Celtic Bank
Salt Lake City, UT
IDRSSD: 2998576
Total Assets
$4.55B
Latest filing
Total Deposits
$3.28B
Latest filing
Net Interest Margin
6.85%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Celtic Bank
268 S State St
Salt Lake City, UT 84111
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/01/2001FDIC Certificate 356463
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Celtic Bank (Main) | 268 S State St | Salt Lake City, UT | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/01/2001 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 84111 |
| State and County Number | 49035 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 23 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Salt Lake City, UT |
Operational Info
| Number of Employees | 361 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/01/2001 |
| Primary Insurance Agency | DIF |
| Website | http://www.celticbank.com |
| Data Updated | 11/14/2025 |
| CERT | 57056 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.55B |
| Total Deposits | $3.28B |
| Total Liabilities | $3.74B |
| Total Equity Capital | $802.45M |
| Net Income | $42.95M |
| Net Loans and Leases | $3.66B |
| Assets Per Employee ($Millions) | $12.59M |
| Bank Premises and Fixed Assets | $24.39M |
| Cash and Balances due from Depository Institutions | $275.25M |
| Deposits Held in Domestic Offices | $3.28B |
Key Performance Ratios
| Return on Assets (ROA) | 3.9% |
| Return on Equity (ROE) | 21.94% |
| Net Interest Margin | 6.85% |
| Efficiency Ratio | 33.61% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.99% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 17.651% |
| Earning Assets to total Assets | 95.75% |
Income and Expense
| Total Interest Income | $105.00M |
| Total Noninterest Income | $29.28M |
| Total Interest Expense | $32.86M |
| Total Noninterest Expense | $34.17M |
| Net Interest Income | $72.14M |
| Pre-tax Net Operating Income | $56.32M |
| Provision for Credit Losses | $10.94M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $649.00k |
| Other borrowed funds | $351.08M |
| Federal Funds Sold & Reverse Repurchase Agreement | $73.14M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $107.98M |
| Total Liabilities and Capital | $4.55B |
Securities
| Securities | $343.82M |
| Available-for-sale debt securities | $67.00k |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $343.75M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Celtic Bank?
$4.55B as of the latest filing.
How much are Celtic Bank's total deposits?
$3.28B in total deposits.
Where is Celtic Bank located?
Salt Lake City, UT.
What is the Net Interest Margin?
6.85%.
How many domestic offices does it operate?
1.
When was it established?
03/01/2001.
What is the Return on Assets (ROA)?
3.9%.
How much are total loans and leases?
$3.66B (latest filing).
What is the total interest income (latest filing)?
$105.00M.