Central Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio fell 0.71 percentage points from Q1 2026 to Q2 2026, ending at 76.76% against 77.47%. It was the largest change among the key lines on this page. Central Bank ranks 16th of 44 Utah banks on return on assets, in the upper half at 2.15% (Q2 2026). Central Bank's return on assets of 2.15% is well above the 1.27% median for banks in the $1B-10B asset tier, a gap of 0.88 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.42% |
| Equity capital to assets | 14.78% |
| Tangible equity to tangible assets | 14.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 1.91% |
| Allowance for credit losses to loans | 3.21% |
| Reserve coverage of non-performing loans | 958.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.15% |
| Return on equity | 14.69% |
| Net interest margin | 4.79% |
| Efficiency ratio | 48.27% |
| Yield on earning assets | 6.54% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.76% |
| Core deposits to total deposits | 88.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.15% |
| Securities to assets | 25.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.26% | 1.47% | 3.84% | 0.01% | 0.01% |
| Q4 2023 | 13.10% | 1.38% | 3.97% | 0.00% | 0.09% |
| Q1 2024 | 13.42% | 1.36% | 3.92% | 0.00% | 0.02% |
| Q2 2024 | 13.63% | 1.41% | 4.10% | 0.01% | 0.02% |
| Q3 2024 | 13.81% | 1.50% | 4.39% | 0.32% | 0.11% |
| Q4 2024 | 14.02% | 1.47% | 4.49% | 0.05% | 0.18% |
| Q1 2025 | 14.36% | 1.67% | 4.58% | 0.24% | 0.05% |
| Q2 2025 | 14.64% | 1.70% | 4.82% | 0.27% | 0.05% |
| Q3 2025 | 14.76% | 1.74% | 4.91% | 0.28% | 0.06% |
| Q4 2025 | 15.03% | 1.89% | 4.98% | 0.22% | 0.06% |
| Q1 2026 | 15.18% | 1.93% | 4.82% | 0.21% | 0.23% |
| Q2 2026 | 15.42% | 2.15% | 4.79% | 0.33% | 0.05% |
Central Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9204) · FFIEC NIC profile (RSSD 622774)