Whitaker Bank, Inc: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 5.41 percentage points in Q2 2026, from 51.71% to 57.12%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Whitaker Bank, Inc is 100th of 120 on loan-to-deposit ratio, 68.28% as of Q2 2026, below the middle of the field. Whitaker Bank, Inc reported 68.28% on loan-to-deposit ratio for Q2 2026, 19.92 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.10B |
| Net loans and leases | $1.09B |
| Loans held for sale | $0 |
| Loans to total assets | 57.31% |
| Loan-to-deposit ratio | 68.28% |
| Net loans to equity capital | 4.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.53% |
| Multifamily (5+ residential) | 6.33% |
| Commercial and industrial | 4.30% |
| Consumer | 2.28% |
| Credit cards | 0.39% |
| Farm | 3.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.44% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 125.19% |
| Construction concentration (Tier 1 capital + allowance) | 57.12% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.18% |
| Interest income on loans | $16.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $946.4M | $1.64B | 33.95% | 4.56% | 3.72% |
| Q4 2023 | $964.6M | $1.59B | 33.97% | 4.31% | 3.52% |
| Q1 2024 | $988.9M | $1.61B | 33.96% | 5.18% | 3.30% |
| Q2 2024 | $1.01B | $1.61B | 34.74% | 4.85% | 3.07% |
| Q3 2024 | $1.03B | $1.59B | 34.94% | 4.95% | 2.91% |
| Q4 2024 | $1.01B | $1.61B | 32.19% | 4.59% | 2.90% |
| Q1 2025 | $1.01B | $1.63B | 32.25% | 4.74% | 2.78% |
| Q2 2025 | $1.04B | $1.61B | 31.66% | 4.34% | 2.73% |
| Q3 2025 | $1.06B | $1.61B | 30.88% | 4.46% | 2.65% |
| Q4 2025 | $1.08B | $1.60B | 30.19% | 4.32% | 2.50% |
| Q1 2026 | $1.08B | $1.63B | 30.53% | 4.38% | 2.39% |
| Q2 2026 | $1.10B | $1.62B | 29.53% | 4.30% | 2.28% |
Whitaker Bank, Inc loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Whitaker Bank, Inc, freeSource: Call Report Schedule RC-C, 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 Whitaker Bank, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32912) · FFIEC NIC profile (RSSD 1445943)