Needmoresleep - so many similarities with my mum which, like you, my sister and I failed to recognise.
She had always been meticulous with admin. She's 91 in a couple of days and, until last year, would move her savings around to get the best interest rate. Often when I visited she would sit doing paperwork. However, when we had to activate the Power of Attorney and I started going through her papers it was clear that from around autumn last year she was going through the motions but her paperwork was in chaos.
She would move my things when I was visiting and then deny having done so.
Just before Christmas she asked me to get some shopping for her on my way to visit her. An hour after I arrived my sister walked in with the same shopping. Mum flatly denied having asked us to get the same things - yet why else would we?!
Another sign I think is that she seemed emotionally very flat. I assumed she was depressed having lost my dad in 2011 but with hindsight it was obviously more.
I also found more and more often I would say something and she wouldn't react at all. So I would repeat it, often louder thinking she hadn't heard me. She would snap back that there was no need to shout and she was thinking. To my shame I would get tetchy and say that, perhaps if she acknowledged I'd spoken in some non-verbal way I wouldn't repeat myself. But they were like short absences really.
As with your mum, routine was also very important, and doing the same things - even when they no longer seemed to hold any pleasure for her.
With hindsight I think she did become more critical (although she always was so I didn't notice the increase) and critical for odd reasons.
Oddly, mum did say quite often in the last year that her memory was getting bad but I didn't think much of it given her age. I don't suppose it would have made any difference though if we had realised sooner what was happening.