Central Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central Bank of Provo, UT against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.15% | 1.34% | +0.81% | 90th top |
| ROAE | 14.69% | 12.34% | +2.35% | 68th above |
| Net Interest Margin | 4.79% | 3.83% | +0.96% | 92nd top |
| Efficiency Ratio | 48.27% | 58.97% | -10.70% | 79th top |
| PPNR / Avg Assets | 2.70% | — | — | 90th top |
| Yield on Earning Assets | 6.54% | 5.71% | +0.83% | 90th top |
| Cost of Funds | 2.02% | 2.02% | +0.00% | 49th below |
| Net Interest Spread | 3.62% | — | — | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.47% | 0.87% | -0.40% | 53rd above |
| NPA / Total Assets | 0.39% | — | — | 52nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 40th below |
| ACL / Total Loans | 3.21% | — | — | 99th top |
| ACL / NPLs (Coverage) | 681.52% | — | — | 82nd top |
| Texas Ratio | 1.91% | 5.48% | -3.57% | 70th above |
| Provision / NCO | 500.00% | — | — | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.42% | 11.11% | +4.31% | 93rd top |
| Equity / Assets | 14.78% | 11.02% | +3.76% | 92nd top |
| TCE / Tangible Assets | 14.56% | — | — | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.76% | 86.99% | -10.23% | 75th top |
| Core Deposit Ratio | 88.83% | 85.57% | +3.26% | 53rd above |
| Uninsured Deposit Ratio | 39.93% | 33.19% | +6.74% | 27th below |
| Wholesale Funding Ratio | 2.20% | — | — | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.83% | — | — | 53rd above |
| Loan Growth (Y/Y) | 0.68% | — | — | 20th bottom |
| Deposit Growth (Y/Y) | 7.88% | — | — | 65th above |
See Central Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Central Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Central Bank peer analysis.