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Whitaker Bank

$1B-$10B Specialty: Commercial KY FDIC cert 32912

Designations: ✓ Community bank

Lexington, KY

46 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in KY.
  • Deposits +0.2% year over year ($1.6B on the books).
  • Delinquency rate 0.22%.
  • Return on assets 1.42%.
  • Efficiency ratio 60.85% vs a 59.73% peer average.
  • Loan-to-deposit ratio 67.25% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in KY
View $1B-$10B leaderboard (KY) →

Whitaker Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 5.0% in tier
  • + Deposit Franchise: Top 58.8% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 16.9% in tier
  • - Credit Risk Growth: Bottom 26.6% in tier
  • - Efficiency Ratio 1.12% above tier average
Get updates when Whitaker Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $1.9B
+1.1% YoY -0.3% QoQ
-$866.9M $2.8B
-0.6% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
48%
Total Loans ? $1.1B
+6.2% YoY +2.4% QoQ
-$875.8M $2.0B
-0.3% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
36%
Total Deposits ? $1.6B
+0.2% YoY -0.9% QoQ
-$701.9M $2.3B
-0.5% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
49%
Return on Assets ? 1.42%
+18.8% YoY -0.0% QoQ
+0.03% 1.39%
+17.0% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
65%
Net Interest Margin ? 4.30%
+8.0% YoY +1.1% QoQ
+0.43% 3.87%
+6.2% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
81%
Efficiency Ratio ? 60.85%
-2.2% YoY -1.3% QoQ
+1.12% 59.73%
-12.6% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
44%
Delinquency Rate ? 0.22%
+62.1% YoY -0.2% QoQ
-0.65% 0.87%
+11.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
77%
Loan-to-Deposit Ratio ? 67.25%
+6.0% YoY +3.3% QoQ
-17.78% 85.04%
-0.1% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Top 12.9% in tier
Non-Interest-Bearing Deposit Share ? 35.19%
+6.5% YoY +2.7% QoQ
+13.92% 21.27%
-1.5% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Top 8.4% in tier
Nonperforming Asset Ratio ? 0.14%
+54.7% YoY +2.1% QoQ
-0.53% 0.67%
+11.7% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
80%
Tier 1 Capital Ratio ? 12.89%
-1.9% YoY +0.3% QoQ
-1.95% 14.84%
-0.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.44%
+6.0% YoY +110.0% QoQ
-0.08% 0.53%
+2.5% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
75%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 35.2%
+2.2pp YoY
+0.9pp QoQ
 +13.8pp 21.4% 23.5% 22.2% 92%
Brokered Deposits n/a n/a 9.5% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 4.4%
0.0pp YoY
-0.1pp QoQ
 -9.6pp 14.0% 8.6% 12.5% 16%
CRE 50.5%
-0.2pp YoY
0.0pp QoQ
 +0.5pp 50.0% 37.1% 41.4% 53%
1-4 Family 40.2%
+1.1pp YoY
+0.4pp QoQ
 +13.8pp 26.4% 41.6% 31.3% 82%
Consumer 2.3%
-0.5pp YoY
-0.1pp QoQ
 -2.4pp 4.7% 4.8% 5.0% 67%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 20.2% 19.7% n/a
Leverage Ratio 12.9%
-0.2pp YoY
0.0pp QoQ
 +1.6pp 11.3% 14.0% 12.6% 84%
Total Capital Ratio n/a n/a 16.7% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 382
-22 (-5.4%) YoY
+1 (+0.3%) QoQ
 +68 313 105 482 76%
Assets per Employee ($) $5.0M
+6.9% YoY
-0.5% QoQ
 -$5.4M $10.5M $6.3M $8.8M 4%
Branch Count 46
+1 (+2.2%) YoY
0 QoQ
 +26 20 8 18 92%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.3% 0.4% 73%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.8% 0.8% 1.0% 15%
Allowance Coverage 7.08x
-39.3% YoY
+1.4% QoQ
 -11.63x 18.71x 7.45x 20.23x 83%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 57%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 12.3%
+1.3pp YoY
0.0pp QoQ
 -0.3pp 12.6% 13.3% 11.6% 51%
Cost of Funds (YTD) 0.6%
-0.1pp YoY
0.0pp QoQ
 -1.3pp 1.9% 1.7% 1.7% 2%
Net Income ($, YTD) $13.7M
+19.6% YoY
— QoQ
 -$5.6M $19.2M $5.1M $40.4M 55%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth
#12 of 221 • Top 5.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.22%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Deposit Franchise

growth
#48 of 80 • Top 58.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 35.19%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.30%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#84 of 492 • Bottom 16.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.22%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#108 of 402 • Bottom 26.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

75
Non-Interest-Bearing Deposit Share
funding
Value: 35.19%
Peer Median: 21.27%
#75 of 885 Top 8.4% in $1B-$10B
115
Loan-to-Deposit Ratio
liquidity
Value: 67.25%
Peer Median: 85.04%
#115 of 885 Top 12.9% in $1B-$10B
167
Net Interest Margin
profitability
Value: 4.30%
Peer Median: 3.87%
#167 of 885 Top 18.8% in $1B-$10B
179
Nonperforming Asset Ratio
credit_quality
Value: 0.14%
Peer Median: 0.67%
#179 of 885 Top 20.1% in $1B-$10B
204
Delinquency Rate
credit_quality
Value: 0.22%
Peer Median: 0.87%
#204 of 882 Top 23.0% in $1B-$10B
219
Non-Interest Income / Assets
revenue_mix
Value: 0.44%
Peer Median: 0.53%
#219 of 885 Top 24.6% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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