Celtic Bank
Salt Lake City, UT
IDRSSD: 2998576
Total Assets
$4.79B
Latest filing
Total Deposits
$3.44B
Latest filing
Net Interest Margin
6.69%
Profitability
Key People
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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 01/30/2026Established 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
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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 | 01/30/2026 |
| CERT | 57056 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.79B |
| Total Deposits | $3.44B |
| Total Liabilities | $3.94B |
| Total Equity Capital | $850.46M |
| Net Income | $52.01M |
| Net Loans and Leases | $3.93B |
| Assets Per Employee ($Millions) | $13.06M |
| Bank Premises and Fixed Assets | $23.97M |
| Cash and Balances due from Depository Institutions | $263.79M |
| Deposits Held in Domestic Offices | $3.44B |
Key Performance Ratios
| Return on Assets (ROA) | 4.45% |
| Return on Equity (ROE) | 25.17% |
| Net Interest Margin | 6.69% |
| Efficiency Ratio | 27.68% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.62% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 17.746% |
| Earning Assets to total Assets | 95.82% |
Income and Expense
| Total Interest Income | $109.10M |
| Total Noninterest Income | $33.34M |
| Total Interest Expense | $34.27M |
| Total Noninterest Expense | $32.23M |
| Net Interest Income | $74.82M |
| Pre-tax Net Operating Income | $68.66M |
| Provision for Credit Losses | $7.28M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $649.00k |
| Other borrowed funds | $400.54M |
| Federal Funds Sold & Reverse Repurchase Agreement | $55.20M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $99.33M |
| Total Liabilities and Capital | $4.79B |
Securities
| Securities | $340.94M |
| Available-for-sale debt securities | $67.00k |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $340.88M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Celtic Bank?
$4.79B as of the latest filing.
How much are Celtic Bank's total deposits?
$3.44B in total deposits.
Where is Celtic Bank located?
Salt Lake City, UT.
What is the Net Interest Margin?
6.69%.
How many domestic offices does it operate?
1.
When was it established?
03/01/2001.
What is the Return on Assets (ROA)?
4.45%.
How much are total loans and leases?
$3.93B (latest filing).
What is the total interest income (latest filing)?
$109.10M.