Call reports 2025
CELTIC BANK CORPORATION — 2025
What CELTIC BANK CORPORATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 4,004,278,000 | 4,262,457,000 | 4,546,280,000 | 4,792,448,000 |
| Total loans | 3,010,559,000 | 3,324,025,000 | 3,719,375,000 | 3,989,620,000 |
| Allowance for loan losses | 50,884,000 | 55,395,000 | 56,159,000 | 56,864,000 |
| Securities available for sale | 71,000 | 71,000 | 67,000 | 67,000 |
| Securities held to maturity | 352,750,000 | 353,041,000 | 343,750,000 | 340,878,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,744,106,000 | 2,848,044,000 | 3,284,772,000 | 3,442,128,000 |
| Interest-bearing deposits | 2,547,985,000 | 2,624,201,000 | 3,061,698,000 | 3,180,109,000 |
| Noninterest-bearing deposits | 196,121,000 | 223,843,000 | 223,074,000 | 262,019,000 |
| Equity capital | 725,738,000 | 763,502,000 | 802,450,000 | 850,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 87,584,000 | 180,621,000 | 285,623,000 | 394,720,000 |
| Interest expense | 26,752,000 | 55,664,000 | 88,522,000 | 122,795,000 |
| Net interest income | 60,832,000 | 124,957,000 | 197,101,000 | 271,925,000 |
| Noninterest income | 27,029,000 | 54,974,000 | 84,258,000 | 117,596,000 |
| Noninterest expense | 29,392,000 | 61,406,000 | 95,572,000 | 127,801,000 |
| Provision for loan losses | 6,603,000 | 11,645,000 | 22,583,000 | 29,861,000 |
| Pretax income | 51,866,000 | 106,880,000 | 163,204,000 | 231,859,000 |
| Income tax | 12,410,000 | 25,660,000 | 39,036,000 | 55,686,000 |
| Net income | 39,456,000 | 81,220,000 | 124,168,000 | 176,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 720,811,000 | 758,575,000 | 797,535,000 | 845,890,000 |