taos landscape with water

Community Reinvestment Act

As Taos' Community Bank we are community driven and relationship focused.  On this page you will find information in regard to our CRA Public File. The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low- and moderate-income neighborhoods.

Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC), evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations.  The FDIC also takes this record into account when deciding on certain applications submitted by us. Your involvement is encouraged.

You should know that:

Your are entitled to certain information about our operations and our performance und the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA performance evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the FDIC publishes a list of the banks that are scheduled for CRA examination by the FDIC in that quarter. This list is available from the Regional Director, Federal Deposit Insurance Corporation, 1910 Pacific Ave., Suite 1900, Dallas, TX 75201.  You may send written comments about our performance in helping to meet community credit needs to Angel Reyes, President, Centinel Bank of Taos, PO Box 818, Taos, New Mexico 87571 and the FDIC Regional Director.  You may also submit comments electronically through the FDIC’s Web site at www.fdic.gov/regulations/cra.  Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Director. You may also request from the FDIC Regional Director an announcement of our applications covered by the CRA filed with the FDIC.  We are an affiliate of Centinel Bank Shares, Inc., a bank holding company.  You may request from the Federal Reserve Bank of Kansas City, 925 Grand Ave., Kansas City, MO. 64198, an announcement of applications covered by the CRA filed by bank holding companies,

Personal Products & Services including, banking, lending & investing.
Business Products & Services including, banking & lending.
Contact us with questions regarding transaction fees or cost of services.
Centinel Bank CRA Disclosure Statements are available for review at the
Federal Financial Institution Examination Council (FFIEC) website. To view the Disclosure Statement, select the year you wish to review and enter either the Respondent ID or Institution Name.
End of Quarter Summary
3/31/23 - 37.48%
6/30/23 - 37.44%
9/30/23 - 36.83%
12/31/23 - 36.66%
Centinel Bank did not received any CRA-related complaints or comments during our  review period. 

Main Office:

512 Paso El Pueblo Sur

Taos, NM  87571

Census Tract # 9526

Hours 9:00 am to 5:00 pm Monday thru Friday


Motorbank Drive Thru:

508 Paseo del Pueblo Sur

Taos, NM  87571

Census Tract #9526

Hours:  9:00 a.m. to 5:30 p.m. Monday thru Thursday

             9:00 a.m. to 6:00 p.m. Friday

             8:30 a.m. to 2:00 pm Saturday


Northside Motorbank Drive Thru:

707 Paseo del Pueblo Sur

Taos, NM  87571

Census Tract # 9524

Hours:  9:00 a.m. to 5:30 p.m. Monday thru Thursday

             9:00 a.m. to 6:00 p.m. Friday