# CENTINEL BANK OF TAOS
TAOS, NM · FDIC certificate 19904 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $424.8M | |
| Deposits | $387.6M | |
| Loans and leases | $166.3M | |
| Total equity | $33.1M | |
| Loans / deposits | 42.49% (p3 of band) | 82.04% |
| Liquid assets / assets | 58.49% (p96 of band) | |
| Uninsured deposits / deposits | 39.42% (p87 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.22% (p16 of band) | 10.81% |
| Unrealized securities loss / equity | -33.14% (p11 of band) | -8.10% |
| AOCI / equity | -2.26% (p6 of band) | |
| ROA (annualized) | 2.10% (p89 of band) | 1.28% |
| Net interest margin | 3.68% (p37 of band) | 3.91% |
| Efficiency ratio | 47.87% (p14 of band) | |
| Noncurrent loans | 0.00% (p9 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p36 of band) | |
| Reserve coverage of noncurrent | 82150.00% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 70.55% (p71 of band) | |
| Auto loans | $1.1M (0.69% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 56 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 2 |  | construction >100% equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | capital falling, construction >100% equity |  |
| 2023-12 | 2 |  | construction >100% equity |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | capital falling, deposits shrinking |  |
| 2026-03 | 1 |  | capital falling, deposits shrinking |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-25 [Rooted in community - The Taos News](https://news.google.com/rss/articles/CBMirAFBVV95cUxOM1oxQUg2bW94MDRXam9FV0lsbEhyRURRYTQzU0wxeW1mLXVaYUhUa2FSMUktbi1XMVBBd3ZWeXU5ZzZkVHptZnR4TDZhc20tY1dfWEpDZTV4ZkhFV2JUaEhkYWFWY3pMaHM0TVRsSS1UWGVEWnFVSGNkMUQ4RGdYUWVkc292OFRaRER3WEU2eW1BMjV6RUk3VjVJSVpzNzFqZHBWWE1xZnN2RE9t?oc=5) · The Taos News
- 2026-02-03 [Elizabeth Romero Obituary (1928 - 2026) - Santa Fe, NM - Taos News - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNSHMycV9NdWJpRFZiQ3hhWkx1RllFeS1DTkRwWGF0cnVSVWliSkp0ZmVLUWh6Z3EtZGxncmtzNk1HQXlLU2tIV2ZrYV80eWlCckhZX3JxcDFXN2I4VnA2MG9mRGo0RnRCd29ENlNiTXB4VGczdU56SkpNNHFvUlp5R3AxbFZFaTlWRzFSclh5bWE4dw?oc=5) · legacy.com
- 2016-03-07 [Success Story: Centinel Bank: 47th Anniversary and Highest National Recognition for CEO - The Taos News](https://news.google.com/rss/articles/CBMihAJBVV95cUxQOGxtbEdMYW1LS1JaMVZ0Y0dBY2paakVZRFY1QXlNZ3Q3U25DTUtuU1RILW9pUkxMRFNWaGJLNDNwM2MwZFZkcS1vVEFPWlN5U0ItZzc0d3YtVjc5c3BzODFQc18yRGRfMG85b3R3Y0lJS1dpRms1dndfSjd3Z2RRVjIyTWdKZmF6QVF6QkZ6WWItWVE5T0JYS2FkRjNuMC1DR1NNQ0NGQXp2Ykxod2FMaHJBRjJYUUdPMkFvbFoySEd6aDI4X24yRHIyT3JqSVdlcVZjc3pNc2xzWXpzVXVIQnl6aklsNmdxV2QwdzlNU0RweVMzLWxISTFZV1dwak1vbGVJaQ?oc=5) · The Taos News
- 2024-02-19 [Eliu Romero Obituary Feb 19, 2024 - Rivera Family Funerals & Cremations](https://news.google.com/rss/articles/CBMibkFVX3lxTFAzZ3AwZ1VMeXpqdU0zV0ppTVp2V2lfaVhGV0Q2bjlJNTBZbUFJVU1lenZ4WEVlNDZzbWVyVDRuOXNQRjQtVFdqTE54T1JJNHpOLWFScW15cXU5a0plcFBBamVnbzVoajc5aWlELVJR?oc=5) · Rivera Family Funerals & Cremations
- 2021-02-05 [Hispanic American–Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMigAFBVV95cUxNekJYVXloWFZDb19oMGVOdmo5aFRBalRMbHktTk90UmRrY0c3a2hINVl1eFAzWURsV0RhX3Y2NDdJMVdvbmduUzNqa3REV0U5NXdRRF9CNVpvTC1QbTYwYUVBQm90N2VHbmhhQ2laRUh2RlEtSV9teWF1OTNvd2Q3Zw?oc=5) · Investopedia
- 2021-09-20 [Community 1st Bank Las Vegas review: Hispanic American-owned bank with competitive CD rates - Business Insider Africa](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPVW53ZlJKQjIzZ01uSC1LWWZhVjhyaHN4SWt0Y2o4S2FodENMN3F4UTMxY09MUkVYa29zc2RiTGdJUkFNLUd2R0NOeUNyUkZOVUI4T183ejZqQ1I0VU9xOTlKZm5jRF9IU0NJRFhxQjRGRHFGdDZKdy00eVZBaHpRZW5TckEtOFk0N3VpVlUyMm1ad0k0NFM3Z2hwd0kzT3Nfd2RzQ2hkWUtTVzc5SzlOS1hIc192RkJ0S1prS0N5TWR6SGFDV1ZwdU9ZNjExMkdrOVRfMzdUdllmcndWbkE?oc=5) · Business Insider Africa
- 2025-08-15 [Homeless man granted bank account - The Taos News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOY3M2aUxoX2FGZ0ppUGJZVVgyOF84Mk9nMllmMm5PVndHZ2lLOXZxZ3MyRG9ZRy0yWXlZckpfZ1hFR0RCN2ZGR3V5ZGRsVG91cEEwUUZjZlpVQVNwNVV1RDBjbF9VYjlfOGtYaF9vZllIS3cwM1RSZ3VvY2JuQjNqVjVLMFBULXJ2OU8xWmpnODZQT2xZbDVJZWFPaVBaLTU5MER4eTFGM01zejh4MUE4R3hGeEpSbjhDLXE0OXd4eXA1dw?oc=5) · The Taos News
- 2007-02-17 [Joan Wheeland Obituary Feb 17, 2007 - Rivera Family Funerals & Cremations](https://news.google.com/rss/articles/CBMicEFVX3lxTE50aGxub2xYX19mWDMtVzJ5OUE1d1gyZjlTSk9pak5rTkJQSmZCMlVTYjAwcExTRnZRVDV4MWE3RWxEei1wSGROOU82V1BkR2JWaWgzWTlwZXJaTkQyNUZaa19DMXRqU2NXdUNrVVlFM3E?oc=5) · Rivera Family Funerals & Cremations

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19904 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/0.json (key "19904", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide