Central Bank is a bank based in Provo, Utah, established in 1891, with $2.1 billion in total assets across 12 branches. By Trust Grade it ranks 23rd of 42 banks we track in Utah. Its capital ratio of 14.5% is stronger than 92% of similarly sized banks, versus a Utah median of 12.9%. It was profitable over the most recent period, with a 1.95% return on assets. No consumer complaints against Central Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Central Bank compares to Utah peers
How we graded Central Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (14.5% capital ratio)
- Strongly profitable (ROA 1.95%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Central Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (12)
- 75 N University Ave, Provo, UT 84601
- 1 N Main St, Spanish Fork, UT 84660
- 1300 N State St, Provo, UT 84604
- 385 N Main St, Mapleton, UT 84664
- 182 N Main St, Payson, UT 84651
- 415 N State St, Orem, UT 84057
- 175 E Main St, American Fork, UT 84003
- 475 E Main St, Lehi, UT 84043
- 801 S Pleasant Grove Blvd, Pleasant Grove, UT 84062
- 75 N University Ave, Provo, UT 84601
- 525 W Sunrise Way, Lehi, UT 84043
- 207 E. Thrive Drive, Saratoga Springs, UT 84045
Are deposits at Central Bank insured?
Yes. Central Bank is an FDIC-insured bank (FDIC certificate #9204). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Central Bank: frequently asked questions
Is Central Bank a good bank?
Central Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (14.5% capital ratio); Strongly profitable (ROA 1.95%).
Is Central Bank FDIC-insured?
Yes. Central Bank is a FDIC-insured bank (FDIC certificate #9204). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Central Bank?
Central Bank holds $2.1 billion in total assets, ranking 23rd of 42 banks we track in Utah. It operates 12 branches.
Does Central Bank have CFPB complaints?
No CFPB complaints against Central Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
