BlastPoint's Banking Scorecard
Whitaker Bank
Community
Specialty: Commercial
KY
FDIC cert 32912
Lexington, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Whitaker Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 49% in Community
- + Non-Interest-Bearing Deposit Share 12.90% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 19% in Community
- - Margin Compression: Bottom 29% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+0.7% YoY
-1.4% QoQ
|
+$508.6M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$1.1B
+7.4% YoY
+2.0% QoQ
|
+$89.8M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$1.6B
-0.8% YoY
-0.9% QoQ
|
+$434.2M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
1.21%
-7.9% YoY
-1.3% QoQ
|
+0.05% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
4.11%
+5.7% YoY
+1.5% QoQ
|
+0.45% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
62.76%
+1.7% YoY
+0.4% QoQ
|
+0.13% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.10%
-41.5% YoY
-36.3% QoQ
|
-0.53% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
66.63%
+8.3% YoY
+3.0% QoQ
|
-16.43% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
33.95%
+6.5% YoY
+1.5% QoQ
|
+12.90% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.08%
-15.1% YoY
-27.3% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.86%
-9.7% YoY
+37.3% QoQ
|
+0.12% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#184 of 371 · Top 49% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.10%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Top 10%
in Community
Why this stands out
Current:
33.95%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (2)
Capital Thin
risk
#81 of 432 · Bottom 19% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#36 of 120 · Bottom 29% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.21%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.95% · Tier avg: 21.05%
84
84th pctile
Loan-to-Deposit Ratio
Current: 66.63% · Tier avg: 83.06%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
82
82th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
81
81th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.74%
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
74
74th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.66%
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
57
57th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
48
48th pctile
Efficiency Ratio
Current: 62.76% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
48
48th pctile
Efficiency Ratio
Current: 62.76% · Tier avg: 62.63%
57
57th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
74
74th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.66%
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
81
81th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.74%
82
82th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
84
84th pctile
Loan-to-Deposit Ratio
Current: 66.63% · Tier avg: 83.06%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.95% · Tier avg: 21.05%