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Central Bank
Provo, UT · FDIC Certificate #9204 · Chartered 10/1
Total assets
$2.16B
Total deposits
$1.78B
Total equity
$320.01M
Net loans
$1.32B
Branches (offices)
13
Net income (YTD)
$21.83M
Rank: #573 of 4,213 U.S. banks by assets · #24 of 44 in Utah. Assets changed 5.8% and deposits 7.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.06% |
| Return on equity | 13.93% |
| Net interest margin (YTD) | 4.94% |
| Equity to assets | 14.78% |
| Tier 1 leverage ratio | 15.42% |
| Uninsured deposits (share of deposits) | 39.9% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 74.3% |
| Real estate loans (share of loans) | 94.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.25B | 94.3% | |
| Commercial & industrial | $105.93M | 8.0% | |
| Consumer / individual | $12.97M | 1.0% | |
| Construction & development | $341.45M | 25.8% | |
| Agricultural | $235.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.03B | $1.74B | $12.95M | $197.21M |
| Jun 2023 | $1.97B | $1.50B | $13.96M | $212.50M |
| Jun 2024 | $1.98B | $1.51B | $14.03M | $248.52M |
| Jun 2025 | $2.05B | $1.65B | $17.24M | $284.97M |
| Jun 2026 | $2.16B | $1.78B | $21.83M | $320.01M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Utah | $1.78B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.78B.
Similar-sized banks
Cfbank, National Association ($2.17B) · United Bank ($2.16B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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