BlastPoint's Banking Scorecard
Central Bank
Community
Specialty: Commercial
UT
FDIC cert 9204
Provo, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
Central Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 43% in Community
- + Profitability Leader: Top 43% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 28% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+2.1% YoY
-0.4% QoQ
|
+$659.5M |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$1.3B
+3.2% YoY
-2.5% QoQ
|
+$348.2M |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$1.7B
+11.9% YoY
-1.0% QoQ
|
+$517.6M |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
1.77%
+20.1% YoY
+3.0% QoQ
|
+0.61% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
5.02%
+13.1% YoY
+1.6% QoQ
|
+1.35% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
50.48%
-5.9% YoY
+1.1% QoQ
|
-12.15% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.69%
-33.7% YoY
-22.6% QoQ
|
+0.06% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
78.68%
-7.8% YoY
-1.5% QoQ
|
-4.38% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
30.54%
-12.5% YoY
-3.5% QoQ
|
+9.49% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.49%
-33.9% YoY
-21.3% QoQ
|
-0.01% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.53%
-1.9% YoY
+46.6% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (2)
Deposit Franchise
growth
#65 of 150 · Top 43% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
30.54%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.02%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#161 of 371 · Top 43% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.77%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (1)
Capital Thin
risk
#122 of 432 · Bottom 28% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Net Interest Margin
Current: 5.02% · Tier avg: 3.66%
86
86th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.16%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.54% · Tier avg: 21.05%
83
83th pctile
Efficiency Ratio
Current: 50.48% · Tier avg: 62.63%
80
80th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
79
79th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.68% · Tier avg: 83.06%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
36
36th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
36
36th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.63%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.68% · Tier avg: 83.06%
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
79
79th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
80
80th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
83
83th pctile
Efficiency Ratio
Current: 50.48% · Tier avg: 62.63%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.54% · Tier avg: 21.05%
86
86th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.16%
95
95th pctile
Net Interest Margin
Current: 5.02% · Tier avg: 3.66%