CENTRAL BANK

PROVO, UT | Large | Est. Oct. 17, 1891, midnight | FDIC #9204 | RSSD #622774 | FDIC
Latest Report: 2025-12-31

CENTRAL BANK is aln large FDIC-insured commercial bank headquartered in PROVO, UT, established in Oct. 17, 1891, midnight. As of 2025-12-31, the bank reported total assets of $2.1B and total deposits of $1.7B. Profitability stands at 1.92% ROA and 12.99% ROE, with a net interest margin of 5.41%. The bank's CET1 capital ratio is 14.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.06%. FDIC Certificate #9204.

Assets

$2.1B

Deposits

$1.7B

Loans

$1.4B

Equity

$309M

Profitability

Return on Assets (ROA) 1.92%
Return on Equity (ROE) 12.99%
Net Interest Margin (NIM) 5.41%
Yield on Assets 7.20%
Cost of Funds 3.25%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.05%
Texas Ratio 1.06%
NPA Ratio 0.18%
ACL / Loans 3.20%

Capital & Liquidity

CET1 Ratio 14.78%
Tier 1 Capital 14.78%
Total Capital Ratio 15.52%
Leverage Ratio 15.02%
Loan-to-Deposit 81.28%

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