Centinel Bank of Taos

Headquarters: Taos, New Mexico
Charter: Bank
Assets: $424.8M
Fed district: Kansas City

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 6, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $9.50, the middle of its prices
Centinel Bank of Taos: $6 to $14
Centinel Bank of Taos: $6 to $14
U.S. median: no median
Overdraft (OD)
Centinel Bank of Taos: $35
Centinel Bank of Taos: $35
U.S. median: no median
NSF / Returned Item
Centinel Bank of Taos: $35
Centinel Bank of Taos: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New Mexico: Banks and credit unions headquartered in New Mexico that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Among its peers

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.

Banks only
$416M to $434M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.50 (58%) above the median of similar-sized banks.

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

Centinel Bank of Taos: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Centinel Bank of Taos’s own schedules, with a source for each figure.

Account Maintenance

Centsible Checking Service charge$9.50
per month
NOW Checking Service charge$14
per month
Service charge$6
per month
Account Closing Within 90 Days$50
Dormant Account (2 1/2 Years Inactivity)$15
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation$30
Paper Statement$5.25
per month
Returned Mail$15

Overdraft & NSF

Overdraft Charge$35
Return Item (per Item per Presentment)$35
per item

ATM & Card

Debit Card Replacement (Overnight Mail) Fed Ex Fee +$15

Wire Transfers

Outgoing Domestic Wire Transfer (Customers Only)$40
Incoming Domestic Wire Transfer (Customers Only)$15
Outgoing International Wire (Customers Only)$80
Incoming International Wire (Customers Only)$20

Check Services

Cashiers Checks (Customers Only)$10
Money Orders (Customers Only)$7
Stop Payment$35
Counter Checks (3 per Page)$2
Not compared: Charged per page; comparison unavailable
per page
Check Cashing \ On-US Checks or Government Issued Checks$10
Check Images on Statements$3

Digital & Electronic

Cash Management ACH File$7
per item

Cash & Deposit

Night Depository Fee$10

Account Services

Notary Services (per Acknowledgement)$5
Garnishments\Levies$100

Other Fees

Fed Ex Fee$15
Statement Reprint$10

Fee	Amount	Basis	Note
Account Maintenance
Centsible Checking Service charge	$9.50	per month	None
NOW Checking Service charge	$14	per month	None
Service charge	$6	per month	None
Account Closing Within 90 Days	$50	Not stated	None
Dormant Account (2 1/2 Years Inactivity)	$15	Not stated	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation	$30	Not stated	None
Paper Statement	$5.25	per month	None
Returned Mail	$15	Not stated	None
Overdraft & NSF
Overdraft Charge	$35	Not stated	None
Return Item (per Item per Presentment)	$35	per item	None
ATM & Card
Debit Card Replacement (Overnight Mail) Fed Ex Fee +	$15	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer (Customers Only)	$40	Not stated	None
Incoming Domestic Wire Transfer (Customers Only)	$15	Not stated	None
Outgoing International Wire (Customers Only)	$80	Not stated	None
Incoming International Wire (Customers Only)	$20	Not stated	None
Check Services
Cashiers Checks (Customers Only)	$10	Not stated	None
Money Orders (Customers Only)	$7	Not stated	None
Stop Payment	$35	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	$10	Not stated	None
Check Images on Statements	$3	Not stated	None
Digital & Electronic
Cash Management ACH File	$7	per item	None
Cash & Deposit
Night Depository Fee	$10	Not stated	None
Account Services
Notary Services (per Acknowledgement)	$5	Not stated	None
Garnishments\Levies	$100	Not stated	None
Other Fees
Fed Ex Fee	$15	Not stated	None
Statement Reprint	$10	Not stated	None

Correct a fee source

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.

Fee change alerts

Get an email when Centinel Bank of Taos's safe deposit box changes in our data

We check once a day and send one email covering every change.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $9.50, the middle of its prices
Centinel Bank of Taos: $6 to $14
Centinel Bank of Taos: $6 to $14
U.S. median: no median
Overdraft (OD)
Centinel Bank of Taos: $35
Centinel Bank of Taos: $35
U.S. median: no median
NSF / Returned Item
Centinel Bank of Taos: $35
Centinel Bank of Taos: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New Mexico: Banks and credit unions headquartered in New Mexico that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Among its peers

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.

Banks only
$416M to $434M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.50 (58%) above the median of similar-sized banks.

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

Centinel Bank of Taos: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Centinel Bank of Taos’s own schedules, with a source for each figure.

Account Maintenance

Centsible Checking Service charge$9.50
per month
NOW Checking Service charge$14
per month
Service charge$6
per month
Account Closing Within 90 Days$50
Dormant Account (2 1/2 Years Inactivity)$15
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation$30
Paper Statement$5.25
per month
Returned Mail$15

Overdraft & NSF

Overdraft Charge$35
Return Item (per Item per Presentment)$35
per item

ATM & Card

Debit Card Replacement (Overnight Mail) Fed Ex Fee +$15

Wire Transfers

Outgoing Domestic Wire Transfer (Customers Only)$40
Incoming Domestic Wire Transfer (Customers Only)$15
Outgoing International Wire (Customers Only)$80
Incoming International Wire (Customers Only)$20

Check Services

Cashiers Checks (Customers Only)$10
Money Orders (Customers Only)$7
Stop Payment$35
Counter Checks (3 per Page)$2
Not compared: Charged per page; comparison unavailable
per page
Check Cashing \ On-US Checks or Government Issued Checks$10
Check Images on Statements$3

Digital & Electronic

Cash Management ACH File$7
per item

Cash & Deposit

Night Depository Fee$10

Account Services

Notary Services (per Acknowledgement)$5
Garnishments\Levies$100

Other Fees

Fed Ex Fee$15
Statement Reprint$10

Fee	Amount	Basis	Note
Account Maintenance
Centsible Checking Service charge	$9.50	per month	None
NOW Checking Service charge	$14	per month	None
Service charge	$6	per month	None
Account Closing Within 90 Days	$50	Not stated	None
Dormant Account (2 1/2 Years Inactivity)	$15	Not stated	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation	$30	Not stated	None
Paper Statement	$5.25	per month	None
Returned Mail	$15	Not stated	None
Overdraft & NSF
Overdraft Charge	$35	Not stated	None
Return Item (per Item per Presentment)	$35	per item	None
ATM & Card
Debit Card Replacement (Overnight Mail) Fed Ex Fee +	$15	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer (Customers Only)	$40	Not stated	None
Incoming Domestic Wire Transfer (Customers Only)	$15	Not stated	None
Outgoing International Wire (Customers Only)	$80	Not stated	None
Incoming International Wire (Customers Only)	$20	Not stated	None
Check Services
Cashiers Checks (Customers Only)	$10	Not stated	None
Money Orders (Customers Only)	$7	Not stated	None
Stop Payment	$35	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	$10	Not stated	None
Check Images on Statements	$3	Not stated	None
Digital & Electronic
Cash Management ACH File	$7	per item	None
Cash & Deposit
Night Depository Fee	$10	Not stated	None
Account Services
Notary Services (per Acknowledgement)	$5	Not stated	None
Garnishments\Levies	$100	Not stated	None
Other Fees
Fed Ex Fee	$15	Not stated	None
Statement Reprint	$10	Not stated	None

Correct a fee source

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.