Celtic Bank Corporation: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 41.2% lower than in Q1 2026, at $81.5M. On loan-to-deposit ratio, Celtic Bank Corporation ranks 3rd highest among the 44 banks headquartered in Utah, at 117.30% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Celtic Bank Corporation sits 29.10 points higher, at 117.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $225.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $614.3M |
| Fed funds sold and reverse repos | $81.5M |
| Fed funds sold and reverse repos to assets | 1.53% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $450.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.44% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 117.30% |
| Net loans and leases to deposits | 115.37% |
| Loans and leases to core deposits | 117.34% |
| Core deposits to total deposits | 9.45% |
| Brokered deposits to total deposits | 90.52% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 106.82% | 9.93% | $0 | $166.4M |
| Q4 2023 | 99.35% | 10.02% | $0 | $149.0M |
| Q1 2024 | 105.32% | 9.02% | $0 | $281.9M |
| Q2 2024 | 108.91% | 10.26% | $0 | $334.4M |
| Q3 2024 | 108.11% | 9.56% | $0 | $227.8M |
| Q4 2024 | 104.66% | 10.72% | $0 | $255.9M |
| Q1 2025 | 109.71% | 10.15% | $0 | $354.3M |
| Q2 2025 | 116.71% | 10.60% | $0 | $466.5M |
| Q3 2025 | 113.23% | 9.51% | $0 | $351.1M |
| Q4 2025 | 115.91% | 11.23% | $0 | $400.5M |
| Q1 2026 | 116.07% | 9.10% | $0 | $425.0M |
| Q2 2026 | 117.30% | 9.45% | $0 | $450.0M |
Celtic Bank Corporation liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Celtic Bank Corporation, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Celtic Bank Corporation profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57056) · FFIEC NIC profile (RSSD 2998576)