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
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 | 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 |