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Whitaker Bank
Lexington, KY · FDIC Certificate #32912 · Chartered 04/1
Total assets
$1.93B
Total deposits
$1.62B
Total equity
$222.43M
Net loans
$1.09B
Branches (offices)
46
Net income (YTD)
$13.66M
Rank: #621 of 4,213 U.S. banks by assets · #10 of 120 in Kentucky. Assets changed 1.1% and deposits 0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 12.34% |
| Net interest margin (YTD) | 4.30% |
| Equity to assets | 11.55% |
| Tier 1 leverage ratio | 12.89% |
| Uninsured deposits (share of deposits) | 26.8% |
| Noncurrent loans (share of loans) | 0.21% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 67.3% |
| Real estate loans (share of loans) | 94.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.02B | 94.0% | |
| Commercial & industrial | $47.42M | 4.4% | |
| Consumer / individual | $25.14M | 2.3% | |
| Construction & development | $153.69M | 14.1% | |
| Agricultural | $3.66M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.05B | $1.76B | $9.74M | $188.65M |
| Jun 2023 | $1.96B | $1.66B | $11.85M | $186.10M |
| Jun 2024 | $1.89B | $1.61B | $10.21M | $201.23M |
| Jun 2025 | $1.91B | $1.61B | $11.42M | $209.29M |
| Jun 2026 | $1.93B | $1.62B | $13.66M | $222.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $1.62B | 46 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.62B.
Similar-sized banks
Great Plains National Bank ($1.93B) · First Northern Bank Of Dixon ($1.93B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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