Side-by-side · Q2 2026 data
First National Bank vs Centinel Bank of Taos
Metric by metric
| Measure | First National Bank | Centinel Bank of Taos |
|---|---|---|
| TellerScore | 42 | 79 (stronger) |
| Capital cushion | 53 (stronger) | 42 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 63 | 100 (stronger) |
| Funding & liquidity | 77 (stronger) | 73 |
| Problem-loan coverage | 21 | 100 (stronger) |
| Peer percentile | 3rd | 75th |
| Total assets | $452.8M | $424.8M |
| Deposits / shares | $425.4M | $387.6M |
| Capital ratio | 10.31% (stronger) | 9.22% |
| Problem loans | 5.29% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.08% | 2.10% (stronger) |
| Loans ÷ deposits | 50.7% | 42.5% (stronger) |
| Uninsured deposits | 35.9% (stronger) | 39.4% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Centinel Bank of Taos has the higher TellerScore (79 vs 42). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 2 and Centinel Bank of Taos on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.