A
Whitaker Bank, Inc
Rating Date
October 2025
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 8.70
Capitalization Index 10.00
Liquidity Index 4.40
Profitability Index 6.20
Stability Index 9.50
Company Info Whitaker Bank, Inc
Lexington, KY
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FDIC Number 32912
Phone Number (859) 543-4040
Website www.whitakerbank.com
Asset Quality Whitaker Bank, Inc
Lexington, KY
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1-Year Asset Growth 1.01%
5-Year Asset Growth 12.67%
5-Year Charge-Offs to Average Loans -0.08%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.07%
Non-Performing Loans to Capital 0.50%
Non-Performing Loans to Loans 0.09%
Balance Sheet Whitaker Bank, Inc
Lexington, KY
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Total Assets 1.91B
Total Deposits 1.61B
Capital and Reserves Whitaker Bank, Inc
Lexington, KY
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Capital 209.29M
Leverage Ratio 13.14
Loan Loss Reserves to Loans 1.53%
Risk-Based Capital Ratio --
Liquidity Whitaker Bank, Inc
Lexington, KY
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Hot Money Ratio 9.39%
Liquidity Ratio 24.63%
Profitability Whitaker Bank, Inc
Lexington, KY
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5-Year Return on Average Assets 1.05%
Net Income 11.42M
Net Interest Spread 3.77%
Operating Profit to Average Assets 1.51%
Overhead Efficiency Ratio 62.20%
Return on Assets 1.16%
Return on Equity 10.97%