Total Assets
$4.8B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$3.4B
Customer-funded liabilities
Net Loans
$3.9B
Outstanding loan book
Net Income
$176M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
99th percentile nationally
4.12%
Return on Equity (ROE)
22.98%
Efficiency Ratio
32.11%
What the numbers say about Celtic Bank
Celtic Bank is an FDIC-insured institution (Certificate #57056) headquartered in Salt Lake City, Utah, established in 2001. It holds $4.8B in total assets - 296th of 4,313 FDIC-insured banks, $3.4B in customer deposits, and $3.9B in net loans. On safety, its Tier 1 capital ratio of 18.19% is above the 10% well-capitalized threshold, and its Texas Ratio of 12.16% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (96/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Celtic Bank's asset base places it among the largest FDIC-insured institutions in the country, 296th of 4,313 nationally, and 16th of 42 banks headquartered in Utah. Only Green Dot Bank DBA Bonneville Bank ($5.2B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$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.
Top banks in Utah by total assets
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.
Other banks in Utah
All Utah banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Celtic Bank's health grade?▼
Celtic Bank receives a health grade of A (96/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Celtic Bank?▼
Celtic Bank holds $4.8B in total assets and $3.4B in deposits, ranking 296th of 4,313 FDIC-insured banks by asset size. It is headquartered in Salt Lake City, Utah.
Is my money safe at Celtic Bank?▼
Yes, deposits at Celtic Bank (Certificate #57056) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Celtic Bank's Tier 1 Capital Ratio?▼
Celtic Bank has a Tier 1 Capital Ratio of 18.19%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Celtic Bank?▼
Celtic Bank has a Texas Ratio of 12.16%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Celtic Bank?▼
Celtic Bank has an Efficiency Ratio of 32.11%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Celtic Bank's profile as a depositor or analyst.
- Celtic Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Celtic Bank against other Utah banks before moving funds. Utah banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.