CELTIC BANK CORPORATION

SALT LAKE CITY, UT | Large | Est. March 1, 2001, midnight | FDIC #57056 | RSSD #2998576 | FDIC
Latest Report: 2025-12-31

CELTIC BANK CORPORATION is aln large FDIC-insured commercial bank headquartered in SALT LAKE CITY, UT, established in March 1, 2001, midnight. As of 2025-12-31, the bank reported total assets of $4.8B and total deposits of $3.4B. Profitability stands at 4.45% ROA and 25.17% ROE, with a net interest margin of 6.97%. The bank's CET1 capital ratio is 17.23%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.77% and a Texas Ratio of 12.23%. FDIC Certificate #57056.

Assets

$4.8B

Deposits

$3.4B

Loans

$4.0B

Equity

$850M

Profitability

Return on Assets (ROA) 4.45%
Return on Equity (ROE) 25.17%
Net Interest Margin (NIM) 6.97%
Yield on Assets 10.16%
Cost of Funds 3.57%

Asset Quality

NPL Ratio 2.77%
Net Charge-Off Ratio 0.64%
Texas Ratio 12.23%
NPA Ratio 2.32%
ACL / Loans 1.43%

Capital & Liquidity

CET1 Ratio 17.23%
Tier 1 Capital 17.23%
Total Capital Ratio 18.09%
Leverage Ratio 18.20%
Loan-to-Deposit 115.91%

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