BlastPoint's Banking Scorecard

Central Bank

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

Designations: ✓ Community bank

Provo, UT

12 branches across UT

884 banks in the $1B-$10B peer group nationally 16 in UT

Central Bank has 4 strengths but faces 1 concern

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

+ Deposit Franchise: Top 29.1% in tier
+ Profitability Leader: Top 44.8% in tier
+ Efficiency Ratio 12.96% below tier average
+ Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 10.7% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$2.1B +6.2% YoY +4.8% QoQ	-$666.6M	$2.8B -0.1% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	54%
Total Loans ?	$1.3B +3.8% YoY +0.5% QoQ	-$634.1M	$2.0B +0.6% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	49%
Total Deposits ?	$1.8B +8.9% YoY +5.4% QoQ	-$570.0M	$2.3B -0.3% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	53%
Return on Assets ?	1.95% +15.2% YoY +9.5% QoQ	+0.58%	1.37% +19.6% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	Top 11.3% in tier
Net Interest Margin ?	4.97% +4.8% YoY -0.9% QoQ	+1.16%	3.82% +6.9% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	Top 5.3% in tier
Efficiency Ratio ?	48.10% -7.5% YoY -4.7% QoQ	-12.96%	61.06% -4.6% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	83%
Delinquency Rate ?	0.69% +9.4% YoY +0.4% QoQ	-0.20%	0.89% +14.1% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	41%
Loan-to-Deposit Ratio ?	75.04% -4.8% YoY -4.6% QoQ	-9.16%	84.20% +0.3% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	76%
Non-Interest-Bearing Deposit Share ?	31.86% -3.0% YoY +4.3% QoQ	+10.57%	21.29% -2.5% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	Top 12.7% in tier
Nonperforming Asset Ratio ?	0.49% +13.7% YoY +1.0% QoQ	-0.18%	0.67% +15.6% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	15.18% +5.7% YoY +1.0% QoQ	+0.02%	15.16% +2.0% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.14% +9.8% YoY -73.9% QoQ	-0.12%	0.26% +1.6% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	48%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Deposit Franchise

growth

#26 of 86 • Top 29.1% 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: 31.86%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.97%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Profitability Leader

growth

#100 of 221 • Top 44.8% in tier

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

Why this signature

Return on Assets: 1.95%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Credit Risk Growth

risk

#46 of 420 • Bottom 10.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 4.97%

Peer Median: 3.82%

#48 of 884 Top 5.3% in $1B-$10B

101

Return on Assets

profitability

Value: 1.95%

Peer Median: 1.37%

#101 of 884 Top 11.3% in $1B-$10B

113

Non-Interest-Bearing Deposit Share

funding

Value: 31.86%

Peer Median: 21.29%

#113 of 884 Top 12.7% in $1B-$10B

152

Efficiency Ratio

profitability

Value: 48.10%

Peer Median: 61.06%

#152 of 884 Top 17.1% in $1B-$10B

215

Loan-to-Deposit Ratio

liquidity

Value: 75.04%

Peer Median: 84.20%

#215 of 884 Top 24.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available