Celtic Bank Corporation
Salt Lake City, UT · Cert 57056 · Peer group: banks $1B-$10B in assets (n=322-328)
State charter, non-member · FDIC · 1 branch
Q2 2026
$5.3BAssets
$4.6BLoans
$3.9BDeposits
$928.3MEquity
Executive Summary
- Strongest standing: return on assets outperforms 97% of banks $1B-$10B in assets (rank 9 of 328).
- Widest gap: nonperforming loans / loans trails 98% of banks $1B-$10B in assets (rank 315 of 322).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
3.22%
Rank 9 of 328
Net Interest Margin
5.69%
Rank 11 of 328
Efficiency Ratio
33.21%
Rank 12 of 328
Equity / Assets
17.40%
Rank 12 of 328
Non-interest income vs. expense
Unfavorable gap of $8.7M · efficiency ratio beats 97% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.22% | 0.91% | 1.22% | 1.52% | Beats 97% | 9 / 328 | |
| Return on Equity | 18.49% | 8.43% | 11.45% | 14.43% | Beats 92% | 26 / 328 | |
| Net Interest Margin | 5.69% | 3.03% | 3.45% | 3.83% | Beats 97% | 11 / 328 | |
| Efficiency Ratio | 33.21% | 51.61% | 59.56% | 67.53% | Beats 97% | 12 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.63% | 0.24% | 0.51% | 1.03% | Beats 2% | 315 / 322 | |
| Net Charge-Offs / Loans | 0.26% | 0.01% | 0.03% | 0.10% | Beats 11% | 286 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 18.04% | 11.75% | 13.15% | 15.47% | Beats 86% | 45 / 328 | |
| Total Risk-Based Capital Ratio | 18.04% | 12.63% | 14.15% | 16.46% | Beats 84% | 53 / 328 | |
| Equity / Assets | 17.40% | 9.15% | 10.33% | 12.01% | Beats 96% | 12 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 117.30% | 76.63% | 87.92% | 95.36% | 98th pctl | 8 / 323 | |
| Loans / Assets | 85.78% | 65.18% | 74.15% | 79.98% | 93rd pctl | 22 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |