Provo, UT · Cert 9204 · Central Bcorp
State charter, non-member · FDIC · 13 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
78
Asset Quality
42
Profitability
86
Liquidity
52
Efficiency
81
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.
Provo, UT · Cert 9204 · Central Bcorp
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · Provo-Orem-Lehi, UT · 2026 SOD (annual) · 6.4% share · #4 of 16 inst. · $1.8B of $28.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.48% | 1.69% | 1.70% | 1.72% | 1.78% | 1.95% | 2.06% | +36 bps | |
| Return on Equity | 11.71% | 11.66% | 12.54% | 12.48% | 12.44% | 12.62% | 13.20% | 13.93% | +145 bps | |
| Net Interest Margin | 3.95% | 4.04% | 4.46% | 4.57% | 4.59% | 4.62% | 4.71% | 4.65% | +8 bps | |
| Efficiency Ratio | 54.74% | 53.67% | 52.02% | 51.17% | 49.92% | 50.48% | 48.10% | 48.19% | -298 bps | |
| Non-Interest Burden | 1.94% | 1.92% | 2.12% | 2.14% | 2.10% | 2.12% | 2.02% | 1.97% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.60% | 2.23% | 3.76% | 3.26% | 2.12% | 2.12% | 6.16% | 5.83% | +257 bps | |
| Loan Growth (YoY) | 15.79% | 14.53% | 12.34% | 10.21% | 8.99% | 3.36% | 3.86% | 0.68% | -953 bps | |
| Deposit Growth (YoY) | 0.46% | 4.24% | 10.22% | 8.97% | 11.66% | 11.93% | 8.94% | 7.88% | -110 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.60% | 1.01% | 0.61% | 0.77% | 0.86% | 0.67% | 0.67% | 0.47% | -30 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.08% | 0.05% | 0.05% | 0.05% | 0.05% | 0.23% | 0.14% | +10 bps | |
| Allowance / Loans | 2.96% | 3.01% | 3.04% | 3.06% | 3.09% | 3.20% | 3.14% | 3.21% | +15 bps | |
| Allowance Coverage of NPLs | 4.9x | 3.0x | 5.0x | 4.0x | 3.6x | 4.8x | 4.7x | 6.8x | +2.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.81% | 14.02% | 14.36% | 14.64% | 14.76% | 15.03% | 15.18% | 15.42% | +78 bps | |
| Total Risk-Based Capital | 13.81% | 14.02% | 14.36% | 14.64% | 14.76% | 15.03% | 15.18% | 15.42% | +78 bps | |
| Equity / Assets | 13.33% | 13.29% | 13.68% | 13.93% | 14.49% | 15.05% | 14.49% | 14.78% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.49% | 88.02% | 81.26% | 82.25% | 82.47% | 81.28% | 77.47% | 76.76% | -549 bps | |
| Liquid Assets / Assets | 0.14% | 0.16% | 0.18% | 0.13% | 0.13% | 0.14% | 0.07% | 0.15% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 330% | 312% | 306% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.02% | 0.91% | 1.22% | 1.52% | Beats 94% | 21 / 328 | ||
| Return on Equity | 13.64% | 8.43% | 11.45% | 14.43% | Beats 70% | 100 / 328 | ||
| Net Interest Margin | 4.65% | 3.03% | 3.45% | 3.83% | Beats 93% | 23 / 328 | ||
| Efficiency Ratio | 49.13% | 51.61% | 59.56% | 67.53% | Beats 81% | 62 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.24% | 0.51% | 1.03% | Beats 54% | 150 / 322 | ||
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.03% | 0.10% | Beats 30% | 228 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.42% | 11.75% | 13.15% | 15.47% | Beats 75% | 83 / 328 | ||
| Total Risk-Based Capital Ratio | 15.42% | 12.63% | 14.15% | 16.46% | Beats 66% | 110 / 328 | ||
| Equity / Assets | 14.78% | 9.15% | 10.33% | 12.01% | Beats 93% | 24 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.76% | 76.63% | 87.92% | 95.36% | 25th pctl | 241 / 323 | ||
| Loans / Assets | 63.06% | 65.18% | 74.15% | 79.98% | 22nd pctl | 256 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||