Whitaker Bank, Inc
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Data as of · sourced from FFIEC call reports. How we update
Whitaker Bank, Inc is an FDIC-insured commercial bank headquartered in Lexington, KY, established in 1990 (FDIC certificate 32912), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.93B, up 1.1% from Q2 2025, the 10th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.89% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 32912
- Headquarters
- Lexington, KY
- Established
- 1990
- Total assets, Q2 2026
- $1.93B
- Assets vs Q2 2025
- +1.1%
- Tier 1 leverage ratio, Q2 2026
- 12.89%
- Domestic offices
- 46 FDIC institution directory, current count
- Routing number
- 042104168
- Latest call report
- Q2 2026, FFIEC 041 · Whitaker Bank, Inc call report
- Holding company
- WHITAKER BANK CORPORATION OF KENTUCKY
- Asset rank in state
- 10th of 120 in Kentucky
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 0.21% and a Texas ratio of 1.26%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Whitaker Bank, Inc is the 10th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.3% to $1.93B, loans rose 2.4% and deposits fell 0.9%. 1-4 family residential loans made up 39.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.3%. Its 46 offices in the FDIC Summary of Deposits are in 21 cities in KY; its Berea 5 offices book 18% of its branch deposits. By the capital ratios in its Q2 2026 call report, Whitaker Bank, Inc meets the community bank leverage ratio test for well capitalized.
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)
- Domestic offices
- 46 FDIC institution directory, current count
- 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
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. As a community bank leverage ratio filer, Whitaker Bank, Inc reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Whitaker Bank, Inc's total assets ranged from $1.89B (Q2 2024) to $1.93B (Q1 2026), 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
$1.93B total assets against $1.91B; $1.70B total liabilities against $1.70B.
$1.09B net loans and leases against $1.02B; $1.62B total deposits against $1.61B.
$609.3M securities against $661.0M; $100.8M cash and balances due against $88.2M.
$21.9M total interest income against $20.8M; $2.6M total interest expense against $3.1M.
$19.3M net interest income against $17.8M.
$4.5M total noninterest income against $4.0M; $14.2M total noninterest expense against $13.4M.
$692K provision for credit losses against $1.2M.
$6.8M net income against $5.5M.
1.38% return on assets against 1.11%; 4.15% net interest margin against 3.82%.
12.89% tier 1 leverage ratio against 13.14%.
Inside the full Whitaker Bank, Inc terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWhitaker Bank, Inc rankings
Its closest position to the top of a national ranking is 613 of 4,196, for total assets; its furthest is 2,563 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.11% (Q2 2025) to 1.49% (Q3 2024) and its net interest margin ran from 3.66% (Q3 2024) to 4.15% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.89% | 1.38% | 0.21% | 1.26% | 4.15% |
| Q1 2026 | 12.86% | 1.38% | 0.21% | 1.26% | 4.06% |
| Q4 2025 | 12.79% | 1.12% | 0.10% | 0.67% | 4.07% |
| Q3 2025 | 13.18% | 1.25% | 0.15% | 0.92% | 3.98% |
| Q2 2025 | 13.14% | 1.11% | 0.13% | 0.86% | 3.82% |
| Q1 2025 | 13.16% | 1.21% | 0.11% | 0.71% | 3.69% |
| Q4 2024 | 13.12% | 1.49% | 0.17% | 0.88% | 3.73% |
| Q3 2024 | 13.45% | 1.49% | 0.15% | 0.74% | 3.66% |
Swipe the table sideways to see every column.
Branch Network
View all 46 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 |
|---|---|---|---|
| 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 | Structure Change | Acquired State Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | Structure Change | Acquired First National Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 22, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | Structure Change | Acquired The Garrard Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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
Facts as filed or published, not a rating.
- 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.
- 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).
- Not on file
- 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 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.
Where is Whitaker Bank, Inc headquartered?
It is headquartered in Lexington, KY, United States.
When was Whitaker Bank, Inc founded?
It was established in 1990, per the FDIC institution directory.
Is Whitaker Bank, Inc FDIC-insured?
Yes. It 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.
How many branches does Whitaker Bank, Inc operate?
It 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?
Its Texas Ratio is 1.26% 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.
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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