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Celtic Bank
Salt Lake City, UT · FDIC Certificate #57056 · Chartered 03/0
Total assets
$5.33B
Total deposits
$3.90B
Total equity
$928.28M
Net loans
$4.50B
Branches (offices)
1
Net income (YTD)
$85.82M
Rank: #277 of 4,213 U.S. banks by assets · #16 of 44 in Utah. Assets changed 25.1% and deposits 37.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 3.41% |
| Return on equity | 19.32% |
| Net interest margin (YTD) | 6.05% |
| Equity to assets | 17.40% |
| Tier 1 leverage ratio | 18.04% |
| Uninsured deposits (share of deposits) | 9.1% |
| Noncurrent loans (share of loans) | 3.63% |
| Net charge-offs (share of loans) | 0.49% |
| Loans to deposits | 115.4% |
| Real estate loans (share of loans) | 43.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.98B | 43.9% | |
| Commercial & industrial | $2.15B | 47.8% | |
| Consumer / individual | $466.03M | 10.4% | |
| Construction & development | $87.61M | 1.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.82B | $1.07B | $35.32M | $389.25M |
| Jun 2023 | $2.52B | $1.84B | $61.87M | $485.16M |
| Jun 2024 | $3.38B | $2.27B | $77.66M | $618.45M |
| Jun 2025 | $4.26B | $2.85B | $81.22M | $763.50M |
| Jun 2026 | $5.33B | $3.90B | $85.82M | $928.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Utah | $3.90B | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.90B.
Similar-sized banks
Morton Community Bank ($5.35B) · Interbank ($5.33B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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