Centinel Bank of Taos vs Lea County State Bank
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 Lea County State Bank at 98/100 (A), a difference of 1 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 | Lea County State Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 99/100 (A)* | 98/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 24.0%* | 19.9% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.4% |
| Liquidity Ratio Cash and liquid assets vs obligations | 62.7% | 63.5%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.8% | 2.3%* |
| Total Assets | $405M | $719M |
| Total Deposits | $379M | $582M |
| Location | Taos, New Mexico | Hobbs, New Mexico |
Centinel Bank of Taos has a stronger Bank Health Score of 99/100 (A) compared to Lea County State Bank at 98/100 (A), a difference of 1 points. Centinel Bank of Taos holds a Tier 1 capital ratio of 23.98% and an NPL ratio of 0.03%.