| Metric | Celtic Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.1% | +5.5% | +19.7 pts |
| Deposit growth (YoY) | +37.0% | +5.1% | +31.9 pts |
| Loan growth (YoY) | +37.7% | +5.9% | +31.8 pts |
| ROA | 3.41% | 1.26% | +2.2 pts |
| ROE | 19.3% | 12.2% | +7.2 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.33B | $3.90B | $4.50B | $928.3M | $85.8M | 3.41% | 6.05% | 3.13% |
| Q1 2026 | $4.97B | $3.56B | $4.07B | $886.6M | $40.1M | 3.29% | 6.17% | 2.59% |
| Q4 2025 | $4.79B | $3.44B | $3.93B | $850.5M | $176.2M | 4.12% | 6.65% | 2.32% |
| Q3 2025 | $4.55B | $3.28B | $3.66B | $802.5M | $124.2M | 3.99% | 6.64% | 2.29% |
| Q2 2025 | $4.26B | $2.85B | $3.27B | $763.5M | $81.2M | 4.04% | 6.53% | 2.14% |
| Q1 2025 | $4.00B | $2.74B | $2.96B | $725.7M | $39.5M | 4.05% | 6.56% | 1.97% |
| Q4 2024 | $3.78B | $2.74B | $2.82B | $690.3M | $158.5M | 4.76% | 7.05% | 1.73% |
| Q3 2024 | $3.42B | $2.40B | $2.55B | $653.4M | $117.6M | 4.87% | 7.02% | 1.31% |
Loan mix (Q2 2026): real estate $1.98B · commercial $2.15B · consumer $466.0M · securities $389.0M
| Ratio | Celtic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.41% | 1.26% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 19.3% | 12.2% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.05% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.2% | 59.0% | 4th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Celtic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Celtic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Celtic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Celtic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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