# CENTRAL BANK
PROVO, UT · FDIC certificate 9204 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.16B | |
| Deposits | $1.78B | |
| Loans and leases | $1.36B | |
| Total equity | $320.0M | |
| Loans / deposits | 74.29% (p23 of band) | 87.10% |
| Liquid assets / assets | 35.31% (p84 of band) | |
| Uninsured deposits / deposits | 39.93% (p73 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.20% (p31 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.42% (p93 of band) | 10.50% |
| Unrealized securities loss / equity | -8.55% (p46 of band) | -7.75% |
| AOCI / equity | -1.04% (p17 of band) | |
| ROA (annualized) | 2.06% (p90 of band) | 1.26% |
| Net interest margin | 4.94% (p94 of band) | 3.70% |
| Efficiency ratio | 48.19% (p19 of band) | |
| Noncurrent loans | 0.47% (p47 of band) | 0.51% |
| Net charge-offs (annualized) | 0.09% (p74 of band) | |
| Reserve coverage of noncurrent | 681.52% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 106.70% (p90 of band) | |
| Auto loans | $5.9M (0.43% of loans; DQ 1.42%, NCO 0.00%) | |
| Loans to nondepository financials | $120,000 (0% of equity) (p71 of band) | |
| Deposits YoY | 7.9% | |
| Employees | 301 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | reserve under noncurrent |  |
| 2014-09 | 3 | noncurrent p90 |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 | charge-offs p90 | noncurrent p90 |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | reserve under noncurrent |
| 2015-12 | 4 | capital falling, noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2016-03 | 4 | charge-offs p90 | capital falling |
| 2016-06 | 2 |  | reserve under noncurrent, charge-offs p90 |
| 2016-09 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2016-12 | 3 |  |  |
| 2017-03 | 1 |  | capital falling, charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | charge-offs p90 |  |
| 2021-06 | 2 |  | charge-offs p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | deposits shrinking |  |
| 2023-03 | 3 | uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 4 | securities losses >30% of equity |  |
| 2023-09 | 5 | assets shrinking |  |
| 2023-12 | 2 |  | uninsured deposits leaving, securities losses >30% of equity, assets shrinking |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-22 [Central Bank opens new Nephi office, expands service into Juab County - heraldextra.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNcVdWeDdBcHd2VUlackNFOWU1UHJWRWdLSHBrTEVKMTIydjkyVVJBSW9mMGNxaEZfRUFaRGVBSE91M3p4MlcwMUM4M01pU1N5dnROYnA0STFnaDBmOGM5eVBwRGhnWk9TR3ZFU0E5NUxzT3huN0JtYzJqa0tvUEwtWVhLdUtlQmE3bHVtUEdOLU9BWDNCUHl5N2ZpcXpjRlhUWm96d1dZdUtjcGhTQzZ0U0kyblViNlMtVmJ6a1MtTHEzdw?oc=5) · heraldextra.com
- 2022-02-07 [Federal Reserve Bank of San Francisco Announces Appointment of Mark W. Packard to the Salt Lake City Branch Board of Directors - San Francisco Fed - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOZWlVdFNPcUVQMWJTZldZU3VFTUVObHlEbXZucWtiOXdWRzlTWF9yb1ZfaVQxQ2IxczdXUWhXWFBja0hreFpZb0QtRlZpdzhOZzdtVEE0U1dQSE1lOGFWdGs2WEtVYkJvMUlobmRvekNHcUNGaWNiWHcyNGdQNGZ5LThCeDNsMHRPV3BqQktCc1l3a3U3MGlHTmY0Z0RqNGN3VG5pVEVYWGRBWlpablRUN1ZsTHBjWlMyV0pSNGlXcWNIU253aWl1Mmg1bVBValZZaWFtVlRrZS0?oc=5) · Federal Reserve Bank of San Francisco
- 2020-12-29 [Springville police detectives investigate Central Bank robbery - Gephardt Daily](https://news.google.com/rss/articles/CBMimwFBVV95cUxQUkpaSnlBT1RFX0lGSFpEZW50Wmp5OVU2bVk0RXVyVE1xZUtnTU1pc0FhdzRSYVdXSTVOcUtWT2JvU252STNUMXR0NllYejdMWTBxSlZ1RDFJc01rdUxXUzJPVWxMLVZGR01MbVN1Q2dGeDU4MDJzTGp6VWwxVE0zQkgzYmtvREhBWFcyUHZmZ05RZ1RxZTFHUHh5NA?oc=5) · Gephardt Daily
- 2017-08-14 [Ghana Commercial Bank Takes Over Capital-Strapped Lenders - Bloomberg.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxQcU51UHJTWUs0TTZjUV9UU3NvX1FkSVc1aGN0OEFQQ0xuM1R3R1VqX0ZTZFk4WXRNbU9hS21xcW5FODV0ZHlNWnRDRTN6OGVTbDVjVFN3SWpydld3V2ZIQ05WMmp6VUpMMjdkYkVYaFB5Ymk2Y19uTlNLNTR4ZUd6TVZOckRaYm9kUVFSMlZqWXhtS0NvM1lnckJwSDEyTkZOU3ZyZ1A5Q0t2Ym9tbnNoZUZB?oc=5) · Bloomberg.com
- 2025-03-28 [Central Bank to rebuild its historic 1892 bank building in Downtown Springville - Utah Business](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQdmtFMzl5WmxVQXNVbVQyTUhZcHRnU3NYTjhXWVlsNnhBUFI5bnFaaGpxVzM2M2tXakcyWUUxNzhDWVdwRjhBZXFzb2JUMG9fX0x1b3BST3lMVGlJZHh5cWRPOS16TURTOTRSbFRuNmVVOWJzY0t0WDFBRFlBMzA1em4xeWxxM3diVjRxdDV1UUowTDZWenROVk94aHliR1QzTWR3VzFzN29YSzg?oc=5) · Utah Business
- 2022-07-12 [European Central Bank head targeted in hacking attempt - ABC4 Utah](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNTkp3NlZpMXJlVVEySldCR2tpNTJKdjBoRzNKNzZJamg2SEZCNm54eGJ4ZnQ1aHZPR3Q1Mlg2RGtKMWdWU0VRUzN2NGxvRXBsYjJuU1ZscE12a3N6Q2psa1JBdENtbkQwTDRmVWc4RnNxZVJCMkdXWmlBQmN0LTRWTXZCLThJQ0JNQ1RTNk44X2lmNi13NXMteWlmZGl5WEFLSDF4SGIyTDBtd9IBrwFBVV95cUxQc0dzb1RnVnBJdnc3dlFOZXZIRUtldV9vSkNzalZrSTBTYTg3c3NnbW95a2c1QzlhWlVwZzNGZGlkU1dRSkpCbURVUUw4UEYyWThCMFFwZDh5R1Y3T0I4RTA4ZnNsdDFlMEtTX2dCQm9OWmNOa3JTT2pZc0Fhd2dlLVliWnZOaC1jaTVva0I1NmdWRnEyM3NnbV9VRFctaVNwRXU5WVoyMFM0YmljR1lV?oc=5) · ABC4 Utah
- 2022-04-18 [Peterson named new Office Manager, VP of Central Bank in Lehi - Lehi Free Press](https://news.google.com/rss/articles/CBMinwFBVV95cUxQREZ0V1ZDU2ZMbTBLdEpDTjFvbzk0NElrTnpyWktEemo4MkRXSElLSW4wMEI2RTh2RWNwckZGZ0R3QmNpekVEbjlUbWRwN0xMcTI3UjB0MVlpQjdVM0RVeVpIcER6V0RIdHZFbUdnYWpXUXFDc0xzOGJENTYtaElOd0hkMnFPUU9fUFRWazdoTTF4OEg5Y3VBTFJVMFhEVlk?oc=5) · Lehi Free Press
- 2025-03-26 [Springville Central Bank announces historical revitalization project to recreate original architecture - KSL.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNUmRac3VYc1FoVnVXZEpDMjZ2UENaTVNkVmdhRVpxYmR5Ui1KZXFhaFVEY2RhTW9HN2ZYQWNhelhXUF9pcUxLc1NQZGkzN0RpVklyZWFDOVJoRExJbDRIWGZPRWk2emRyVDVkNm5ZaXFoVUllQk9Ja184NmRZdTlSRW5ERjNFaEEwLXJUX2JFdUx4enh2akVONVdGX2NjTi13OXJIbFA4ZVVwclNYMkdEdGhfdkRJR2pCSTRubkZnWXQwTEZ2TllSTWFQa0h2ZmVEblljVFk5QUt3Z0o4MUlWMVU5bw?oc=5) · KSL.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9204 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/52.json (key "9204", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide