First Whitney Bank and Trust
Atlantic, IA · Cert 254 · Peer group: banks under $1B in assets in IA (n=134-135) · Whitney Corp. of Iowa
State charter, non-member · FDIC · 2 branches
Q2 2026
$287.5MAssets
$159.7MLoans
$254.8MDeposits
$30.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IA (rank 21 of 134).
- Widest gap: net interest margin trails 83% of banks under $1B in assets in IA (rank 112 of 135).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.36%
Rank 50 of 135
Net Interest Margin
2.78%
Rank 112 of 135
Efficiency Ratio
42.59%
Rank 12 of 135
Equity / Assets
10.76%
Rank 75 of 135
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 92% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.92% | 1.19% | 1.47% | Beats 63% | 50 / 135 | | |
| Return on Equity | 12.65% | 7.99% | 10.26% | 13.14% | Beats 70% | 41 / 135 | | |
| Net Interest Margin | 2.78% | 2.95% | 3.41% | 3.73% | Beats 17% | 112 / 135 | | |
| Efficiency Ratio | 42.59% | 50.61% | 57.35% | 63.29% | Beats 92% | 12 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 100% | 21 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 14.41% | 11.23% | 13.31% | 15.45% | Beats 61% | 52 / 135 | | |
| Total Risk-Based Capital Ratio | 14.60% | 11.61% | 14.06% | 16.47% | Beats 58% | 57 / 135 | | |
| Equity / Assets | 10.76% | 9.87% | 11.05% | 13.07% | Beats 44% | 75 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.68% | 68.54% | 81.55% | 91.24% | 17th pctl | 111 / 134 | | |
| Loans / Assets | 55.56% | 57.61% | 68.06% | 76.23% | 21st pctl | 107 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |