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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.55% | 1.55% | 1.25% | 1.14% | 1.29% | 1.15% | 1.42% | 1.42% | +28 bps | |
| Return on Equity | 13.81% | 13.90% | 11.57% | 10.39% | 11.37% | 9.87% | 12.35% | 12.38% | +199 bps | |
| Net Interest Margin | 3.48% | 3.55% | 3.51% | 3.64% | 3.78% | 3.86% | 3.85% | 3.94% | +30 bps | |
| Efficiency Ratio | 57.50% | 61.86% | 62.70% | 61.71% | 63.09% | 63.49% | 61.68% | 60.04% | -167 bps | |
| Non-Interest Burden | 1.44% | 1.84% | 1.87% | 1.91% | 2.05% | 2.11% | 2.03% | 1.98% | +7 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 | -0.20% | -0.02% | 0.01% | 0.03% | 0.03% | -0.02% | 0.06% | 0.05% | +3 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 | |