How it operates
Celtic Bank offers commercial financing such as SBA, equipment and working-capital loans. Its public materials also describe financing solutions delivered through business and financial-technology relationships.
Bank · COVERAGE INDEX
Celtic Bank
Celtic Bank is a Utah-chartered industrial bank that provides commercial and consumer financial products, including small-business and SBA lending.
The bank combines its own regulated banking operations with specialized lending and partner-distributed financial products. Product availability and borrower terms vary by program.
Celtic Bank's official website ↗
Financial-services role
A Utah industrial bank can connect a regulated deposit-taking institution with specialist commercial lending and partner distribution. That structure makes bank oversight, funding and program responsibilities relevant parts of the analysis.
Utah banking record
- Legal bank name
- Celtic Bank
- Headquarters
- Salt Lake City, Utah
- Charter category
- Utah industrial bank
- FDIC certificate
- 57056
Sources checked October 3, 2026 Mountain Time. FDIC dataset index: 2026-10-02. Headquarters identify the bank, not its branches or a parent company’s offices.
News timeline
No news stories are currently linked to this entity.
Related permanent research
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Celtic Bank: business investment, specialist lending and partner distribution →
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Policy & official records
Curated library records that name Celtic Bank or connect through its linked research. The official source provides full scope and status.
OCC / FDIC / Federal Reserve2024-07-25 · Supervisory statement
Third-party deposit arrangements — joint statement →
Responsibility, records and risks in bank-fintech deposit programs.
Official record ↗OCC / FDIC / Federal Reserve2024-05-07 · Voluntary guide
Community-bank third-party risk management guide →
Practical considerations for community-bank third-party relationships.
Official record ↗OCC / FDIC / Federal Reserve2023-06-06 · Supervisory guidance
Interagency third-party relationship guidance →
Planning, diligence, contracts, monitoring and termination; tailored to risk.
Official record ↗OCC2021-10-21 · Current posted examination handbook
Payment Systems — Comptroller’s Handbook →
Overview of payment systems, payment types, operational exposures and risk-management practices. Useful context for bank payment operations and outsourced processing.
Official record ↗CFPB2021-09-20 · Current posted examination procedures
Compliance management and information technology — CFPB examination procedures →
Procedures for evaluating technology and service-provider controls as part of consumer-compliance management. Connects system design, oversight and testing to risks of consumer harm.
Official record ↗OCC / FDIC / Federal Reserve / NCUA2020-05-20 · Current posted supervisory guidance
Responsible small-dollar lending — interagency principles →
Principles for responsibly offering small-dollar credit, with attention to successful repayment, clear terms and sound risk management. Provides product-design context alongside applicable consumer-credit rules.
Official record ↗OCC / FDIC / Federal Reserve / CFPB / NCUA2019-12-03 · Current posted supervisory guidance
Alternative data in credit underwriting — interagency statement →
Addresses consumer-protection opportunities and risks from alternative underwriting data, including cash-flow data. Encourages analysis of applicable laws and compliance controls before deployment; it does not exempt a model from consumer-protection requirements.
Official record ↗OCC2019-07-24 · Current posted supervisory guidance
Fraud risk management — OCC 2019-37 →
Guidance on fraud governance, prevention, detection, response and loss monitoring across the bank. The posted bulletin marks removal of reputation-risk references on March 20, 2025.
Official record ↗OCC2019-07-15 · Current posted examination handbook
Corporate and Risk Governance — Comptroller’s Handbook →
Examination reference for board oversight, management responsibilities and bank risk governance. Use the posted revision notices and applicable rules alongside this July 2019 handbook.
Official record ↗OCC2018-06-28 · Current posted examination handbook
Compliance Management Systems — Comptroller’s Handbook →
Consumer-compliance risk management within the OCC’s risk-based examination approach. Useful for evaluating compliance programs and oversight across products and service providers.
Official record ↗CFPB2017-08-30 · Current posted examination procedures
Compliance management review — CFPB examination procedures →
Covers management oversight, the compliance program, service-provider controls, violations and consumer harm. Useful for testing whether responsibilities and corrective actions work across the product lifecycle.
Official record ↗CFPBDate not provided · Codified rule
Credit-card ability to pay — 12 CFR 1026.51 →
Ability-to-pay requirements for opening card accounts and increasing credit limits, including special rules for younger consumers. Separate from the mortgage ability-to-repay and qualified-mortgage framework.
Official record ↗SBADate not provided · Codified rule
SBA business lending — 13 CFR Part 120 →
Regulatory framework for SBA business-loan programs, including 7(a) and 504 requirements and lender oversight. Business lending is distinct from consumer credit; program eligibility and guaranty conditions require separate review.
Official record ↗FDICDate not provided · Examination manual; current collection
Consumer Compliance Examination Manual →
FDIC compliance and Community Reinvestment Act examination resource. Individual chapters have different revision dates; newer laws, final rules and agency instructions must be read alongside older examination text.
Official record ↗FDICDate not provided · Current codified rule
Activities of insured state banks — Part 362 →
Restrictions and exceptions governing activities and investments of insured state banks and savings associations, including subsidiaries and FDIC consent. Useful when assessing charter-specific partnership or product authority.
Official record ↗FDICDate not provided · Current codified rule
Computer-security incident notification — Part 304, Subpart C →
Subpart C contains the FDIC-supervised bank and service-provider notification framework. Section 304.23 sets the bank’s outside limit at 36 hours after determining that a notification incident occurred; service providers have a distinct trigger under §304.24.
Official record ↗