A
Whitaker Bank, Inc
Rating Date
June 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 4.60
Profitability Index 6.30
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 2.11%
5-Year Asset Growth 12.67%
5-Year Charge-Offs to Average Loans -0.08%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.06%
Non-Performing Loans to Capital 0.39%
Non-Performing Loans to Loans 0.08%
Balance Sheet Whitaker Bank, Inc
Lexington, KY
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Total Assets 1.93B
Total Deposits 1.63B
Capital and Reserves Whitaker Bank, Inc
Lexington, KY
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Capital 212.17M
Leverage Ratio 13.16
Loan Loss Reserves to Loans 1.51%
Risk-Based Capital Ratio --
Liquidity Whitaker Bank, Inc
Lexington, KY
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Hot Money Ratio 9.07%
Liquidity Ratio 27.37%
Profitability Whitaker Bank, Inc
Lexington, KY
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5-Year Return on Average Assets 1.05%
Net Income 5.95M
Net Interest Spread 3.70%
Operating Profit to Average Assets 1.58%
Overhead Efficiency Ratio 62.70%
Return on Assets 1.21%
Return on Equity 11.57%