Celtic Bank Corporation: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans to total assets: 2.56 percentage points higher than in Q1 2026, at 85.78%. Among 44 Utah banks, Celtic Bank Corporation sits 3rd from the top on loan-to-deposit ratio, 117.30% as of Q2 2026. Celtic Bank Corporation reported 117.30% on loan-to-deposit ratio for Q2 2026, 29.10 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.58B |
| Net loans and leases | $4.50B |
| Loans held for sale | $487.2M |
| Loans to total assets | 85.78% |
| Loan-to-deposit ratio | 117.30% |
| Net loans to equity capital | 4.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.13% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 46.80% |
| Consumer | 10.15% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 10.13% |
| Construction concentration (Tier 1 capital + allowance) | 8.77% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 9.71% |
| Interest income on loans | $101.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.97B | $1.84B | 38.90% | 49.64% | 8.63% |
| Q4 2023 | $2.15B | $2.16B | 38.09% | 50.74% | 7.90% |
| Q1 2024 | $2.27B | $2.16B | 38.78% | 49.24% | 8.43% |
| Q2 2024 | $2.47B | $2.27B | 38.98% | 48.47% | 8.97% |
| Q3 2024 | $2.60B | $2.40B | 41.99% | 47.97% | 7.20% |
| Q4 2024 | $2.87B | $2.74B | 42.82% | 43.90% | 10.30% |
| Q1 2025 | $3.01B | $2.74B | 45.25% | 43.31% | 8.13% |
| Q2 2025 | $3.32B | $2.85B | 44.40% | 44.67% | 8.74% |
| Q3 2025 | $3.72B | $3.28B | 43.47% | 44.42% | 10.02% |
| Q4 2025 | $3.99B | $3.44B | 42.80% | 44.89% | 10.27% |
| Q1 2026 | $4.13B | $3.56B | 43.07% | 45.74% | 9.05% |
| Q2 2026 | $4.58B | $3.90B | 41.13% | 46.80% | 10.15% |
Celtic Bank Corporation loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Celtic Bank Corporation, freeSource: Call Report Schedule RC-C, 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)