Whitaker Bank, Inc: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Whitaker Bank, Inc, based in Lexington, Kentucky, reported $1.9 billion in assets at June 30, 2026, up 1.1% from a year earlier. It pays an average of 0.61% on its deposits and borrowings, about a third the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 1.3 times its capital, lower than about three-quarters of banks its size (median 2.2 times).
Paper losses on its bond portfolio are shrinking: unrealized losses of $72 million equal 29% of Tier 1 capital, down from 37% a year earlier. Net income for the quarter rose 25% from a year earlier, to $6.8 million. One more trend to watch: loans are outrunning deposits: over the year loans rose 6.2% and deposits rose 0.2%.
As of June 30, 2026, Whitaker Bank, Inc reported a return on assets of 1.38%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 1.26%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2001 Pleasant Ridge Dr, Lexington, KY 40509
- County
- Fayette
- Metro Area
- Lexington-Fayette, KY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- April 19, 1990
- Former names
- Whitaker Bank (2004); Whitaker Bank, National Association (1993-2004)
- Offices
- 46 domestic
- Employees (FTE)
- 382
- Domestic deposits
- $1.62B
- Allowance for credit losses
- $16.6M
- Net charge-offs (YTD)
- $311K
- Average total assets
- $1.98B
- Average total loans
- $1.09B
- Average interest-bearing deposits
- $1.07B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 19, 1990
- FDIC Cert
- 32912
- Fed RSSD
- 1445943
- Website
- www.whitakerbank.com →
- Parent Holding Company
- WHITAKER BANK CORPORATION OF KENTUCKY (RSSD 1966671)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Whitaker Bank, Inc terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Whitaker Bank, Inc, freeWhitaker Bank, Inc rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.89% | 1.38% | 0.13% | 1.26% | 4.15% |
| Q1 2026 | 12.86% | 1.38% | 0.16% | 1.26% | 4.06% |
| Q4 2025 | 12.79% | 1.12% | 0.05% | 0.67% | 4.07% |
| Q3 2025 | 13.18% | 1.25% | 0.10% | 0.92% | 3.98% |
| Q2 2025 | 13.14% | 1.11% | 0.09% | 0.86% | 3.82% |
| Q1 2025 | 13.16% | 1.21% | 0.08% | 0.71% | 3.69% |
| Q4 2024 | 13.12% | 1.49% | 0.14% | 0.88% | 3.73% |
| Q3 2024 | 13.45% | 1.49% | 0.13% | 0.74% | 3.66% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 46 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples Bank and Trust Company of Madison County Bank Branch | Berea , KY | 40403 | $181.1M |
| First National Bank and Trust Company Branch | Georgetown , KY | 40324 | $141.7M |
| Paris Pike Drive Branch | Lexington , KY | 40505 | $126.2M |
| State B&Tc Branch | Harrodsburg , KY | 40330 | $87.2M |
| Powell County Bank Branch | Stanton , KY | 40380 | $84.2M |
| Whitaker Bank | Lexington , KY | 40509 | $80.8M |
| Morehead Bank Branch | Morehead , KY | 40351 | $67.9M |
| State National Bank of Frankfort Branch | Frankfort , KY | 40601 | $65.3M |
| U.S. 25 Branch | Berea , KY | 40403 | $57.1M |
| Mount Sterling Bank Branch | Mount Sterling , KY | 40353 | $55.5M |
| Corbin Branch | Corbin , KY | 40701 | $54.5M |
| 39 Public Square Branch | Lancaster , KY | 40444 | $47.3M |
| Highway 15 North Branch | Whitesburg , KY | 41858 | $39.7M |
| North Berea Branch | Berea , KY | 40403 | $38.8M |
| The Bank of Whitesburg Branch | Whitesburg , KY | 41858 | $36.2M |
| Eastern By-Pass Branch | Richmond , KY | 40475 | $33.2M |
| Indian Mound Branch | Mount Sterling , KY | 40353 | $31.9M |
| Wolfe Co Branch | Campton , KY | 41301 | $30.4M |
| Washington Square Branch | Georgetown , KY | 40324 | $24.2M |
| Thoroughbred Banking Center Branch | Georgetown , KY | 40324 | $22.9M |
| Clay City Branch | Clay City , KY | 40312 | $22.0M |
| Brandy Lane Branch | Richmond , KY | 40475 | $21.8M |
| Hazard Branch | Hazard , KY | 41701 | $21.1M |
| East Corbin Branch | Corbin , KY | 40701 | $21.0M |
| Mountain Credit Branch | Hazard , KY | 41701 | $20.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2020 | Structure Change | Acquired Peoples Bank and Trust Company of Madison County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2008 | Structure Change | Acquired State Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 21, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 21, 2004 | Structure Change | Acquired Morehead Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 22, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 22, 2004 | Structure Change | Acquired The State National Bank of Frankfort Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 16, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2001 | Structure Change | Acquired The Bank of Whitesburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2000 | Structure Change | Acquired Powell County Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1997 | Structure Change | Acquired The First National Bank of Carlisle Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 20, 1990 | Structure Change | Acquired Corinth Deposit National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 19, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 16 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Whitaker Bank, Inc, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve); 9 against individuals associated with it
- August 26, 2011, Federal Reserve: Civil Money Penalty, $8,500: Whitaker Bank, Lexington, Kentucky
- Period: Most recent institution action August 26, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.3% of deposits in KY, rank 16 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Whitaker Bank, Inc
What are Whitaker Bank, Inc's total assets?
As of the Q2 2026 filing, Whitaker Bank, Inc reported total assets of $1.93 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Whitaker Bank, Inc headquartered?
Whitaker Bank, Inc is headquartered in Lexington, KY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Whitaker Bank, Inc founded?
Whitaker Bank, Inc was established in 1990, per the FDIC institution directory.
Is Whitaker Bank, Inc FDIC-insured?
Yes. Whitaker Bank, Inc is an FDIC-insured commercial bank (FDIC Certificate #32912). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Whitaker Bank, Inc?
Whitaker Bank, Inc's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Whitaker Bank, Inc operate?
Whitaker Bank, Inc operates 46 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Whitaker Bank, Inc's Texas Ratio?
Whitaker Bank, Inc's Texas Ratio is 1.26% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Whitaker Bank, Inc previously called?
The charter now named Whitaker Bank, Inc has also operated as Whitaker Bank (2004), Whitaker Bank, National Association (1993-2004), per FDIC structure-change records.
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