Compared with New Mexico
17 of 20
compared fees are above the median.
1 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
74th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New Mexico median
of 20 compared; 1 below, 2 about the same
See the feesFee schedule read Oct 6, 2026
Call-report figures are for Centinel Bank of Taos at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the New Mexico median | Published fees above the New Mexico median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Centinel Bank of Taos's published fee schedule; Bank Fee Index medians | Current schedule | Oct 6, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.4% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (74th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $145K in Q2 2026, 32% above the same quarter a year earlier ($110K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
17 of 20 compared published fees sit above the New Mexico median; 1 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New Mexico medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $9.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for New Mexico, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 32% from Q3 2025 to Q2 2026, to $145K. Its share of revenue, 3.4%, is above the 2.1% median for banks with $300M to $1B in assets.
$145K
Centinel Bank of TaosMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $6 to $14; we compare the midpoint.
Centinel Bank of Taos · $425M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Centinel Bank of Taos(this institution) | Taos, NM | $425M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American National Bank - Fox Cities | Appleton, WI | $433M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of the Lowcountry | Walterboro, SC | $430M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Zachary | Zachary, LA | $416M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Cattle Bank and Trust | Seward, NE | $422M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Central State Bank | Coralville, IA | $419M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coffee County Bank | Manchester, TN | $428M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Devon Bank | Chicago, IL | $419M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Exchange Bank and Trust Company | Perry, OK | $429M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Farmers State Bank of Calhan | Calhan, CO | $416M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers Trust and Savings Bank | Buffalo Center, IA | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Lockhart Bank | Lockhart, TX | $416M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Bank in DeRidder | DeRidder, LA | $419M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank | Buxton, ND | $424M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fleetwood Bank | Fleetwood, PA | $416M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Foresight Bank | Plainview, MN | $434M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage Bank & Trust | Columbia, TN | $418M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Heritage Bank of the Ozarks | Lebanon, MO | $424M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Home Bank SB | Martinsville, IN | $433M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kentland Bank | Kentland, IN | $419M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| MA Bank | Macon, MO | $417M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Valley Bank | Zanesville, OH | $427M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| River City Bank | Rome, GA | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sugar River Bank | Newport, NH | $424M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Town & Country Bank and Trust Company | Bardstown, KY | $434M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Winnsboro State Bank & Trust Company | Winnsboro, LA | $426M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9.50, the middle of its three prices, against a peer median of $6 among 12 publishing peers.
Its three checking prices are $6, $9.50 and $14.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Centinel Bank of Taos (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $145K | +$2K | +1.4% |
| Q1 2026 | $143K | −$7K | −4.7% |
| Q4 2025 | $150K | +$40K | +36.4% |
| Q3 2025 | $110K | $0 | 0.0% |
| Q2 2025 | $110K | −$3K | −2.7% |
| Q1 2025 | $113K | −$7K | −5.8% |
| Q4 2024 | $120K | +$1K | +0.8% |
| Q3 2024 | $119K | +$1K | +0.8% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Centinel Bank of Taos left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Centinel Bank of Taos by share.
Amounts from Centinel Bank of Taos’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per month
per page
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Centsible Checking Service charge | $9.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| NOW Checking Service charge | $14Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing Within 90 Days | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account (2 1/2 Years Inactivity) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement Reconciliation | $30Above the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Paper Statement | $5.25Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Returned Mail | $15Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Charge | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Return Item (per Item per Presentment) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement (Overnight Mail) Fed Ex Fee + | $15Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer (Customers Only) | $40Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Domestic Wire Transfer (Customers Only) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing International Wire (Customers Only) | $80Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming International Wire (Customers Only) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks (Customers Only) | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders (Customers Only) | $7Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (3 per Page) | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Check Cashing \ On-US Checks or Government Issued Checks | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Images on Statements | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Cash Management ACH File | $7Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Cash & Deposit | |||
| Night Depository Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Notary Services (per Acknowledgement) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishments\Levies | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Fed Ex Fee | $15Below the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Statement Reprint | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 6, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Centinel Bank of Taos operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $387.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $387.6M |
Largest competitors nearby
Local market: Taos county, NM, where it holds the most deposits.
| 3 in its local market | Deposit share |
|---|---|
| NBH Bank | 27.8% |
| U.S. Bank National Association | 21.8% |
| Questa Federal Credit Union | Credit union |
This bank holds 50.4% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.