Side-by-side · Q2 2026 data
Southwest Capital Bank vs Centinel Bank of Taos
Metric by metric
| Measure | Southwest Capital Bank | Centinel Bank of Taos |
|---|---|---|
| TellerScore | 61 | 79 (stronger) |
| Capital cushion | 58 (stronger) | 42 |
| Loan quality | 45 | 100 (stronger) |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 68 | 73 (stronger) |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 20th | 75th |
| Total assets | $482.9M | $424.8M |
| Deposits / shares | $432.3M | $387.6M |
| Capital ratio | 10.82% (stronger) | 9.22% |
| Problem loans | 1.66% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.23% | 2.10% (stronger) |
| Loans ÷ deposits | 55.2% | 42.5% (stronger) |
| Uninsured deposits | 43.9% | 39.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Centinel Bank of Taos has the higher TellerScore (79 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Southwest Capital Bank leads on 1 and Centinel Bank of Taos on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.