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Celtic Bank

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

Salt Lake City, UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in UT.
  • Deposits +37.0% year over year ($3.9B on the books).
  • Delinquency rate 3.69%.
  • Return on assets 3.41%.
  • Efficiency ratio 33.21% vs a 59.73% peer average.
  • Loan-to-deposit ratio 115.37% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in UT
View $1B-$10B leaderboard (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 5.9% in tier
  • + Return on Assets 2.02% above tier average
  • + Net Interest Margin 2.18% above tier average
  • + Efficiency Ratio 26.52% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 12.2% in tier
  • - Delinquency Rate 2.83% above tier average
  • - Non-Interest-Bearing Deposit Share 13.48% below tier average
  • - Nonperforming Asset Ratio 2.45% above tier average
Get updates when Celtic Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Total Assets ? $5.3B
+25.1% YoY +7.4% QoQ
+$2.5B $2.8B
-0.6% YoY
$31.1B
+21.2% YoY
$6.3B
+7.7% YoY
Top 13.1% in tier
Total Loans ? $4.5B
+37.7% YoY +10.6% QoQ
+$2.5B $2.0B
-0.3% YoY
$18.5B
+10.6% YoY
$3.2B
+9.4% YoY
Top 8.8% in tier
Total Deposits ? $3.9B
+37.0% YoY +9.6% QoQ
+$1.6B $2.3B
-0.5% YoY
$23.9B
+15.2% YoY
$4.9B
+7.3% YoY
85%
Return on Assets ? 3.41%
-15.6% YoY +3.7% QoQ
+2.02% 1.39%
+17.0% YoY
2.15%
+9.7% YoY
1.30%
+12.1% YoY
Top 1.7% in tier
Net Interest Margin ? 6.05%
-7.3% YoY -1.9% QoQ
+2.18% 3.87%
+6.2% YoY
7.81%
+8.6% YoY
3.95%
+4.9% YoY
Top 2.5% in tier
Efficiency Ratio ? 33.21%
-2.1% YoY +1.8% QoQ
-26.52% 59.73%
-12.6% YoY
105.46%
+37.7% YoY
70.05%
+2.5% YoY
Top 3.3% in tier
Delinquency Rate ? 3.69%
+33.0% YoY +17.5% QoQ
+2.83% 0.87%
+11.7% YoY
1.38%
+2.5% YoY
0.98%
+16.3% YoY
Bottom 2.6% in tier
Loan-to-Deposit Ratio ? 115.37%
+0.5% YoY +1.0% QoQ
+30.34% 85.04%
-0.1% YoY
83.52%
+2.9% YoY
79.03%
+2.3% YoY
Bottom 3.3% in tier
Non-Interest-Bearing Deposit Share ? 7.80%
-0.8% YoY +16.7% QoQ
-13.48% 21.27%
-1.5% YoY
17.78%
-2.6% YoY
21.98%
-0.6% YoY
Bottom 7.0% in tier
Nonperforming Asset Ratio ? 3.13%
+46.2% YoY +20.8% QoQ
+2.45% 0.67%
+11.7% YoY
0.92%
+4.0% YoY
0.69%
+15.8% YoY
Bottom 2.7% in tier
Tier 1 Capital Ratio ? 18.04%
-4.3% YoY -1.3% QoQ
+3.20% 14.84%
-0.4% YoY
21.39%
+2.0% YoY
17.09%
+0.8% YoY
Top 11.5% in tier
Non-Interest Income / Assets ? 1.24%
-4.2% YoY +109.2% QoQ
+0.71% 0.53%
+2.5% YoY
2.21%
+5.7% YoY
0.66%
+5.2% YoY
Top 4.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Noninterest-Bearing 7.8%
-0.1pp YoY
+1.1pp QoQ
 -13.6pp 21.4% 20.1% 22.2% 6%
Brokered Deposits 90.5%
+1.3pp YoY
-0.3pp QoQ
 +81.1pp 9.5% 28.6% 8.5% 99%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
C&I 47.8%
+2.2pp YoY
+1.2pp QoQ
 +33.8pp 14.0% 25.0% 12.5% 98%
CRE n/a n/a 50.0% 44.1% 41.4% n/a
1-4 Family 0.0%
0.0pp YoY
0.0pp QoQ
 -26.4pp 26.4% 13.8% 31.3% 0%
Consumer 10.4%
+1.4pp YoY
+1.1pp QoQ
 +5.6pp 4.7% 45.8% 5.0% 90%

Capital

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 25.0% 19.7% n/a
Leverage Ratio 18.0%
-0.8pp YoY
-0.2pp QoQ
 +6.7pp 11.3% 15.7% 12.6% 97%
Total Capital Ratio n/a n/a 16.7% 26.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Full-Time Employees 382
+21 (+5.8%) YoY
+7 (+1.9%) QoQ
 +68 313 1,029 482 76%
Assets per Employee ($) $14.0M
+18.3% YoY
+5.5% QoQ
 +$3.5M $10.5M $39.6M $8.8M 86%
Branch Count 1
0 YoY
0 QoQ
 -19 20 13 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.6% 0.4% n/a
Nonaccrual 3.7%
+0.9pp YoY
+0.5pp QoQ
 +2.9pp 0.8% 1.2% 1.0% 98%
Allowance Coverage 0.45x
-25.8% YoY
-9.2% QoQ
 -18.26x 18.71x 7.86x 20.23x 5%
Net Charge-off Rate (YTD) 0.5%
-0.1pp YoY
-0.3pp QoQ
 +0.2pp 0.3% 3.6% 0.2% 92%

Profitability

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
ROE 19.3%
-3.0pp YoY
+0.8pp QoQ
 +6.7pp 12.6% 15.9% 11.6% 89%
Cost of Funds (YTD) 3.0%
+0.1pp YoY
+0.1pp QoQ
 +1.1pp 1.9% 2.3% 1.7% 96%
Net Income ($, YTD) $85.8M
+5.7% YoY
— QoQ
 +$66.6M $19.2M $307.8M $40.4M 98%

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
#14 of 222 • Top 5.9% 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: 1.24%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 3.41%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Concerns (1)

Liquidity Overhang

risk
#22 of 172 • Bottom 12.2% 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: 18.04%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 115.37%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (8 metrics)

16
Return on Assets
profitability
Value: 3.41%
Peer Median: 1.39%
#16 of 885 Top 1.7% in $1B-$10B
23
Net Interest Margin
profitability
Value: 6.05%
Peer Median: 3.87%
#23 of 885 Top 2.5% in $1B-$10B
30
Efficiency Ratio
profitability
Value: 33.21%
Peer Median: 59.73%
#30 of 885 Top 3.3% in $1B-$10B
44
Non-Interest Income / Assets
revenue_mix
Value: 1.24%
Peer Median: 0.53%
#44 of 885 Top 4.9% in $1B-$10B
79
Total Loans
size
Value: $4.50B
Peer Median: $1.96B
#79 of 885 Top 8.8% in $1B-$10B
103
Tier 1 Capital Ratio
capital
Value: 18.04%
Peer Median: 14.84%
#103 of 885 Top 11.5% in $1B-$10B
117
Total Assets
size
Value: $5.33B
Peer Median: $2.79B
#117 of 885 Top 13.1% in $1B-$10B
135
Total Deposits
size
Value: $3.90B
Peer Median: $2.32B
#135 of 885 Top 15.1% in $1B-$10B

Top Weaknesses (4 metrics)

860
Delinquency Rate
credit_quality
Value: 3.69%
Peer Median: 0.87%
#860 of 882 Bottom 2.6% in $1B-$10B
862
Nonperforming Asset Ratio
credit_quality
Value: 3.13%
Peer Median: 0.67%
#862 of 885 Bottom 2.7% in $1B-$10B
857
Loan-to-Deposit Ratio
liquidity
Value: 115.37%
Peer Median: 85.04%
#857 of 885 Bottom 3.3% in $1B-$10B
824
Non-Interest-Bearing Deposit Share
funding
Value: 7.80%
Peer Median: 21.27%
#824 of 885 Bottom 7.0% in $1B-$10B
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