% YoY	57.29% +2.1% YoY	70.05% +2.5% YoY	Top 12.8% in tier
Delinquency Rate ?	0.00% -98.6% YoY -5.8% QoQ	-0.92%	0.92% +15.7% YoY	1.04% -16.3% YoY	0.98% +16.3% YoY	Top 12.0% in tier
Loan-to-Deposit Ratio ?	42.49% +11.4% YoY +4.8% QoQ	-35.47%	77.95% +1.0% YoY	57.68% +1.9% YoY	79.03% +2.3% YoY	Top 5.0% in tier
Non-Interest-Bearing Deposit Share ?	35.72% +1.3% YoY -1.1% QoQ	+13.69%	22.03% -0.6% YoY	32.88% -1.5% YoY	21.98% -0.6% YoY	Top 9.0% in tier
Nonperforming Asset Ratio ?	0.00% -98.5% YoY -0.7% QoQ	-0.67%	0.67% +16.4% YoY	0.60% -19.3% YoY	0.69% +15.8% YoY	Top 10.9% in tier
Tier 1 Capital Ratio ?	22.69% -8.4% YoY -11.3% QoQ	+6.78%	15.91% +1.4% YoY	21.71% -4.2% YoY	17.09% +0.8% YoY	Top 9.5% in tier
Non-Interest Income / Assets ?	0.23% +23.3% YoY +104.0% QoQ	-0.34%	0.57% +7.6% YoY	0.46% -9.7% YoY	0.66% +5.2% YoY	58%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Noninterest-Bearing	35.7% +0.5pp YoY -0.4pp QoQ	+13.6pp	22.1%	34.1%	22.2%	91%
Brokered Deposits	n/a	n/a	7.9%	5.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
C&I	5.2% -0.8pp YoY -0.4pp QoQ	-6.4pp	11.6%	20.2%	12.5%	21%
CRE	33.8% 0.0pp YoY -0.5pp QoQ	-5.8pp	39.5%	50.8%	41.4%	41%
1-4 Family	52.9% -2.6pp YoY -2.9pp QoQ	+20.2pp	32.6%	20.2%	31.3%	85%
Consumer	2.1% -0.4pp YoY -0.1pp QoQ	-2.0pp	4.1%	3.8%	5.0%	50%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
CET1 Ratio	22.7% -2.1pp YoY -2.9pp QoQ	+3.9pp	18.8%	26.0%	19.7%	85%
Leverage Ratio	9.2% 0.0pp YoY -0.4pp QoQ	-3.0pp	12.2%	13.9%	12.6%	15%
Total Capital Ratio	23.7% -2.2pp YoY -3.0pp QoQ	+3.7pp	19.9%	27.1%	20.8%	84%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Full-Time Employees	56 -2 (-3.4%) YoY +1 (+1.8%) QoQ	-3	58	75	482	60%
Assets per Employee ($)	$7.6M +4.4% YoY -1.1% QoQ	+$68K	$7.5M	$7.6M	$8.8M	62%
Branch Count	2 0 YoY 0 QoQ	-3	4	6	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.4%	5%
Nonaccrual	n/a	n/a	0.9%	1.1%	1.0%	n/a
Allowance Coverage	821.50x +6442.5% YoY +0.1% QoQ	+797.35x	24.15x	56.44x	20.23x	99%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	31%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
ROE	26.3% +0.7pp YoY +0.6pp QoQ	+14.1pp	12.2%	18.9%	11.6%	97%
Cost of Funds (YTD)	1.0% -0.1pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.0%	1.7%	10%
Net Income ($, YTD)	$4.4M +24.8% YoY — QoQ	+$1.9M	$2.6M	$5.6M	$40.4M	83%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#156 of 661 • Top 23.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.10%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

134

Loan-to-Deposit Ratio

liquidity

Value: 42.49%

Peer Median: 77.95%

#134 of 2643 Top 5.0% in $100M-$1B

240

Non-Interest-Bearing Deposit Share

funding

Value: 35.72%

Peer Median: 22.03%

#240 of 2643 Top 9.0% in $100M-$1B

251

Tier 1 Capital Ratio

capital

Value: 22.69%

Peer Median: 15.91%

#251 of 2643 Top 9.5% in $100M-$1B

288

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#288 of 2643 Top 10.9% in $100M-$1B

299

Return on Assets

profitability

Value: 2.10%

Peer Median: 1.32%

#299 of 2643 Top 11.3% in $100M-$1B

316

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#316 of 2633 Top 12.0% in $100M-$1B

338

Efficiency Ratio

profitability

Value: 47.87%

Peer Median: 64.48%

#338 of 2643 Top 12.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available