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Central Bank

Provo, UT · Cert 9204 · Central Bcorp

State charter, non-member · FDIC · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

78

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

81

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Central Bank

Provo, UT · Cert 9204 · Central Bcorp

State charter, non-member · FDIC · 13 branches

Q2 2026

$2.2BAssets
$1.4BLoans
$1.8BDeposits
$320.0MEquity
Loan mix
91%RE $1.3B8%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $1.2B31%Noninterest $0.6BQ2 2025Q2 2026

NIM

5.58%Q2 ’246.18%Q2 ’256.27%Q2 ’26+18%+2%

Non-interest income vs. expense

2.46%Q2 ’242.64%Q2 ’252.58%Q2 ’26+7%-8%

Market Position · Provo-Orem-Lehi, UT · 2026 SOD (annual) · 6.4% share · #4 of 16 inst. · $1.8B of $28.0B

6.4% Utah
1.3% Juab

Executive Summary

  • Earnings: ROA of 2.06%, up 36 bps year over year; NIM at 4.65%.
  • Asset quality: problem loans at 0.47% of loans (-30 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 15.42%, up 78 bps from a year ago.
  • Funding: loans stand at 76.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.06%+36 bps YoY

Net Interest Margin (YTD, annualized)

4.65%+8 bps YoY

Efficiency Ratio (YTD, annualized)

48.19%-298 bps YoY

Tier 1 Leverage Ratio

15.42%+78 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.72%1.78%1.95%2.06%+36 bps
Return on Equity12.48%12.44%12.62%13.20%13.93%+145 bps
Net Interest Margin4.57%4.59%4.62%4.71%4.65%+8 bps
Efficiency Ratio51.17%49.92%50.48%48.10%48.19%-298 bps
Non-Interest Burden2.14%2.10%2.12%2.02%1.97%-17 bps
Growth
Asset Growth (YoY)3.26%2.12%2.12%6.16%5.83%+257 bps
Loan Growth (YoY)10.21%8.99%3.36%3.86%0.68%-953 bps
Deposit Growth (YoY)8.97%11.66%11.93%8.94%7.88%-110 bps
Asset Quality
Nonperforming Loans / Loans0.77%0.86%0.67%0.67%0.47%-30 bps
Net Charge-Offs / Loans0.05%0.05%0.05%0.23%0.14%+10 bps
Allowance / Loans3.06%3.09%3.20%3.14%3.21%+15 bps
Allowance Coverage of NPLs4.0x3.6x4.8x4.7x6.8x+2.8x
Capital
Tier 1 Leverage Ratio14.64%14.76%15.03%15.18%15.42%+78 bps
Total Risk-Based Capital14.64%14.76%15.03%15.18%15.42%+78 bps
Equity / Assets13.93%14.49%15.05%14.49%14.78%+85 bps
Liquidity & Funding
Loans / Deposits82.25%82.47%81.28%77.47%76.76%-549 bps
Liquid Assets / Assets0.13%0.13%0.14%0.07%0.15%+2 bps
CRE / Total Capitaln/a330%312%306%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Central Bank

Provo, UT · Cert 9204 · Peer group: banks $1B-$10B in assets (n=322-328) · Central Bcorp

State charter, non-member · FDIC · 13 branches

Q2 2026

$2.2BAssets
$1.4BLoans
$1.8BDeposits
$320.0MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 94% of banks $1B-$10B in assets (rank 21 of 328).
  • Widest gap: net charge-offs / loans trails 70% of banks $1B-$10B in assets (rank 228 of 322).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.02%

Rank 21 of 328

Net Interest Margin

4.65%

Rank 23 of 328

Efficiency Ratio

49.13%

Rank 62 of 328

Equity / Assets

14.78%

Rank 24 of 328

Non-interest income vs. expense

$13.1M$55.5MINCOMEEXPENSE
Unfavorable gap of $42.4M · efficiency ratio beats 81% of banks $1B-$10B in assets
Bank 49.13%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.02%0.91%1.22%1.52%Beats 94%21 / 328
Return on Equity13.64%8.43%11.45%14.43%Beats 70%100 / 328
Net Interest Margin4.65%3.03%3.45%3.83%Beats 93%23 / 328
Efficiency Ratio49.13%51.61%59.56%67.53%Beats 81%62 / 328
Asset Quality
Nonperforming Loans / Loans0.47%0.24%0.51%1.03%Beats 54%150 / 322
Net Charge-Offs / Loans0.08%0.01%0.03%0.10%Beats 30%228 / 322
Capital
Tier 1 Capital Ratio15.42%11.75%13.15%15.47%Beats 75%83 / 328
Total Risk-Based Capital Ratio15.42%12.63%14.15%16.46%Beats 66%110 / 328
Equity / Assets14.78%9.15%10.33%12.01%Beats 93%24 / 328
Liquidity & Funding
Loans / Deposits76.76%76.63%87.92%95.36%25th pctl241 / 323
Loans / Assets63.06%65.18%74.15%79.98%22nd pctl256 / 328
Brokered Deposits / Depositsn/aNot reported for this institution