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 | |