BlastPoint's Banking Scorecard

Celtic Bank

$1B-$10B Specialty: Commercial UT FDIC cert 57056

Salt Lake City, UT

884 banks in the $1B-$10B peer group nationally 16 in UT

Celtic Bank has 4 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 5.4% in tier
+ Return on Assets 1.93% above tier average
+ Net Interest Margin 2.35% above tier average
+ Efficiency Ratio 28.46% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 15.5% in tier
- Delinquency Rate 2.26% above tier average
- Non-Interest-Bearing Deposit Share 14.61% below tier average
- Nonperforming Asset Ratio 1.91% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$5.0B +24.0% YoY +3.6% QoQ	+$2.1B	$2.8B -0.1% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	Top 14.7% in tier
Total Loans ?	$4.1B +37.5% YoY +3.4% QoQ	+$2.1B	$2.0B +0.6% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	Top 11.7% in tier
Total Deposits ?	$3.6B +29.7% YoY +3.4% QoQ	+$1.2B	$2.3B -0.3% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	3.29% -18.8% YoY -20.1% QoQ	+1.93%	1.37% +19.6% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	Top 2.0% in tier
Net Interest Margin ?	6.17% -6.0% YoY -7.3% QoQ	+2.35%	3.82% +6.9% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	Top 2.1% in tier
Efficiency Ratio ?	32.60% -1.3% YoY +1.5% QoQ	-28.46%	61.06% -4.6% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	Top 3.3% in tier
Delinquency Rate ?	3.14% +18.6% YoY +12.0% QoQ	+2.26%	0.89% +14.1% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	Bottom 4.0% in tier
Loan-to-Deposit Ratio ?	114.28% +6.0% YoY +0.0% QoQ	+30.07%	84.20% +0.3% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	Bottom 3.3% in tier
Non-Interest-Bearing Deposit Share ?	6.68% -6.5% YoY -12.3% QoQ	-14.61%	21.29% -2.5% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	Bottom 6.4% in tier
Nonperforming Asset Ratio ?	2.59% +31.4% YoY +11.7% QoQ	+1.91%	0.67% +15.6% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	Bottom 3.6% in tier
Tier 1 Capital Ratio ?	18.27% -3.8% YoY +0.4% QoQ	+3.11%	15.16% +2.0% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	Top 10.9% in tier
Non-Interest Income / Assets ?	0.59% -12.5% YoY -75.9% QoQ	+0.33%	0.26% +1.6% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	Top 5.2% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#13 of 221 • Top 5.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.59%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 3.29%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Liquidity Overhang

risk

#28 of 174 • Bottom 15.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.27%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 114.28%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (8 metrics)

Return on Assets

profitability

Value: 3.29%

Peer Median: 1.37%

#19 of 884 Top 2.0% in $1B-$10B

Net Interest Margin

profitability

Value: 6.17%

Peer Median: 3.82%

#20 of 884 Top 2.1% in $1B-$10B

Efficiency Ratio

profitability

Value: 32.60%

Peer Median: 61.06%

#30 of 884 Top 3.3% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.59%

Peer Median: 0.26%

#47 of 884 Top 5.2% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 18.27%

Peer Median: 15.16%

#97 of 884 Top 10.9% in $1B-$10B

104

Total Loans

size

Value: $4.07B

Peer Median: $1.96B

#104 of 884 Top 11.7% in $1B-$10B

131

Total Assets

size

Value: $4.97B

Peer Median: $2.82B

#131 of 884 Top 14.7% in $1B-$10B

160

Total Deposits

size

Value: $3.56B

Peer Median: $2.34B

#160 of 884 Top 18.0% in $1B-$10B

Top Weaknesses (4 metrics)

856

Loan-to-Deposit Ratio

liquidity

Value: 114.28%

Peer Median: 84.20%

#856 of 884 Bottom 3.3% in $1B-$10B

853

Nonperforming Asset Ratio

credit_quality

Value: 2.59%

Peer Median: 0.67%

#853 of 884 Bottom 3.6% in $1B-$10B

846

Delinquency Rate

credit_quality

Value: 3.14%

Peer Median: 0.89%

#846 of 880 Bottom 4.0% in $1B-$10B

828

Non-Interest-Bearing Deposit Share

funding

Value: 6.68%

Peer Median: 21.29%

#828 of 884 Bottom 6.4% in $1B-$10B