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Celtic Bank

IDRSSD: 2998576
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2025-Q4QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #2998576 2025-Q4 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Watch
Securities:Strong
Capitalization:Watch
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 88.7% of deposits (threshold 30%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 114.3% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -4

The five pillars

Liquidity

WatchQoQ -1
50
Sub-score

Liquidity is deteriorating: brokered 88.7%, loans/deposits 114.3%, cash 5.5% of assets.

Cash / Assets
5.50%
Loans / Deposits
114.25%
Brokered %
88.73%

Watch Items

  • riskBrokered deposits above 30% — Brokered 88.7% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 114.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.11%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 18.17%.

Tier 1 RBC
—
CET1
0.00%
Leverage
18.17%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ +3
68
Sub-score

Asset quality is stable: Adjusted NPL 2.81%, Texas Ratio 12.2%, NCO YTD 0.68%.

Adjusted NPL
2.81%
Govt-guarantees stripped
Texas Ratio
12.2%
NCO YTD
0.68%
30-89 PD
1.38%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.81% (govt-guarantees stripped).

Reserves

WatchQoQ -4
41
Sub-score

Reserves are deteriorating: ALLL 1.43% of loans, coverage 51.5%, true coverage 50.8%.

ALLL / Loans
1.43%
Coverage
51.5%
True Loss Coverage
50.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 02:33:26 UTC