Central Bank (Provo, UT): Financial Reports & UBPR Data
BankRegReports is independent of Central Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Central Bank is one of the more profitable banks of its size. The Provo, Utah bank had $2.2 billion in assets at June 30, 2026, up 5.8% from a year earlier. It earns about $2.15 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also keeps 4.79 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents). Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $12 million, 33% above the same quarter a year earlier. Over the same year, loans grew 0.7% and deposits grew 7.9%.
As of June 30, 2026, Central Bank reported a return on assets of 2.15%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 1.91%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 75 N University Ave, Provo, UT 84601
- County
- Utah
- Metro Area
- Provo-Orem-Lehi, UT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 17, 1891
- Former names
- Central Bank and Trust Company (1966-1990)
- Offices
- 13 domestic
- Employees (FTE)
- 301
- Domestic deposits
- $1.78B
- Allowance for credit losses
- $43.8M
- Net charge-offs (YTD)
- $978K
- Average total assets
- $2.15B
- Average total loans
- $1.38B
- Average interest-bearing deposits
- $1.21B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9204
- Fed RSSD
- 622774
- Website
- www.cbutah.com →
- Parent Holding Company
- CENTRAL BANCORPORATION (RSSD 1025662)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Central Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Central Bank, freeCentral Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.42% | 2.15% | 0.33% | 1.91% | 4.79% |
| Q1 2026 | 15.18% | 1.93% | 0.21% | 2.73% | 4.82% |
| Q4 2025 | 15.03% | 1.89% | 0.22% | 2.22% | 4.98% |
| Q3 2025 | 14.76% | 1.74% | 0.28% | 3.14% | 4.91% |
| Q2 2025 | 14.64% | 1.70% | 0.27% | 3.11% | 4.82% |
| Q1 2025 | 14.36% | 1.67% | 0.24% | 2.48% | 4.58% |
| Q4 2024 | 14.02% | 1.47% | 0.05% | 4.83% | 4.49% |
| Q3 2024 | 13.81% | 1.50% | 0.32% | 1.51% | 4.39% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Central Bank (main office) | Provo , UT | 84601 | $315.3M |
| Spanish Fork Branch | Spanish Fork , UT | 84660 | $291.8M |
| Provo Branch | Provo , UT | 84601 | $237.2M |
| Orem Branch | Orem , UT | 84057 | $180.8M |
| American Fork Branch | American Fork , UT | 84003 | $156.0M |
| Lehi Office | Lehi , UT | 84043 | $118.1M |
| Mapleton Branch | Mapleton , UT | 84664 | $116.7M |
| Traverse Mountain | Lehi , UT | 84043 | $101.6M |
| Riverside Plaza Branch | Provo , UT | 84604 | $98.0M |
| Payson Branch | Payson , UT | 84651 | $93.9M |
| Pleasant Grove Branch | Pleasant Grove , UT | 84062 | $51.5M |
| Saratoga Springs Branch | Saratoga Springs , UT | 84045 | $15.0M |
| Nephi Branch | Nephi , UT | 84648 | $2.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 1966 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for Central Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in UT, rank 29 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 189 applications, 141 loans originated, $84.5M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 63 loans, $24.0M approved, $381K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Central Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Central Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Central Bank
What are Central Bank's total assets?
As of the Q2 2026 filing, Central Bank reported total assets of $2.16 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Central Bank headquartered?
Central Bank is headquartered in Provo, UT, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Central Bank founded?
Central Bank was established in 1891, per the FDIC institution directory.
Is Central Bank FDIC-insured?
Yes. Central Bank is an FDIC-insured commercial bank (FDIC Certificate #9204). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central Bank?
Central Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Central Bank operate?
Central Bank operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central Bank's Texas Ratio?
Central Bank's Texas Ratio is 1.91% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Central Bank previously called?
The charter now named Central Bank has also operated as Central Bank and Trust Company (1966-1990), per FDIC structure-change records.
Go deeper on Central Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Central Bank, freeFree account