BlastPoint's Banking Scorecard
Celtic Bank
Community
Specialty: Commercial
UT
FDIC cert 57056
Salt Lake City, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
Celtic Bank has 5 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 5% in Community
- + Return on Assets 2.95% above tier
- + Net Interest Margin 2.99% above tier
- + Efficiency Ratio 30.52% below tier
- + Loan-to-Deposit Ratio 31.19% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.18% above tier
- - Non-Interest-Bearing Deposit Share 13.43% below tier
- - Nonperforming Asset Ratio 1.82% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.8B
+26.7% YoY
+5.4% QoQ
|
+$3.4B |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$3.9B
+39.6% YoY
+7.4% QoQ
|
+$3.0B |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$3.4B
+25.5% YoY
+4.8% QoQ
|
+$2.3B |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
4.12%
-13.4% YoY
+3.2% QoQ
|
+2.95% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
6.65%
-5.6% YoY
+0.3% QoQ
|
+2.99% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
32.11%
-1.5% YoY
-5.0% QoQ
|
-30.52% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
2.81%
+20.5% YoY
-0.8% QoQ
|
+2.18% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 5% in tier |
| Loan-to-Deposit Ratio ? |
114.25%
+11.2% YoY
+2.5% QoQ
|
+31.19% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.61%
-8.9% YoY
+12.1% QoQ
|
-13.43% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
2.32%
+33.5% YoY
+1.0% QoQ
|
+1.82% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
2.45%
-20.7% YoY
+32.4% QoQ
|
+1.71% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (5)
Revenue Diversifier
growth
#21 of 371 · Top 5% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.45%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
4.12%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Top 1%
in Community
Why this stands out
Current:
4.12%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
6.65%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
32.11%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 2%
in Community
Why this stands out
Current:
114.25%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (3)
Delinquency Rate
metric
Bottom 5%
in Community
Why this stands out
Current:
2.81%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Community
Why this stands out
Current:
7.61%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
2.32%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Return on Assets
Current: 4.12% · Tier avg: 1.16%
100
100th pctile
Total Assets
Current: $4.8B · Tier avg: $1.4B
100
100th pctile
Total Loans
Current: $3.9B · Tier avg: $975.5M
99
99th pctile
Net Interest Margin
Current: 6.65% · Tier avg: 3.66%
99
99th pctile
Efficiency Ratio
Current: 32.11% · Tier avg: 62.63%
98
98th pctile
Loan-to-Deposit Ratio
Current: 114.25% · Tier avg: 83.06%
97
97th pctile
Total Deposits
Current: $3.4B · Tier avg: $1.2B
97
97th pctile
Non-Interest Income / Assets
Current: 2.45% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.61% · Tier avg: 21.05%
5
5th pctile
Delinquency Rate
Current: 2.81% · Tier avg: 0.63%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.32% · Tier avg: 0.50%
Top Weaknesses
5
5th pctile
Nonperforming Asset Ratio
Current: 2.32% · Tier avg: 0.50%
5
5th pctile
Delinquency Rate
Current: 2.81% · Tier avg: 0.63%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.61% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
97
97th pctile
Non-Interest Income / Assets
Current: 2.45% · Tier avg: 0.74%
97
97th pctile
Total Deposits
Current: $3.4B · Tier avg: $1.2B
98
98th pctile
Loan-to-Deposit Ratio
Current: 114.25% · Tier avg: 83.06%
99
99th pctile
Efficiency Ratio
Current: 32.11% · Tier avg: 62.63%
99
99th pctile
Net Interest Margin
Current: 6.65% · Tier avg: 3.66%
100
100th pctile
Total Loans
Current: $3.9B · Tier avg: $975.5M
100
100th pctile
Total Assets
Current: $4.8B · Tier avg: $1.4B
100
100th pctile
Return on Assets
Current: 4.12% · Tier avg: 1.16%