Central Bank
Provo, UT · Cert 9204 · Peer group: banks $1B-$10B in assets (n=313-319) · 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 23 of 319).
- Widest gap: net charge-offs / loans trails 68% of banks $1B-$10B in assets (rank 215 of 313).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.02%
Rank 23 of 319
Net Interest Margin
4.65%
Rank 24 of 319
Efficiency Ratio
49.13%
Rank 61 of 319
Equity / Assets
14.78%
Rank 25 of 319
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% | 1.21% | 1.53% | Beats 93% | 23 / 319 | | |
| Return on Equity | 13.64% | 8.49% | 11.44% | 14.57% | Beats 68% | 101 / 319 | | |
| Net Interest Margin | 4.65% | 3.06% | 3.43% | 3.81% | Beats 92% | 24 / 319 | | |
| Efficiency Ratio | 49.13% | 51.90% | 59.57% | 67.64% | Beats 81% | 61 / 319 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.25% | 0.54% | 1.18% | Beats 56% | 140 / 313 | | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.04% | 0.12% | Beats 32% | 215 / 313 | | |
| Capital |
| Tier 1 Capital Ratio | 15.42% | 11.74% | 12.99% | 15.28% | Beats 76% | 75 / 319 | | |
| Total Risk-Based Capital Ratio | 15.42% | 12.61% | 14.01% | 16.23% | Beats 68% | 103 / 319 | | |
| Equity / Assets | 14.78% | 9.03% | 10.33% | 12.01% | Beats 92% | 25 / 319 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.76% | 76.76% | 88.16% | 95.43% | 25th pctl | 236 / 314 | | |
| Loans / Assets | 63.06% | 65.79% | 74.05% | 79.84% | 20th pctl | 255 / 319 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |