Headquartered in Provo, Utah, Central Bank is a state-chartered bank with $2.2B in total assets and $1.8B in deposits as of Q2 2026. It operates 13 offices. Its charter dates back to 1891.
Central Bank has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 897 banks with $1 billion – $10 billion. Among 45 banks headquartered in Utah, it ranks 4th. Capital cushion contributes the most (100/100, 15.42%); funding & liquidity contributes the least (58/100, 74% loans-to-deposits, 40% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (82 → 89), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 80 |
| Q4 2024 | 76 |
| Q1 2025 | 84 |
| Q2 2025 | 82 |
| Q3 2025 | 82 |
| Q4 2025 | 85 |
| Q1 2026 | 87 |
| Q2 2026 | 89 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.63% |
| Q3 2024 | 13.81% |
| Q4 2024 | 14.02% |
| Q1 2025 | 14.36% |
| Q2 2025 | 14.64% |
| Q3 2025 | 14.76% |
| Q4 2025 | 15.03% |
| Q1 2026 | 15.18% |
| Q2 2026 | 15.42% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.60% |
| Q4 2024 | 1.01% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.77% |
| Q3 2025 | 0.86% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.67% |
| Q2 2026 | 0.47% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.43% |
| Q3 2024 | 1.47% |
| Q4 2024 | 1.48% |
| Q1 2025 | 1.69% |
| Q2 2025 | 1.70% |
| Q3 2025 | 1.72% |
| Q4 2025 | 1.78% |
| Q1 2026 | 1.95% |
| Q2 2026 | 2.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 89 | $2.2B | 15.42% | 0.47% | 2.06% | 74.3% |
| Q1 2026 | 87 | $2.1B | 15.18% | 0.67% | 1.95% | 75.0% |
| Q4 2025 | 85 | $2.1B | 15.03% | 0.67% | 1.78% | 78.7% |
| Q3 2025 | 82 | $2.1B | 14.76% | 0.86% | 1.72% | 79.9% |
| Q2 2025 | 82 | $2.0B | 14.64% | 0.77% | 1.70% | 79.7% |
| Q1 2025 | 84 | $2.0B | 14.36% | 0.61% | 1.69% | 78.8% |
| Q4 2024 | 76 | $2.0B | 14.02% | 1.01% | 1.48% | 85.4% |
| Q3 2024 | 80 | $2.0B | 13.81% | 0.60% | 1.47% | 82.0% |
| Q2 2024 | 79 | $2.0B | 13.63% | 0.60% | 1.43% | 78.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Utah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Square Financial Services, Inc.Bank Salt Lake City, UT | 84 out of 100, Strong | $2.1B | 65.2% | 0.67% | vs |
| Column National AssociationBank Salt Lake City, UT | 72 out of 100, Strong | $1.8B | 8.4% | 0.06% | vs |
| Transportation Alliance Bank, Inc. d/b/a TAB BankBank Ogden, UT | 60 out of 100, Moderate | $1.6B | 11.7% | 1.79% | vs |
| State Bank of Southern UtahBank Cedar City, UT | 79 out of 100, Strong | $2.7B | 12.0% | 0.47% | vs |
| Quill BankBank Provo, UT | 68 out of 100, Moderate | $1.6B | 14.4% | 2.54% | vs |
| Medallion BankBank Salt Lake City, UT | 88 out of 100, Very strong | $2.8B | 16.9% | 0.45% | vs |
Deposit insurance
Is my money safe at Central Bank?
Yes. Central Bank is an FDIC-insured institution (FDIC certificate #9204). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.9% of deposits ($710.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
13 locations
Branches
Central Bank lists 13 offices in 10 cities. Most locations:
- Provo, UT (3)
- Lehi, UT (2)
- American Fork, UT (1)
- Mapleton, UT (1)
- Nephi, UT (1)
- Orem, UT (1)
- Payson, UT (1)
- Pleasant Grove, UT (1)
- Saratoga Springs, UT (1)
- Spanish Fork, UT (1)
HMDA 2025
Mortgage lending
In 2025, Central Bank reported 169 home-loan applications under HMDA (LEI 254900TG3REX549BAZ53): 141 originated ($84,515,000 total), 5 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Central Bank
- Former names
- Springville Banking Company; Central Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 9204
- RSSD ID
- 622774
- Primary regulator
- FDIC
- Holding company
- Central Bcorp
- Established
- October 17, 1891
- Headquarters
- 75 N University Ave, Provo, UT 84601
- Website
- www.cbutah.com
- Employees
- 301
Quick answers
Central Bank: common questions
Is Central Bank FDIC insured?
Yes. Central Bank is an FDIC-insured institution (FDIC certificate #9204). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Central Bank's TellerScore?
89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Central Bank ever failed?
There is no failure record for FDIC certificate #9204 in the FDIC failed bank list.
How many branches does Central Bank have?
13 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Provo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Optum Bank, Inc.Bank Draper, UT | 93 out of 100, Very strong | $21.4B | 13.2% | 0.21% | vs |
| Orem City Employees Federal Credit UnionCredit union Orem, UT | 82 out of 100, Strong | $2.7M | 14.3% | 0.13% | vs |
| Grand Valley BankBank Heber City, UT | 82 out of 100, Strong | $599.4M | 11.5% | 0.02% | vs |
| Goldenwest Federal Credit UnionCredit union Ogden, UT | 81 out of 100, Strong | $4.3B | 13.2% | 0.47% | vs |
| Happen Bank, National AssociationBank Lehi, UT | 79 out of 100, Strong | $12.5B | 11.0% | 0.82% | vs |
| Brighton BankBank Salt Lake City, UT | 78 out of 100, Strong | $321.6M | 11.7% | 0.49% | vs |