First Whitney Bank and Trust is a state-chartered bank headquartered in Atlantic, Iowa, in business for about 119 years. At the end of Q2 2026 it reported $287.5M in total assets and $254.8M in deposits, with 2 offices.
First Whitney Bank and Trust has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 34th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (65/100, 11.53%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (81 → 84), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 77 |
| Q4 2024 | 76 |
| Q1 2025 | 79 |
| Q2 2025 | 81 |
| Q3 2025 | 82 |
| Q4 2025 | 81 |
| Q1 2026 | 80 |
| Q2 2026 | 84 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.82% |
| Q3 2024 | 11.15% |
| Q4 2024 | 10.85% |
| Q1 2025 | 11.13% |
| Q2 2025 | 11.42% |
| Q3 2025 | 11.72% |
| Q4 2025 | 12.13% |
| Q1 2026 | 10.92% |
| Q2 2026 | 11.53% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.07% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.08% |
| Q3 2024 | 1.07% |
| Q4 2024 | 1.04% |
| Q1 2025 | 1.26% |
| Q2 2025 | 1.33% |
| Q3 2025 | 1.38% |
| Q4 2025 | 1.36% |
| Q1 2026 | 1.48% |
| Q2 2026 | 1.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $287.5M | 11.53% | 0.00% | 1.62% | 62.5% |
| Q1 2026 | 80 | $299.0M | 10.92% | 0.01% | 1.48% | 62.8% |
| Q4 2025 | 81 | $304.2M | 12.13% | 0.07% | 1.36% | 69.6% |
| Q3 2025 | 82 | $293.4M | 11.72% | 0.01% | 1.38% | 59.5% |
| Q2 2025 | 81 | $290.3M | 11.42% | 0.00% | 1.33% | 59.7% |
| Q1 2025 | 79 | $291.4M | 11.13% | 0.00% | 1.26% | 56.7% |
| Q4 2024 | 76 | $287.9M | 10.85% | 0.00% | 1.04% | 62.2% |
| Q3 2024 | 77 | $285.5M | 11.15% | 0.00% | 1.07% | 62.3% |
| Q2 2024 | 77 | $267.0M | 10.82% | 0.00% | 1.08% | 63.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Home Trust & Savings BankBank Osage, IA | 69 out of 100, Moderate | $287.7M | 10.8% | 0.80% | vs |
| Fairfax State Savings BankBank Fairfax, IA | 67 out of 100, Moderate | $287.0M | 9.5% | 0.25% | vs |
| United Community BankBank Milford, IA | 51 out of 100, Below average | $290.0M | 8.5% | 1.51% | vs |
| State Savings BankBank West Des Moines, IA | 58 out of 100, Moderate | $291.9M | 8.7% | 1.02% | vs |
| Pioneer BankBank Sergeant Bluff, IA | 77 out of 100, Strong | $282.8M | 10.6% | 0.09% | vs |
| Crawford County Trust and Savings BankBank Denison, IA | 80 out of 100, Strong | $294.5M | 9.9% | 0.03% | vs |
Deposit insurance
Is my money safe at First Whitney Bank and Trust?
Yes. First Whitney Bank and Trust is an FDIC-insured institution (FDIC certificate #254). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.3% of deposits ($79.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.60% (benchmark: 10%).
2 locations
Branches
First Whitney Bank and Trust lists 1 office in 1 city. Most locations:
- Atlantic, IA (1)
Identity & history
Profile
- Legal name
- First Whitney Bank and Trust
- Type
- State-chartered bank
- FDIC certificate #
- 254
- RSSD ID
- 740249
- Primary regulator
- FDIC
- Holding company
- Whitney Corp of Iowa
- Established
- January 1, 1907
- Headquarters
- 223 Chestnut St, Atlantic, IA 50022
- Website
- www.firstwhitneybank.com
- Employees
- 20
Quick answers
First Whitney Bank and Trust: common questions
Is First Whitney Bank and Trust FDIC insured?
Yes. First Whitney Bank and Trust is an FDIC-insured institution (FDIC certificate #254). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Whitney Bank and Trust's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Whitney Bank and Trust ever failed?
There is no failure record for FDIC certificate #254 in the FDIC failed bank list.
How many branches does First Whitney Bank and Trust have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Atlantic
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FNB BankBank Fontanelle, IA | 91 out of 100, Very strong | $274.6M | 14.5% | 0.02% | vs |
| Crawford County Trust and Savings BankBank Denison, IA | 80 out of 100, Strong | $294.5M | 9.9% | 0.03% | vs |
| Midstates Bank, National AssociationBank Council Bluffs, IA | 79 out of 100, Strong | $653.9M | 11.6% | 0.29% | vs |
| Rolling Hills Bank & TrustBank Atlantic, IA | 77 out of 100, Strong | $484.4M | 11.8% | 0.30% | vs |
| Farmers Trust & Savings BankBank Earling, IA | 77 out of 100, Strong | $148.1M | 9.0% | 0.00% | vs |
| The Shelby County State BankBank Harlan, IA | 74 out of 100, Strong | $523.6M | 10.0% | 0.40% | vs |