Centinel Bank of Taos vs Bank of the Southwest
Side-by-side bank health comparison using FDIC financial data
Verdict
Centinel Bank of Taos has a stronger Bank Health Score of 99/100 (A) compared to Bank of the Southwest at 99/100 (A), a difference of 0 points. Centinel Bank of Taos holds a Tier 1 capital ratio of 23.98% and an NPL ratio of 0.03%.
| Metric | Centinel Bank of Taos | Bank of the Southwest |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 99/100 (A) | 99/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 24.0%* | 16.0% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.1% |
| Liquidity Ratio Cash and liquid assets vs obligations | 62.7%* | 32.5% |
| Return on Assets Profitability metric (above 1% is strong) | 1.8% | 2.2%* |
| Total Assets | $405M | $178M |
| Total Deposits | $379M | $160M |
| Location | Taos, New Mexico | Roswell, New Mexico |
Centinel Bank of Taos has a stronger Bank Health Score of 99/100 (A) compared to Bank of the Southwest at 99/100 (A), a difference of 0 points. Centinel Bank of Taos holds a Tier 1 capital ratio of 23.98% and an NPL ratio of 0.03%.