WHITAKER BANK

FDIC #32912 · KY · period 20260630

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Total assets1,370,880+2.29% YoY

Total deposits1,118,144+2.14% YoY

Net loans and leases658,541+4.11% YoY

Return on assets0.51%-16.15% YoY

Return on equity4.28%-11.39% YoY

Net interest margin3.31%+0.37% YoY

Peer position

Return on assets65thin line · n=902

Return on equity52ndin line · n=894

Net interest margin81ststrength · n=902

Equity to assets69thin line · n=894

Noncurrent loans77thstrength · n=887

Liquid assets88thstrength · n=895

Brokered deposits100thstrength · n=890

Loans to deposits87thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,370,880	1,118,144	658,541	0.51	4.28	3.31
2016-06-30	1,352,061	1,103,544	661,503	0.57	4.68	3.33
2016-09-30	1,336,466	1,086,846	660,654	0.60	4.85	3.36
2016-12-31	1,328,334	1,086,999	658,667	0.61	4.89	3.36
2017-03-31	1,340,143	1,094,766	632,523	0.61	4.83	3.30
2017-06-30	1,330,337	1,085,708	637,619	0.60	4.72	3.35
2017-09-30	1,307,973	1,063,216	621,295	0.58	4.51	3.39
2017-12-31	1,300,124	1,062,929	621,725	0.57	4.43	3.42
2018-03-31	1,295,973	1,064,363	617,137	0.73	5.64	3.48
2018-06-30	1,280,599	1,044,645	619,725	0.64	4.91	3.53
2018-09-30	1,239,240	1,000,932	627,251	0.83	6.31	3.59
2018-12-31	1,216,056	985,040	627,089	0.92	6.91	3.64
2019-03-31	1,181,923	950,411	627,236	0.80	5.32	3.71
2019-06-30	1,174,013	931,510	648,092	0.89	5.86	3.77
2019-09-30	1,168,076	921,753	637,308	1.03	6.64	3.80
2019-12-31	1,155,026	912,707	618,543	1.08	6.88	3.82
2020-03-31	1,188,008	935,372	601,689	0.86	5.18	3.58
2020-06-30	1,289,546	1,026,275	638,623	0.96	5.94	3.76
2020-09-30	1,304,254	1,043,453	637,671	0.81	5.09	3.53
2020-12-31	1,826,151	1,451,849	899,430	0.82	5.38	3.42
2021-03-31	1,999,392	1,629,722	892,694	0.97	7.17	3.23
2021-06-30	2,050,181	1,685,089	872,253	0.93	6.99	3.14
2021-09-30	2,063,331	1,689,604	833,275	0.85	6.47	2.95
2021-12-31	2,063,401	1,705,885	839,973	0.74	5.77	2.85
2022-03-31	2,079,051	1,753,760	835,517	0.80	6.99	2.59
2022-06-30	2,054,514	1,763,770	862,549	0.94	8.81	2.74
2022-09-30	2,034,738	1,762,079	861,756	0.98	9.78	2.93
2022-12-31	2,018,525	1,721,253	889,161	1.07	10.93	3.07
2023-03-31	1,978,611	1,684,049	884,526	1.11	12.00	3.54
2023-06-30	1,956,886	1,661,858	905,408	1.19	12.77	3.62
2023-09-30	1,897,907	1,642,385	930,515	1.20	12.95	3.70
2023-12-31	1,906,901	1,591,307	949,378	1.26	13.26	3.75
2024-03-31	1,887,297	1,612,430	973,296	1.00	9.58	3.78
2024-06-30	1,886,227	1,613,392	994,246	1.08	10.27	3.84
2024-09-30	1,897,150	1,594,465	1,013,038	1.24	11.41	3.85
2024-12-31	1,886,997	1,610,995	991,528	1.32	12.21	3.89
2025-03-31	1,927,178	1,631,326	992,902	1.25	11.57	3.91
2025-06-30	1,905,255	1,614,175	1,023,674	1.20	11.04	3.99
2025-09-30	1,927,652	1,613,515	1,044,262	1.23	11.10	4.05
2025-12-31	1,900,058	1,598,809	1,065,283	1.21	10.83	4.11
2026-03-31	1,931,310	1,631,125	1,062,237	1.42	12.35	4.26
2026-06-30	1,926,362	1,616,892	1,087,373	1.42	12.34	4.30

Structure and branch footprint

46 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2020-12-01	1	746513	1445943
2008-07-01	1	538240	1445943
2004-08-21	1	170912	1445943
2004-08-21	1	725611	1445943
2004-05-22	1	697110	1445943
2004-05-22	1	489940	1445943
2001-07-14	1	357610	1445943
2000-09-30	1	342719	1445943
1997-07-01	1	841614	1445943
1997-07-01	1	1003914	1445943
1990-04-20	50	801917	1445943

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.