FDIC Cert #57056 · Salt Lake City, Utah · Est. 2001

Celtic Bank - FDIC Bank Health Profile

A community-scale look at Celtic Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$4.8B
Total assets
A
Health grade · Excellent
4.12%
Return on assets
18.2%
Tier 1 capital

Data updated July 2026

The verdict

Celtic Bank earns a PlainBankData health grade of A (96/100), with well-capitalized at 18.19% Tier 1, profitable at 4.12% ROA, efficient (32% cost ratio).

#296
largest of 4,313 FDIC banks by assets
93rd
percentile by asset size, nationally
18.19%
Tier 1 ratio - above the 10% well-capitalized line
99th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 57056 · UT A · 96/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (96/100)
  • TOP-DECILE #270/4307
  • PHOTO-FINISH American Commerce Ba… · GA
  • TIER1-WELL 18.2% Tier 1
  • TEXAS-CLEAN 12.2% Texas
  • ROA-STRONG 4.12% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: American Commerce Bank, National Association, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Celtic Bank

Lowest and highest poles plus nearest scored peers outside Utah, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Commerce Ba… · GA ·…96/100Celtic Bank · UT · this bank96/100First General Bank · CA · ne…96/100First Security Bank… · NV · …96/100Metro City Bank · GA · near96/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Celtic Bank · July 2026

What Celtic Bank's Call Report plate shows

Celtic Bank (FDIC Cert #57056) carries a PlainBankData health grade of A at 96/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #270 of 4,307. Tier 1 capital prints at 18.19%, clearing the 10% well-capitalized line. The Texas Ratio is 12.16%, inside the sub-50% band analysts treat as healthy. Return on assets is 4.12%. Balance-sheet scale is $4.8B, 296th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is American Commerce Bank, National Association (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Celtic Bank

8 FAILURE resolutions in Utah since 2000 (7 since 2008)

Celtic Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Celtic Bank remains an active FDIC-insured reporter.

  • PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
  • SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
  • CENTENNIAL BANK OGDEN, UT 2010

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Utah banks.

How Celtic Bank's 96/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10096/100
Celtic Bank's composite health score
Tier 1 Capital Ratio (18.19%) 40/40
Return on Assets (ROA) (4.12%) 25/25
Texas Ratio (12.16%) 16/20
Efficiency Ratio (32.11%) 15/15

96 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$4.8B

Total balance-sheet footings

Total Deposits

$3.4B

Customer-funded liabilities

Net Loans

$3.9B

Outstanding loan book

Net Income

$176M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.79% 18.19% 19.59%
Basel III capital ratios - Celtic Bank

Where Celtic Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Celtic Bank's score of 96/100 falls in the highlighted band.

Celtic Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

96 Top 6% higher than 94% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Celtic Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Celtic Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Celtic Bank's $4.8B falls in the highlighted band.

Safety ratios for Celtic Bank

Tier 1 capital ratio
Well-capitalized 10%

18.19% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.19%
Texas Ratio
12.16%
Equity Capital
$850M

What these ratios mean →

Earnings posture at Celtic Bank

Return on Assets (ROA)
99th percentile nationally
4.12%
Return on Equity (ROE)
22.98%
Efficiency Ratio
32.11%

What these mean →

Income & expense at Celtic Bank

$395M
Interest Income
$118M
Non-Interest Income
$128M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Celtic Bank reports a Texas Ratio of 12.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

12.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Celtic Bank on FDIC BankFind →

Top banks in Utah by total assets

Largest banks headquartered in Utah
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    Ally Bank $184.6B

    Sandy, UT · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Synchrony Bank $112.1B

    Draper, UT · Grade A

Top 5 banks in Utah ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($4.8B here), outside Utah so the neighborhood is not state containment.

Bank of Stockton $4.8B · CA State Bank of India $4.8B · IL Barrington Bank & Trust Company $4.8B · IL Carter Bank & Trust $4.8B · VA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Celtic Bank (FDIC Cert #57056) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Celtic Bank Call Report profile · FDIC Failed Bank List · Utah FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Utah

All Utah banks →
BankAssetsGradeROA
Morgan Stanley Bank, National AssociationSalt Lake City $253.3B A 1.86%
American Express National BankSandy $211.3B A 3.89%
Ally BankSandy $184.6B A 0.91%
UBS Bank USASalt Lake City $119.3B A 1.13%
Synchrony BankDraper $112.1B A 2.89%
Zions Bancorporation, N.A.Salt Lake City $89.0B B 1.01%
SoFi Bank, National AssociationCottonwood Heights $46.6B A 1.96%
Sallie Mae BankSalt Lake City $29.7B A 2.90%