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BlastPoint's Banking Scorecard

Central Bank

$1B-$10B Specialty: Commercial UT FDIC cert 9204

Designations: ✓ Community bank

Provo, UT

13 branches across UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in UT.
  • Deposits +7.9% year over year ($1.8B on the books).
  • Delinquency rate 0.49%.
  • Return on assets 2.06%.
  • Efficiency ratio 48.19% vs a 59.73% peer average.
  • Loan-to-deposit ratio 74.29% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in UT
View $1B-$10B leaderboard (UT) →

Central Bank shows strong momentum with 4 strengths and 5.8% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 29.3% in tier
  • + Deposit Franchise: Top 38.8% in tier
  • + Efficiency Ratio 11.54% below tier average
  • + Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Central Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Total Assets ? $2.2B
+5.8% YoY +0.7% QoQ
-$628.7M $2.8B
-0.6% YoY
$31.1B
+21.2% YoY
$6.3B
+7.7% YoY
54%
Total Loans ? $1.3B
+0.5% YoY -0.7% QoQ
-$642.2M $2.0B
-0.3% YoY
$18.5B
+10.6% YoY
$3.2B
+9.4% YoY
48%
Total Deposits ? $1.8B
+7.9% YoY +0.3% QoQ
-$540.7M $2.3B
-0.5% YoY
$23.9B
+15.2% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? 2.06%
+20.9% YoY +5.6% QoQ
+0.67% 1.39%
+17.0% YoY
2.15%
+9.7% YoY
1.30%
+12.1% YoY
Top 10.2% in tier
Net Interest Margin ? 4.94%
+1.7% YoY -0.6% QoQ
+1.07% 3.87%
+6.2% YoY
7.81%
+8.6% YoY
3.95%
+4.9% YoY
Top 6.0% in tier
Efficiency Ratio ? 48.19%
-5.8% YoY +0.2% QoQ
-11.54% 59.73%
-12.6% YoY
105.46%
+37.7% YoY
70.05%
+2.5% YoY
81%
Delinquency Rate ? 0.49%
-38.8% YoY -29.5% QoQ
-0.38% 0.87%
+11.7% YoY
1.38%
+2.5% YoY
0.98%
+16.3% YoY
53%
Loan-to-Deposit Ratio ? 74.29%
-6.8% YoY -1.0% QoQ
-10.74% 85.04%
-0.1% YoY
83.52%
+2.9% YoY
79.03%
+2.3% YoY
78%
Non-Interest-Bearing Deposit Share ? 31.33%
-3.7% YoY -1.7% QoQ
+10.05% 21.27%
-1.5% YoY
17.78%
-2.6% YoY
21.98%
-0.6% YoY
Top 12.7% in tier
Nonperforming Asset Ratio ? 0.39%
-28.3% YoY -20.8% QoQ
-0.29% 0.67%
+11.7% YoY
0.92%
+4.0% YoY
0.69%
+15.8% YoY
53%
Tier 1 Capital Ratio ? 15.42%
+5.3% YoY +1.6% QoQ
+0.58% 14.84%
-0.4% YoY
21.39%
+2.0% YoY
17.09%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.30%
+20.9% YoY +119.0% QoQ
-0.22% 0.53%
+2.5% YoY
2.21%
+5.7% YoY
0.66%
+5.2% YoY
52%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Noninterest-Bearing 31.3%
-1.2pp YoY
-0.5pp QoQ
 +10.0pp 21.4% 20.1% 22.2% 87%
Brokered Deposits n/a n/a 9.5% 28.6% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
C&I 8.0%
-0.7pp YoY
0.0pp QoQ
 -6.0pp 14.0% 25.0% 12.5% 34%
CRE 72.9%
-2.5pp YoY
-0.8pp QoQ
 +22.9pp 50.0% 44.1% 41.4% 91%
1-4 Family 21.1%
+3.6pp YoY
+0.8pp QoQ
 -5.3pp 26.4% 13.8% 31.3% 44%
Consumer 1.0%
-0.1pp YoY
0.0pp QoQ
 -3.7pp 4.7% 45.8% 5.0% 45%

Capital

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 25.0% 19.7% n/a
Leverage Ratio 15.4%
+0.8pp YoY
+0.2pp QoQ
 +4.1pp 11.3% 15.7% 12.6% 93%
Total Capital Ratio n/a n/a 16.7% 26.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Full-Time Employees 301
+7 (+2.4%) YoY
+11 (+3.8%) QoQ
 -13 313 1,029 482 65%
Assets per Employee ($) $7.2M
+3.4% YoY
-3.0% QoQ
 -$3.3M $10.5M $39.6M $8.8M 26%
Branch Count 13
+1 (+8.3%) YoY
+1 (+8.3%) QoQ
 -7 20 13 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.4pp YoY
-0.3pp QoQ
 0.0pp 0.2% 0.6% 0.4% 83%
Nonaccrual 0.3%
+0.1pp YoY
+0.1pp QoQ
 -0.5pp 0.8% 1.2% 1.0% 34%
Allowance Coverage 6.82x
+71.8% YoY
+45.4% QoQ
 -11.89x 18.71x 7.86x 20.23x 82%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.1pp QoQ
 -0.1pp 0.3% 3.6% 0.2% 75%

Profitability

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
ROE 13.9%
+1.4pp YoY
+0.7pp QoQ
 +1.3pp 12.6% 15.9% 11.6% 66%
Cost of Funds (YTD) 1.7%
0.0pp YoY
+0.1pp QoQ
 -0.2pp 1.9% 2.3% 1.7% 40%
Net Income ($, YTD) $21.8M
+26.6% YoY
— QoQ
 +$2.6M $19.2M $307.8M $40.4M 73%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#66 of 222 • Top 29.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.06%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#32 of 80 • Top 38.8% in tier

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: 31.33%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.94%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

54
Net Interest Margin
profitability
Value: 4.94%
Peer Median: 3.87%
#54 of 885 Top 6.0% in $1B-$10B
91
Return on Assets
profitability
Value: 2.06%
Peer Median: 1.39%
#91 of 885 Top 10.2% in $1B-$10B
113
Non-Interest-Bearing Deposit Share
funding
Value: 31.33%
Peer Median: 21.27%
#113 of 885 Top 12.7% in $1B-$10B
165
Efficiency Ratio
profitability
Value: 48.19%
Peer Median: 59.73%
#165 of 885 Top 18.5% in $1B-$10B
198
Loan-to-Deposit Ratio
liquidity
Value: 74.29%
Peer Median: 85.04%
#198 of 885 Top 22.3% in $1B-$10B
206
Tier 1 Capital Ratio
capital
Value: 15.42%
Peer Median: 14.84%
#206 of 885 Top 23.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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