Celtic Bank
Leading nationwide small business lender and SBA Preferred Lender, seventh most active in SBA program. Specializes in SBA 7(a), 504, USDA B&I, and conventional business loans for working capital, commercial real estate, equipment, and business acquisition.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (231 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Celtic Bank ranks #8 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Celtic Bank’s 7(a) acquisition lending falls in the $500K-$1M range: 74 loans, 32.0% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 48 | 20.8% | |
| $500K-$1M | 74 | 32.0% | |
| $1M-$2M | 46 | 19.9% | |
| $2M-$3M | 33 | 14.3% | |
| $3M-$4M | 12 | 5.2% | |
| $4M-$5M | 18 | 7.8% |
Industries with highest loan volume
Gasoline Stations with Convenience Stores
36
loans
$2.4M
avg. amount
Full-Service Restaurants
20
loans
$852K
avg. amount
General Freight Trucking, Local
16
loans
$975K
avg. amount
Limited-Service Restaurants
12
loans
$1.2M
avg. amount
Assisted Living Facilities for the Elderly
10
loans
$2.5M
avg. amount
Beer, Wine, and Liquor Retailers
10
loans
$845K
avg. amount
Hotels (except Casino Hotels) and Motels
9
loans
$2.8M
avg. amount
Car Washes
7
loans
$2.0M
avg. amount
General Automotive Repair
5
loans
$841K
avg. amount
All Other Miscellaneous Fabricated Metal Product Manufacturing
4
loans
$2.0M
avg. amount
10-Year
1.8%
Percentile Ranking
88th
88th percentile
Celtic Bank’s median variable rate is + 2.50%, against a market median of Prime + 1.88%, 63 above market.
It priced below the market median in 0 of the last 8 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.56% |
| $500K-$1M | Prime + 2.56% |
| $1M-$2M | Prime + 2.37% |
| $2M-$3M | Prime + 2.20% |
| $3M-$4M | Prime + 2.00% |
| $4M-$5M | Prime + 2.10% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q3 '24 | Prime + 2.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 10 |
| Q4 '24 | Prime + 2.50% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 16 |
| Q1 '25 | Prime + 2.38% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 10 |
| Q2 '25 | Prime + 2.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 15 |
| Q3 '25 | Prime + 2.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 19 |
| Q4 '25 | Prime + 2.50% | Prime + 2.25% | Prime + 1.67% – Prime + 2.75% | 15 |
| Q1 '26 | Prime + 2.25% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 17 |
| Q2 '26 | Prime + 2.13% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 8 |
Celtic Bank has originated 7(a) acquisition loans in 34 states, most actively in California (66), Texas (20) and Washington (13). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| California | 66 | 28.6% |
| Texas | 20 | 8.7% |
| Washington | 13 | 5.6% |
| Utah | 13 | 5.6% |
| Florida | 12 | 5.2% |
| New York | 7 | 3.0% |
| Arizona | 7 | 3.0% |
| Colorado | 7 | 3.0% |
| Oregon | 7 | 3.0% |
| Wisconsin | 6 | 2.6% |
| Ohio | 6 | 2.6% |
| Illinois | 6 | 2.6% |
| North Carolina | 5 | 2.2% |
| Michigan | 5 | 2.2% |
| Maryland | 5 | 2.2% |
| Connecticut | 5 | 2.2% |
| New Jersey | 4 | 1.7% |
| Georgia | 4 | 1.7% |
| Hawaii | 4 | 1.7% |
| Alabama | 4 | 1.7% |
| South Carolina | 3 | 1.3% |
| Virginia | 3 | 1.3% |
| Louisiana | 3 | 1.3% |
| Idaho | 3 | 1.3% |
| Kentucky | 2 | 0.9% |
| New Mexico | 2 | 0.9% |
| Massachusetts | 2 | 0.9% |
| Oklahoma | 1 | 0.4% |
| Nebraska | 1 | 0.4% |
| Montana | 1 | 0.4% |
| Pennsylvania | 1 | 0.4% |
| Missouri | 1 | 0.4% |
| Mississippi | 1 | 0.4% |
| Nevada | 1 | 0.4% |
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