A
Whitaker Bank, Inc
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Whitaker Bank, Inc
Lexington, KY
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Rating A
Asset Quality Index 8.60
Capitalization Index 10.00
Liquidity Index 4.10
Profitability Index 5.90
Stability Index 9.80
Company Info Whitaker Bank, Inc
Lexington, KY
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FDIC Number 32912
Phone Number (859) 543-4000
Website www.whitakerbank.com
Asset Quality Whitaker Bank, Inc
Lexington, KY
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1-Year Asset Growth 0.69%
5-Year Asset Growth 0.81%
5-Year Charge-Offs to Average Loans -0.08%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.40%
Non-Performing Loans to Loans 0.05%
Balance Sheet Whitaker Bank, Inc
Lexington, KY
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Total Assets 1.90B
Total Deposits 1.60B
Capital and Reserves Whitaker Bank, Inc
Lexington, KY
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Capital 222.18M
Leverage Ratio 12.79
Loan Loss Reserves to Loans 1.50%
Risk-Based Capital Ratio --
Liquidity Whitaker Bank, Inc
Lexington, KY
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Hot Money Ratio 9.49%
Liquidity Ratio 22.42%
Profitability Whitaker Bank, Inc
Lexington, KY
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5-Year Return on Average Assets 1.05%
Net Income 23.12M
Net Interest Spread 3.90%
Operating Profit to Average Assets 1.52%
Overhead Efficiency Ratio 62.76%
Return on Assets 1.17%
Return on Equity 10.79%