Central Bank

Provo, UtahFDIC Cert #9204

STATEEstablished 189112 branches

Holding company: CENTRAL BCORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$335M
Investor CRE	$218M
Multifamily	$50.3M
Construction	$378M
1–4 family	$270M
C&I	$106M
Agriculture	$2.48M
Other	$13.6M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$1.37B

+3.9%y/y

Percentile by value70th percentileby value

FDICLNLSGR

Net loans

$1.33B

+3.8%y/y

Percentile by value69th percentileby value

FDICLNLSNET

Loans YoY

+3.76%

−69.2%y/y

Percentile by value36th percentileby value

FDICLNLSNET

L/D

75.0%

−4.8%y/y

Percentile by value27th percentileby value

FDICLNLSNET + DEP

Loans/assets

61.9%

−2.3%y/y

Percentile by value21st percentileby value

FDICLNLSNET + ASSET

RE loans %

100.62%

+2.6%y/y

Percentile by value96th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,151points

+5.3%y/y

Peer standing41st percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

24.39%

+0.5%y/y

Percentile by value91st percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

15.88%

−10.2%y/y

Percentile by value36th percentileby value

FDICLNRENROT + LNLSGR

C&I %

7.75%

−8.3%y/y

Percentile by value30th percentileby value

FDICLNCI + LNLSGR