First Whitney Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
First Whitney Bank and Trust is an FDIC-insured commercial bank headquartered in Atlantic, IA, established in 1907 (FDIC certificate 254), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $287.5M, down 1.0% from Q2 2025, the 107th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 14.41% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 254
- Headquarters
- Atlantic, IA
- Established
- 1907
- Total assets, Q2 2026
- $287.5M
- Assets vs Q2 2025
- -1.0%
- CET1 ratio, Q2 2026
- 14.41%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073902151
- Latest call report
- Q2 2026, FFIEC 051 · First Whitney Bank and Trust call report
- Holding company
- WHITNEY CORPORATION OF IOWA
- Asset rank in state
- 107th of 225 in Iowa
First Whitney Bank and Trust runs leaner than most banks of its size. It reported $288 million in assets at June 30, 2026. It spends about 36 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 27% from a year earlier, to $1.3 million. Over the same year, loans grew 5.2% and deposits grew 0.5%. Its margin is thin by comparison: it keeps 3.18 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, First Whitney Bank and Trust reported a CET1 capital ratio of 14.41%, a return on assets of 1.75%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, First Whitney Bank and Trust is the 107th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.8% to $287.5M, loans fell 3.8% and deposits fell 3.4%. Farmland and other real estate loans made up 27.1% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 21.5%. Its 2 offices in the FDIC Summary of Deposits are in Atlantic, IA. By the capital ratios in its Q2 2026 call report, First Whitney Bank and Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 223 Chestnut St, Atlantic, IA 50022
- County
- Cass
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1907
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $254.8M
- Allowance for credit losses
- $453K
- Net charge-offs (YTD)
- $0
- Average total assets
- $294.5M
- Average total loans
- $158.1M
- Average interest-bearing deposits
- $207.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 254
- Fed RSSD
- 740249
- Website
- www.firstwhitneybank.com →
- Parent Holding Company
- WHITNEY CORPORATION OF IOWA (RSSD 1200571)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Whitney Bank and Trust's total assets ran between $266.9M (Q3 2023) and $304.2M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$287.5M total assets against $290.3M; $256.6M total liabilities against $262.5M.
$159.3M net loans and leases against $151.4M; $254.8M total deposits against $253.6M.
$112.2M securities against $111.0M; $11.1M cash and balances due against $23.1M.
$3.3M total interest income against $3.2M; $1.2M total interest expense against $1.4M.
$2.1M net interest income against $1.8M.
$116K total noninterest income against $113K; $877K total noninterest expense against $872K.
$0 provision for credit losses against $0.
$1.3M net income against $1.0M.
1.75% return on assets against 1.38%; 3.18% net interest margin against 2.76%.
14.41% CET1 capital ratio against 14.27%; 11.53% tier 1 leverage ratio against 11.42%.
Inside the full First Whitney Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Whitney Bank and Trust rankings
Its closest position to the top of a national ranking is 112 of 3,606, for efficiency ratio; its furthest is 3,481 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.93% (Q4 2024) to 1.75% (Q2 2026) and its net interest margin ran from 2.44% (Q3 2024) to 3.18% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.41% | 1.75% | 0.00% | 0.00% | 3.18% |
| Q1 2026 | 13.26% | 1.49% | 0.01% | 0.04% | 3.07% |
| Q4 2025 | 13.72% | 1.35% | 0.07% | 0.37% | 3.07% |
| Q3 2025 | 14.40% | 1.47% | 0.01% | 0.03% | 2.90% |
| Q2 2025 | 14.27% | 1.38% | 0.00% | 0.00% | 2.76% |
| Q1 2025 | 13.95% | 1.25% | 0.00% | 0.00% | 2.55% |
| Q4 2024 | 13.10% | 0.93% | 0.00% | 0.00% | 2.61% |
| Q3 2024 | 12.80% | 1.08% | 0.00% | 0.00% | 2.44% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Whitney Bank and Trust (main office) | Atlantic , IA | 50022 | $178.4M |
| Drive-In Branch | Atlantic , IA | 50022 | $76.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 112 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $95K approved, $95K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Whitney Bank and Trust
What are First Whitney Bank and Trust's total assets?
As of the Q2 2026 filing, First Whitney Bank and Trust reported total assets of $287.5 million in its FFIEC call report.
Where is First Whitney Bank and Trust headquartered?
It is headquartered in Atlantic, IA, United States.
When was First Whitney Bank and Trust founded?
It was established in 1907, per the FDIC institution directory.
Is First Whitney Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #254). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Whitney Bank and Trust?
First Whitney Bank and Trust's primary federal regulator is the FDIC.
What is First Whitney Bank and Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.41% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Whitney Bank and Trust operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Whitney Bank and Trust's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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