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

2664 banks in the $100M-$1B peer group nationally 22 in NM

Centinel Bank of Taos has 4 strengths but faces 3 concerns

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

+ Credit Quality Leader: Top 27.0% in tier
+ Profitability Leader: Top 29.4% in tier
+ Non-Interest-Bearing Deposit Share 14.11% above tier average
+ Efficiency Ratio 17.16% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.2% in tier
- Credit Risk Growth: Bottom 16.9% in tier
- Net Interest Margin 0.26% below tier average

Get updates when Centinel Bank of Taos releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$421.7M +1.0% YoY +2.1% QoQ	+$35.7M	$386.1M +0.5% YoY	$562.1M +2.2% YoY	$6.2B +9.1% YoY	64%
Total Loans ?	$155.2M +6.3% YoY +1.6% QoQ	-$100.5M	$255.7M +1.1% YoY	$311.0M +7.5% YoY	$3.2B +10.8% YoY	37%
Total Deposits ?	$382.9M -0.5% YoY +1.7% QoQ	+$54.9M	$328.0M +0.1% YoY	$489.7M +0.9% YoY	$4.8B +8.2% YoY	68%
Return on Assets ?	2.08% +24.6% YoY +59.8% QoQ	+0.81%	1.27% +12.9% YoY	1.89% +10.3% YoY	1.23% +13.4% YoY	Top 10.9% in tier
Net Interest Margin ?	3.67% +13.8% YoY +9.6% QoQ	-0.26%	3.93% +6.0% YoY	4.41% +2.5% YoY	3.89% +5.7% YoY	39%
Efficiency Ratio ?	48.12% -7.7% YoY -7.2% QoQ	-17.16%	65.29% -4.5% YoY	56.82% -1.4% YoY	66.95% -4.1% YoY	Top 12.6% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.04% -3.5% YoY	0.95% +18.8% YoY	Top 11.9% in tier
Loan-to-Deposit Ratio ?	40.52% +6.8% YoY -0.1% QoQ	-36.11%	76.64% +0.8% YoY	57.05% +2.9% YoY	76.70% +0.9% YoY	Top 4.6% in tier
Non-Interest-Bearing Deposit Share ?	36.13% +5.0% YoY -4.0% QoQ	+14.11%	22.02% -1.0% YoY	32.96% +0.3% YoY	22.01% -1.2% YoY	Top 8.6% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.58% -1.5% YoY	0.67% +19.3% YoY	Top 11.1% in tier
Tier 1 Capital Ratio ?	25.59% +4.1% YoY +6.9% QoQ	+9.76%	15.83% +1.5% YoY	21.68% -6.9% YoY	17.06% +0.8% YoY	Top 6.0% in tier
Non-Interest Income / Assets ?	0.11% +23.0% YoY -73.2% QoQ	-0.17%	0.28% +9.3% YoY	0.22% -8.0% YoY	0.32% +4.1% YoY	59%

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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 (2)

Credit Quality Leader

growth

#180 of 664 • Top 27.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Profitability Leader

growth

#197 of 666 • Top 29.4% in tier

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

Why this signature

Return on Assets: 2.08%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Credit Quality Pressure

risk

#3 of 1308 • Bottom 0.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Credit Risk Growth

risk

#165 of 973 • Bottom 16.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

124

Loan-to-Deposit Ratio

liquidity

Value: 40.52%

Peer Median: 76.64%

#124 of 2664 Top 4.6% in $100M-$1B

162

Tier 1 Capital Ratio

capital

Value: 25.59%

Peer Median: 15.83%

#162 of 2664 Top 6.0% in $100M-$1B

230

Non-Interest-Bearing Deposit Share

funding

Value: 36.13%

Peer Median: 22.02%

#230 of 2664 Top 8.6% in $100M-$1B

292

Return on Assets

profitability

Value: 2.08%

Peer Median: 1.27%

#292 of 2664 Top 10.9% in $100M-$1B

298

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#298 of 2664 Top 11.1% in $100M-$1B

316

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#316 of 2654 Top 11.9% in $100M-$1B

336

Efficiency Ratio

profitability

Value: 48.12%

Peer Median: 65.29%

#336 of 2664 Top 12.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available