First Whitney Bank and Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Equity capital to assets climbed 1.20 percentage points in Q2 2026, from 9.56% to 10.76%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, First Whitney Bank and Trust is 47th of 225 on return on assets, 1.75% as of Q2 2026, above the middle of the field. First Whitney Bank and Trust reported 1.75% on return on assets for Q2 2026, 0.50 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.41% |
| Tier 1 risk-based capital ratio | 14.41% |
| Total risk-based capital ratio | 14.60% |
| Tier 1 leverage ratio | 11.53% |
| Equity capital to assets | 10.76% |
| Tangible equity to tangible assets | 10.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.28% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.75% |
| Return on equity | 17.34% |
| Net interest margin | 3.18% |
| Efficiency ratio | 36.38% |
| Yield on earning assets | 4.82% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.68% |
| Core deposits to total deposits | 86.98% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.63% |
| Securities to assets | 39.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.24% | 12.24% | 12.44% | 10.36% | 1.04% |
| Q4 2023 | 11.46% | 11.46% | 11.64% | 10.50% | 0.70% |
| Q1 2024 | 11.88% | 11.88% | 12.06% | 10.66% | 1.07% |
| Q2 2024 | 12.76% | 12.76% | 12.95% | 10.82% | 1.11% |
| Q3 2024 | 12.80% | 12.80% | 12.99% | 11.15% | 1.08% |
| Q4 2024 | 13.10% | 13.10% | 13.29% | 10.85% | 0.93% |
| Q1 2025 | 13.95% | 13.95% | 14.15% | 11.13% | 1.25% |
| Q2 2025 | 14.27% | 14.27% | 14.47% | 11.42% | 1.38% |
| Q3 2025 | 14.40% | 14.40% | 14.59% | 11.72% | 1.47% |
| Q4 2025 | 13.72% | 13.72% | 13.89% | 12.13% | 1.35% |
| Q1 2026 | 13.26% | 13.26% | 13.45% | 10.92% | 1.49% |
| Q2 2026 | 14.41% | 14.41% | 14.60% | 11.53% | 1.75% |
First Whitney Bank and Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Whitney Bank and Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Whitney Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 254) · FFIEC NIC profile (RSSD 740249)