Bank · FDIC insured
Central Bank Utah
Top CarrotA $2.2B bank headquartered in Provo, UT, with 13 branches in Utah. Best rates: CDs 4.22% and savings 1.36% APY.
Central Bank Utah Carrot Score
Carrot ScoreTop Carrot
Higher than 88% of U.S. banks and credit unions
#6 of 25 in Provo, UT metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Central Bank Utah
Originating with the founding of Springville Banking Company in 1891 and State Bank of Provo in 1902, Central Bank formed when the two institutions merged in 1966.
Central Bank serves Utah County and is an SBA Preferred Lender.
- Headquarters
- 75 N University Ave, Provo, UT 84601
- FDIC certificate
- 9204 ↗
Branches
13 branches in Utah
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Utah
13 branches
- Central BankMain office75 N University Ave, Provo, UT 84601Directions
- American Fork Branch175 E Main St, American Fork, UT 84003Directions
- Lehi Office475 E Main St, Lehi, UT 84043Directions
- Traverse Mountain525 W Sunrise Way, Lehi, UT 84043Directions
- Mapleton Branch385 N Main St, Mapleton, UT 84664Directions
- Nephi Branch1508 S Main St, Nephi, UT 84648Directions
- Orem Branch415 N State St, Orem, UT 84057Directions
- Payson Branch182 N Main St, Payson, UT 84651Directions
- Pleasant Grove Branch801 S Pleasant Grove Blvd, Pleasant Grove, UT 84062Directions
- Provo Branch75 N University Ave, Provo, UT 84601Directions
- Riverside Plaza Branch1300 N State St, Provo, UT 84604Directions
- Saratoga Springs Branch207 E. Thrive Drive, Saratoga Springs, UT 84045Directions
- Spanish Fork Branch1 N Main St, Spanish Fork, UT 84660Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.42% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.47% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 2.06% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $77 | $88 | — |
- CapitalLeverage ratio15.42%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.47%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets2.06%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$77Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Central Bank Utah are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.