Side-by-side · Q2 2026 data
UMB Bank, National Association vs Centinel Bank of Taos
Metric by metric
| Measure | UMB Bank, National Association | Centinel Bank of Taos |
|---|---|---|
| TellerScore | 65 | 79 (stronger) |
| Capital cushion | 39 | 42 (stronger) |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 75 | 100 (stronger) |
| Funding & liquidity | 43 | 73 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 54th | 75th |
| Total assets | $71.9B | $424.8M |
| Deposits / shares | $60.2B | $387.6M |
| Capital ratio | 8.89% | 9.22% (stronger) |
| Problem loans | 0.34% | 0.00% (stronger) |
| Net charge-offs | 0.17% | 0.00% (stronger) |
| Return on assets | 1.39% | 2.10% (stronger) |
| Loans ÷ deposits | 67.7% | 42.5% (stronger) |
| Uninsured deposits | 63.6% | 39.4% (stronger) |
| Offices | 189 | 1 |
| CFPB complaints (3 yrs) | 306 | — |
| Complaints per $1B deposits | 5.1 | — |
| Mortgage denial rate (HMDA) | 30.5% | — |
Centinel Bank of Taos has the higher TellerScore (79 vs 65). On the 7 directional measures above (where higher or lower is clearly better), UMB Bank, National Association leads on 0 and Centinel Bank of Taos on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.