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Celtic Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
59
/ 100
WatchAs of 2026-Q1QoQ -1

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

Quarterly Headline

2026-Q1

Bank #2998576 2026-Q1 Vital Signs Score: 59/100 — overall watch. 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 90.9% 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 Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ -5
45
Sub-score

Liquidity is deteriorating: brokered 90.9%, loans/deposits 114.3%, cash 3.3% of assets.

Cash / Assets
3.27%
Loans / Deposits
114.28%
Brokered %
90.86%

Watch Items

  • riskBrokered deposits above 30% — Brokered 90.9% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 114.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.71%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 18.25%.

Tier 1 RBC
—
CET1
0.00%
Leverage
18.25%

Watch Items

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

Asset Quality

StableQoQ -3
66
Sub-score

Asset quality is stable: Adjusted NPL 3.14%, Texas Ratio 13.5%, NCO YTD 0.84%.

Adjusted NPL
3.14%
Govt-guarantees stripped
Texas Ratio
13.5%
NCO YTD
0.84%
30-89 PD
1.08%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.14% (govt-guarantees stripped).

Reserves

WatchQoQ +2
43
Sub-score

Reserves are deteriorating: ALLL 1.54% of loans, coverage 49.9%, true coverage 49.7%.

ALLL / Loans
1.54%
Coverage
49.9%
True Loss Coverage
49.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.9% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.7% (Adjusted NPL + Performing Mods denominator).

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