Central Bank
Provo, UT
IDRSSD: 622774
Total Assets
$2.06B
Latest filing
Total Deposits
$1.70B
Latest filing
Net Interest Margin
5.10%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Central Bank
75 N University Ave
Provo, UT 84601
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/17/1891FDIC Certificate 5893
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Central Bank (Main) | 75 N University Ave | Provo, UT |
| PROVO BRANCH | 75 N University Ave | Provo, UT |
| SPANISH FORK BRANCH | 1 N Main St | Spanish Fork, UT |
| RIVERSIDE PLAZA BRANCH | 1300 N State St | Provo, UT |
| MAPLETON BRANCH | 385 N Main St | Mapleton, UT |
| PAYSON BRANCH | 182 N Main St | Payson, UT |
| OREM BRANCH | 415 N State St | Orem, UT |
| AMERICAN FORK BRANCH | 175 E Main St | American Fork, UT |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/17/1891 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 84601 |
| State and County Number | 49049 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Provo-Orem, UT |
Operational Info
| Number of Employees | 294 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cbutah.com |
| Data Updated | 11/14/2025 |
| CERT | 9204 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.06B |
| Total Deposits | $1.70B |
| Total Liabilities | $1.76B |
| Total Equity Capital | $298.35M |
| Net Income | $9.05M |
| Net Loans and Leases | $1.36B |
| Assets Per Employee ($Millions) | $6.98M |
| Bank Premises and Fixed Assets | $33.98M |
| Cash and Balances due from Depository Institutions | $25.79M |
| Deposits Held in Domestic Offices | $1.70B |
Key Performance Ratios
| Return on Assets (ROA) | 1.76% |
| Return on Equity (ROE) | 12.41% |
| Net Interest Margin | 5.1% |
| Efficiency Ratio | 47.55% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.39% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.486% |
| Earning Assets to total Assets | 95.34% |
Income and Expense
| Total Interest Income | $33.39M |
| Total Noninterest Income | $2.33M |
| Total Interest Expense | $8.48M |
| Total Noninterest Expense | $13.22M |
| Net Interest Income | $24.91M |
| Pre-tax Net Operating Income | $12.00M |
| Provision for Credit Losses | $2.02M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $640.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $51.50M |
| Federal Funds Purchased and Repurchased Agreement | $43.08M |
| All Other Liabilities | $19.27M |
| Total Liabilities and Capital | $2.06B |
Securities
| Securities | $551.72M |
| Available-for-sale debt securities | $548.73M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Central Bank?
$2.06B as of the latest filing.
How much are Central Bank's total deposits?
$1.70B in total deposits.
Where is Central Bank located?
Provo, UT.
What is the Net Interest Margin?
5.10%.
How many domestic offices does it operate?
12.
When was it established?
10/17/1891.
What is the Return on Assets (ROA)?
1.76%.
How much are total loans and leases?
$1.36B (latest filing).
What is the total interest income (latest filing)?
$33.39M.