Bank · FDIC insured
Celtic Bank
A $5.3B bank, the 273rd largest of 4,207, headquartered in Salt Lake City, UT, with 1 branch in Utah. Best rates: CDs 3.90% and savings 0.09% APY.
Celtic Bank Carrot Score
66
Carrot Score
Higher than 16% of U.S. banks and credit unions
#34 of 43 in Salt Lake City, UT metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Celtic Bank
Celtic Bank is headquartered in Salt Lake City, Utah, and specializes in commercial financing and SBA loans.
- Headquarters
- 268 S State St, Salt Lake City, UT 84111
- FDIC certificate
- 57056 ↗
Branches
1 branch in Utah
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Utah
1 branch
- Celtic BankMain office268 S State St, Salt Lake City, UT 84111Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 18.04% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 3.63% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 3.41% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $117 | $88 | — |
- CapitalLeverage ratio18.04%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent3.63%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets3.41%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$117Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Celtic Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.