Celtic Bank Corporation: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Celtic Bank Corporation of Salt Lake City, UT against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.57% | 1.46% | +2.11% | 98th top |
| ROAE | 20.14% | 12.70% | +7.44% | 89th top |
| Net Interest Margin | 5.86% | 3.84% | +2.02% | 98th top |
| Efficiency Ratio | 33.76% | 57.45% | -23.69% | 96th top |
| PPNR / Avg Assets | 5.70% | 1.87% | +3.83% | 99th top |
| Yield on Earning Assets | 8.86% | 5.71% | +3.15% | 98th top |
| Cost of Funds | 3.42% | 2.01% | +1.41% | 3rd bottom |
| Net Interest Spread | 4.98% | 3.18% | +1.80% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.64% | 1.00% | +2.64% | 3rd bottom |
| NPA / Total Assets | 3.13% | 0.76% | +2.37% | 3rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.18% | 0.43% | -0.25% | 20th bottom |
| ACL / Total Loans | 1.64% | 1.31% | +0.33% | 91st top |
| ACL / NPLs (Coverage) | 45.15% | 544.41% | -499.26% | 7th bottom |
| Texas Ratio | 16.76% | 7.37% | +9.39% | 9th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 276.01% | 619.44% | -343.43% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.04% | 11.42% | +6.62% | 97th top |
| Equity / Assets | 17.40% | 11.32% | +6.08% | 97th top |
| TCE / Tangible Assets | 17.31% | 10.49% | +6.82% | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 117.30% | 86.89% | +30.41% | 3rd bottom |
| Core Deposit Ratio | 9.45% | 85.71% | -76.26% | 0th bottom |
| Uninsured Deposit Ratio | 9.11% | 33.17% | -24.06% | 97th top |
| Wholesale Funding Ratio | 8.44% | 5.70% | +2.74% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 25.14% | 9.65% | +15.49% | 93rd top |
| Loan Growth (Y/Y) | 37.65% | 7.99% | +29.66% | 96th top |
| Deposit Growth (Y/Y) | 36.96% | 7.81% | +29.15% | 96th top |
See Celtic Bank Corporation's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Celtic Bank Corporation, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Celtic Bank Corporation profile, how to read a UBPR, or how this data updates.