Celtic Bank Annual Report

We maintain the complete database with all recent information about Celtic Bank that you may need. With the help of the annual report, you can know the financial health of the bank, see how large it is, and track the dynamics and last trends of all financial indicators. All Celtic Bank data is relevant for May 2026.

2.61

Address

268 South State Street, Suite 300 Salt Lake City, UT 84111

FDIC Certificate ID

57056

Bank Charter Class

Federal Reserve Non-member

Financial report Celtic Bank

Quarterly

Annually

Change dates

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001

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2021
2020
2019
2018
2017
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2018
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2025
2024
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2021
2020
2019
2018
2017
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2015
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2012
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2025
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Hide dates

All values USD, Dollar figures in thousands

Updated December 31, 2025

Item

2025

2024

2023

2022

2021

Trends

Assets and Liabilities

Total assets

4,792,448

3,781,454

2,961,119

2,136,835

1,929,681

Cash & Balances due from depository institutions

263,785

355,620

318,593

163,337

70,269

Cash items in process of collection

N/A

Collection in domestic offices

N/A

Currency and coin in domestic offices

N/A

Balances due from depository institutions in U.S.

N/A

Balances due from foreign banks

N/A

Balances due from FRB

N/A

Total securities *

340,945

333,955

320,172

287,588

199,565

U.S. Government securities

N/A

U.S. Treasury securities

N/A

U.S. Government agency obligations

N/A

Securities issued by states & political subdivisions

5,090

5,642

Other domestic debt securities

340,875

333,881

320,093

282,498

193,923

Privately issued residential mortgage-backed securities

N/A

Asset backed securities

340,875

333,881

320,093

282,498

193,923

Structured financial products - Total

N/A

Other domestic debt securities - All other

N/A

Foreign debt securities

N/A

Equity securities not held for trading

N/A

Equity securities available-for-sale

N/A

Credit Loss Allowance for Held to Maturity Debt Securities

N/A

Assets held in trading accounts for TFR Reporters

N/A

General valuation allowances for securities for TFR Reporters

N/A

Federal funds sold and reverse repurchase

55,202

106,190

97,367

51,760

69,592

Net loans and leases

3,932,755

2,817,085

2,105,982

1,524,903

1,470,957

Loan and leases loss allowance**

56,864

52,574

39,858

35,986

39,003

Total loans and leases

3,989,619

2,869,659

2,145,840

1,560,889

1,509,960

Unearned income

12,112

11,124

10,112

10,985

12,735

Loans and leases, gross

N/A

1,522,695

All real estate loans

1,794,316

1,319,009

890,490

711,551

570,122

Real estate loans in domestic offices

1,794,316

1,319,009

890,490

711,551

570,122

Construction and development loans

81,330

84,678

68,094

43,323

30,637

Residential 1-4 family construction

N/A

259

Other construction, all land development and other land

81,330

84,678

68,094

43,323

30,378

Secured by nonfarm nonresidential properties

1,712,628

1,233,666

821,240

666,669

535,381

Nonfarm nonresidential secured by owner-occupied properties

1,696,612

893,351

803,887

636,846

501,421

Commercial real estate other non-farm non-residential

16,016

340,315

17,353

29,823

33,960

Multifamily residential real estate

N/A

1-4 family residential loans

358

601

1,079

1,464

3,990

Farmland loans

N/A

114

Loans held in foreign offices

N/A

Farm loans

544

N/A

Commercial and industrial loans

1,796,396

1,264,768

1,094,029

829,765

928,267

Loans to individuals

410,811

296,582

170,425

30,091

24,055

Credit card loans

N/A

Related Plans

N/A

Consumer Loans - Auto

N/A

Other loans to individuals

410,811

296,582

170,425

30,091

24,055

All other loans & leases*

196

339

464

467

249

Loans to foreign governments and official institutions

N/A

Obligations of states and political subdivisions in U.S.

N/A

Other loans

N/A

249

Lease financing receivables

176

273

N/A

Loans to depository institutions and acceptances of other banks

N/A

Trading account assets

N/A

Bank premises and fixed assets

23,974

18,563

19,714

21,765

26,542

Other real estate owned

649

N/A

426

104

Direct and indirect investments in real estate

N/A

OREO: Real estate acquired

649

N/A

426

104

Other real estate owned: 1-4 family residential

N/A

Other Real Estate Owned: Multi-family residential

N/A

Other real estate owned: Commercial real estate

649

N/A

426

104

Other real estate owned:Construction & development

N/A

Other real estate owned: Farmland

N/A

Foreclosed properties from GNMA loans before June 2018

N/A

Other real estate owned in foreign offices

N/A

Goodwill and other intangibles

29,839

32,569

35,665

37,078

35,803

Goodwill

N/A

Mortgage servicing assets

23,871

26,055

28,532

29,662

28,643

All other assets

N/A

56,849

Liabilities and Capital

Total liabilities and capital

4,792,448

3,781,454

2,961,119

2,136,835

1,929,681

Total Liabilities

3,941,993

3,091,172

2,412,321

1,707,549

1,569,749

Total deposits

3,442,128

2,742,010

2,159,892

1,506,483

962,153

Deposits held in domestic offices

3,442,128

2,742,010

2,159,892

1,506,483

962,153

Individuals, partnerships, and corporations

N/A

958,662

U.S. Government

N/A

States and political subdivisions in the U.S.

N/A

Commercial banks and other depository institutions in U.S.

N/A

3,490

Banks in foreign countries

N/A

Foreign governments and official institutions

N/A

Deposits held in foreign offices

N/A

Deposits held in domestic offices

3,442,128

2,742,010

2,159,892

1,506,483

962,153

Transaction accounts

173

250

65,253

68,840

Nontransaction accounts

3,442,117

2,741,837

2,159,642

1,441,231

893,312

Money market deposit accounts (MMDAs)

347,394

292,702

215,309

138,288

155,828

Other savings deposits (excluding MMDAs)

N/A

Total time deposits

3,094,724

2,449,136

1,944,333

1,302,942

737,484

Federal funds purchased and repurchase agreements

N/A

Trading liabilities

N/A

N/A - idobrmtg

N/A

581,737

Subordinated debt

N/A

All other liabilities

N/A

25,859

Total equity capital

850,455

690,282

548,798

429,286

359,932

Bank equity capital

850,455

690,282

548,798

429,286

359,932

Perpetual preferred stock

N/A

Common stock

100

Surplus

6,841

Undivided profits

843,514

683,341

541,857

422,345

352,991

Equity, minor interest in consolidated subs

N/A

Memoranda

Noncurrent loans and leases

110,355

65,602

28,142

18,998

12,058

Income earned, not collected on loans

25,839

19,525

17,339

11,838

11,677

Earning assets

4,592,046

3,603,441

2,833,516

1,968,026

1,809,594

Long-term assets (5+ years)

185,014

258,344

220,874

63,628

34,167

Average total assets

4,277,383.4

3,331,105.4

2,523,719.4

1,900,029.4

3,494,125.4

Average assets, quarterly

4,669,364

3,601,067

2,783,509

1,999,728.5

2,321,156

Total risk weighted assets adjusted

N/A

Adjusted average assets for leverage capital purposes

4,649,033

3,533,541

2,807,391

1,947,461

1,432,964

Life insurance assets

6,813

6,609

6,422

6,257

6,107

General account life insurance assets

6,813

6,609

6,422

6,257

6,107

Separate account life insurance assets

N/A

Hybrid life insurance assets

N/A

Volatile liabilities

401,198

251,858

136,931

108,190

100,288

Insider loans

N/A

FHLB advances

400,000

250,000

135,000

107,400

100,000

Loans and leases held for sale

429,848

282,003

172,851

130,512

44,186

Unused loan commitments

727,983

517,090

304,730

156,781

207,806

Tier one (core) capital

845,890

685,299

543,341

423,613

354,454

Tier 2 Risk-based capital

N/A

Total unused commitments

727,983

517,090

304,730

156,781

207,806

Derivatives

N/A