Lexington, KY · Cert 32912 · Whitaker Bank Corp. of Kentucky
State charter, Fed member · FED · 46 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
57
Profitability
66
Liquidity
19
Efficiency
48
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lexington, KY · Cert 32912 · Whitaker Bank Corp. of Kentucky
State charter, Fed member · FED · 46 branches
Q2 2026
Market Position · Lexington-Fayette, KY · 2026 SOD (annual) · 2.6% share · #12 of 36 inst. · $0.4B of $16.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.32% | 1.25% | 1.20% | 1.23% | 1.21% | 1.42% | 1.42% | +23 bps | |
| Return on Equity | 11.41% | 12.21% | 11.57% | 11.04% | 11.10% | 10.83% | 12.35% | 12.34% | +130 bps | |
| Net Interest Margin | 3.45% | 3.47% | 3.51% | 3.57% | 3.63% | 3.71% | 3.85% | 3.88% | +32 bps | |
| Efficiency Ratio | 61.70% | 61.74% | 62.70% | 62.20% | 62.51% | 62.76% | 61.68% | 60.85% | -135 bps | |
| Non-Interest Burden | 1.75% | 1.77% | 1.87% | 1.89% | 1.94% | 1.99% | 2.03% | 2.00% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.04% | -1.04% | 2.11% | 1.01% | 1.61% | 0.69% | 0.21% | 1.11% | +10 bps | |
| Loan Growth (YoY) | 8.78% | 4.37% | 1.94% | 2.92% | 3.01% | 7.42% | 6.96% | 6.20% | +327 bps | |
| Deposit Growth (YoY) | -2.92% | 1.24% | 1.17% | 0.05% | 1.19% | -0.76% | -0.01% | 0.17% | +12 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.17% | 0.11% | 0.13% | 0.15% | 0.10% | 0.21% | 0.21% | +8 bps | |
| Net Charge-Offs / Loans | -0.11% | -0.09% | 0.01% | 0.02% | 0.02% | 0.01% | 0.06% | 0.06% | +4 bps | |
| Allowance / Loans | 1.59% | 1.51% | 1.51% | 1.53% | 1.52% | 1.50% | 1.49% | 1.50% | -3 bps | |
| Allowance Coverage of NPLs | 10.8x | 9.0x | 14.3x | 11.7x | 9.9x | 15.3x | 7.0x | 7.1x | -4.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.45% | 13.12% | 13.16% | 13.14% | 13.18% | 12.79% | 12.86% | 12.89% | -25 bps | |
| Total Risk-Based Capital | 13.45% | 13.12% | 13.16% | 13.14% | 13.18% | 12.79% | 12.86% | 12.89% | -25 bps | |
| Equity / Assets | 11.80% | 10.54% | 11.01% | 10.98% | 11.70% | 11.69% | 11.36% | 11.55% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.56% | 62.49% | 61.80% | 64.40% | 65.72% | 67.64% | 66.11% | 68.28% | +388 bps | |
| Liquid Assets / Assets | 0.94% | 3.91% | 5.15% | 3.38% | 3.55% | 2.77% | 5.49% | 4.00% | +62 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 204% | 218% | 214% | n/a | n/a | |
Lexington, KY · Cert 32912 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Whitaker Bank Corp. of Kentucky
State charter, Fed member · FED · 46 branches
Q2 2026
Return on Assets
1.42%
Rank 79 of 258
Net Interest Margin
3.88%
Rank 64 of 258
Efficiency Ratio
60.85%
Rank 135 of 257
Equity / Assets
11.55%
Rank 76 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.42% | 0.93% | 1.23% | 1.54% | Beats 69% | 79 / 258 | ||
| Return on Equity | 12.28% | 9.26% | 11.84% | 14.74% | Beats 53% | 121 / 258 | ||
| Net Interest Margin | 3.88% | 3.16% | 3.49% | 3.88% | Beats 75% | 64 / 258 | ||
| Efficiency Ratio | 60.85% | 51.71% | 60.30% | 69.65% | Beats 48% | 135 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.19% | 0.46% | 0.90% | Beats 73% | 71 / 258 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.02% | 0.07% | Beats 40% | 155 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.89% | 11.41% | 12.98% | 15.12% | Beats 48% | 133 / 258 | ||
| Total Risk-Based Capital Ratio | 12.89% | 12.10% | 13.91% | 16.08% | Beats 35% | 167 / 258 | ||
| Equity / Assets | 11.55% | 9.09% | 10.24% | 11.72% | Beats 71% | 76 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.28% | 73.24% | 86.34% | 95.95% | 17th pctl | 215 / 258 | ||
| Loans / Assets | 57.31% | 63.01% | 72.27% | 78.40% | 14th pctl | 223 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||