Whitaker Bank, Inc.
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
$1.9BAssets
$1.1BLoans
$1.6BDeposits
$222.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 75% of banks $1B-$10B in assets operating in a single state (rank 64 of 258).
- Widest gap: total risk-based capital ratio trails 65% of banks $1B-$10B in assets operating in a single state (rank 167 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $39.6M · efficiency ratio beats 48% of banks $1B-$10B in assets operating in a single state | 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 |