Central Bank
Provo, UT · Cert 9204 · Peer group: banks $1B-$10B in assets (n=311-317) · 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 93% of banks $1B-$10B in assets (rank 21 of 317).
- Widest gap: net charge-offs / loans trails 69% of banks $1B-$10B in assets (rank 215 of 311).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.02%
Rank 21 of 317
Net Interest Margin
4.65%
Rank 25 of 317
Efficiency Ratio
49.13%
Rank 60 of 317
Equity / Assets
14.78%
Rank 25 of 317
Non-interest income vs. expense
Unfavorable gap of $42.4M · efficiency ratio beats 81% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.02% | 0.93% | 1.22% | 1.51% | Beats 93% | 21 / 317 | |
| Return on Equity | 13.64% | 8.63% | 11.43% | 14.48% | Beats 69% | 99 / 317 | |
| Net Interest Margin | 4.65% | 3.06% | 3.45% | 3.83% | Beats 92% | 25 / 317 | |
| Efficiency Ratio | 49.13% | 51.90% | 59.69% | 67.53% | Beats 81% | 60 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.24% | 0.51% | 1.14% | Beats 54% | 144 / 311 | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.04% | 0.12% | Beats 31% | 215 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 15.42% | 11.75% | 13.15% | 15.30% | Beats 76% | 77 / 317 | |
| Total Risk-Based Capital Ratio | 15.42% | 12.63% | 14.21% | 16.26% | Beats 67% | 104 / 317 | |
| Equity / Assets | 14.78% | 9.06% | 10.32% | 11.95% | Beats 92% | 25 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 76.76% | 76.63% | 88.04% | 95.67% | 26th pctl | 232 / 312 | |
| Loans / Assets | 63.06% | 65.41% | 74.05% | 79.71% | 21st pctl | 251 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |