A
Whitaker Bank, Inc
Rating Date
August 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 6.80
Stability Index 9.60
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 1.11%
5-Year Asset Growth 0.81%
5-Year Charge-Offs to Average Loans -0.07%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 0.87%
Non-Performing Loans to Loans 0.13%
Balance Sheet Whitaker Bank, Inc
Lexington, KY
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Total Assets 1.93B
Total Deposits 1.62B
Capital and Reserves Whitaker Bank, Inc
Lexington, KY
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Capital 222.43M
Leverage Ratio 12.89
Loan Loss Reserves to Loans 1.50%
Risk-Based Capital Ratio --
Liquidity Whitaker Bank, Inc
Lexington, KY
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Hot Money Ratio 9.23%
Liquidity Ratio 21.99%
Profitability Whitaker Bank, Inc
Lexington, KY
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5-Year Return on Average Assets 1.08%
Net Income 13.66M
Net Interest Spread 4.11%
Operating Profit to Average Assets 1.78%
Overhead Efficiency Ratio 60.85%
Return on Assets 1.38%
Return on Equity 12.37%