Whitaker Bank, Inc: 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.
Reserve coverage of non-performing loans climbed 163.40 percentage points in Q2 2026, from 958.00% to 1121.40%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Whitaker Bank, Inc is 52nd of 119 on return on assets, 1.38% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Whitaker Bank, Inc sits 0.10 points higher, at 1.38% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.89% |
| Equity capital to assets | 11.55% |
| Tangible equity to tangible assets | 10.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 1.26% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | 1121.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.38% |
| Return on equity | 12.38% |
| Net interest margin | 4.15% |
| Efficiency ratio | 59.47% |
| Yield on earning assets | 4.70% |
| Cost of funds | 0.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.28% |
| Core deposits to total deposits | 99.23% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.94% |
| Securities to assets | 31.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.42% | 1.15% | 3.59% | 0.31% | -0.12% |
| Q4 2023 | 12.81% | 1.39% | 3.65% | 0.11% | -0.11% |
| Q1 2024 | 13.01% | 0.96% | 3.54% | 0.13% | -0.11% |
| Q2 2024 | 13.23% | 1.12% | 3.65% | 0.11% | -0.04% |
| Q3 2024 | 13.45% | 1.49% | 3.66% | 0.13% | -0.20% |
| Q4 2024 | 13.12% | 1.49% | 3.73% | 0.14% | -0.02% |
| Q1 2025 | 13.16% | 1.21% | 3.69% | 0.08% | 0.01% |
| Q2 2025 | 13.14% | 1.11% | 3.82% | 0.09% | 0.03% |
| Q3 2025 | 13.18% | 1.25% | 3.98% | 0.10% | 0.03% |
| Q4 2025 | 12.79% | 1.12% | 4.07% | 0.05% | -0.02% |
| Q1 2026 | 12.86% | 1.38% | 4.06% | 0.16% | 0.06% |
| Q2 2026 | 12.89% | 1.38% | 4.15% | 0.13% | 0.05% |
Whitaker Bank, Inc vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Whitaker Bank, Inc, 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 Whitaker Bank, Inc profile, peer group comparison, or how this data updates.
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