TellerScore

Headquartered in Lexington, Kentucky, Whitaker Bank is a state-chartered bank (fed member) with $1.9B in total assets and $1.6B in deposits as of Q2 2026. It operates 46 offices. Its charter dates back to 1990.

Whitaker Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 95% of its 897 banks with $1 billion – $10 billion. Among 120 banks headquartered in Kentucky, it ranks 11th. Problem-loan coverage contributes the most (98/100, 1.1%); earnings contributes the least (77/100, 1.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Tier 1 leverage ratio: 12.89%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.21%
Earnings77/100
Return on assets (annualized): 1.42%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 67.3% · 26.8% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.14%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (84 → 84).

TellerScore
838586Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202484
Q3 202486
Q4 202485
Q1 202586
Q2 202584
Q3 202584
Q4 202583
Q1 202684
Q2 202684
Tier 1 leverage ratio
5.00%9.22%13.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.23%
Q3 202413.45%
Q4 202413.12%
Q1 202513.16%
Q2 202513.14%
Q3 202513.18%
Q4 202512.79%
Q1 202612.86%
Q2 202612.89%
Noncurrent loans
0.10%0.16%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.12%
Q3 20240.15%
Q4 20240.17%
Q1 20250.11%
Q2 20250.13%
Q3 20250.15%
Q4 20250.10%
Q1 20260.21%
Q2 20260.21%
Return on assets
1.08%1.25%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.08%
Q3 20241.24%
Q4 20241.32%
Q1 20251.25%
Q2 20251.20%
Q3 20251.23%
Q4 20251.21%
Q1 20261.42%
Q2 20261.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$1.9B12.89%0.21%1.42%67.3%
Q1 202684$1.9B12.86%0.21%1.42%65.1%
Q4 202583$1.9B12.79%0.10%1.21%66.6%
Q3 202584$1.9B13.18%0.15%1.23%64.7%
Q2 202584$1.9B13.14%0.13%1.20%63.4%
Q1 202586$1.9B13.16%0.11%1.25%60.9%
Q4 202485$1.9B13.12%0.17%1.32%61.5%
Q3 202486$1.9B13.45%0.15%1.24%63.5%
Q2 202484$1.9B13.23%0.12%1.08%61.6%

897 peers · $1 billion – $10 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).

Capital ratio12.89%
84th
Total risk-based capital0.00%
13th
Problem loans0.21%
76th
Net charge-offs0.06%
41st
Return on assets1.42%
65th
Net interest margin4.30%
81st
Efficiency ratio60.8%
44th
Loans to deposits67.3%
87th
Uninsured deposits26.8%
64th
Loan-loss reserves1.50%
86th
Texas ratio1.1%
81st

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Planters Bank, Inc.Bank Hopkinsville, KY77 out of 100, Strong$2.0B12.4%0.11%vs
Heritage Bank, Inc.Bank Burlington, KY65 out of 100, Moderate$2.0B9.0%0.47%vs
Forcht Bank, National AssociationBank Lexington, KY66 out of 100, Moderate$1.6B8.2%0.05%vs
South Central Bank, Inc.Bank Glasgow, KY72 out of 100, Strong$2.3B9.9%0.30%vs
The Cecilian BankBank Cecilia, KY77 out of 100, Strong$1.6B11.0%0.40%vs
Traditional Bank, Inc.Bank Mount Sterling, KY73 out of 100, Strong$2.4B10.6%0.25%vs

Deposit insurance

Is my money safe at Whitaker Bank?

Yes. Whitaker Bank is an FDIC-insured institution (FDIC certificate #32912). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.8% of deposits ($432.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

46 locations

Branches

Whitaker Bank lists 44 offices in 21 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Whitaker Bank
Former names
Whitaker Bank, National Association; The National Bank of Corinth
Type
State-chartered bank (Fed member)
FDIC certificate #
32912
RSSD ID
1445943
Primary regulator
FED
Holding company
Whitaker Bank Corp of Kentucky
Established
April 19, 1990
Headquarters
2001 Pleasant Ridge Dr, Lexington, KY 40509
Employees
382

Quick answers

Whitaker Bank: common questions

Is Whitaker Bank FDIC insured?

Yes. Whitaker Bank is an FDIC-insured institution (FDIC certificate #32912). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Whitaker Bank'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 Whitaker Bank ever failed?

There is no failure record for FDIC certificate #32912 in the FDIC failed bank list.

How many branches does Whitaker Bank have?

46 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lexington

InstitutionScoreAssetsCapitalProblem loansCompare
The Health & Education Federal Credit UnionCredit union Lexington, KY97 out of 100, Very strong$125.8M17.7%0.23%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Citizens Bank of Kentucky, Inc.Bank Paintsville, KY79 out of 100, Strong$669.9M13.5%0.85%vs