First Whitney Bank and Trust
Atlantic, IA
IDRSSD: 740249
Total Assets
$293.35M
Latest filing
Total Deposits
$255.49M
Latest filing
Net Interest Margin
2.65%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Whitney Bank and Trust
223 Chestnut St
Atlantic, IA 50022
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1907FDIC Certificate 203
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Whitney Bank and Trust (Main) | 223 Chestnut St | Atlantic, IA |
| DRIVE-IN BRANCH | 700 Chestnut St | Atlantic, IA |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50022 |
| State and County Number | 19029 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 20 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.firstwhitneybank.com |
| Data Updated | 11/14/2025 |
| CERT | 254 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $293.35M |
| Total Deposits | $255.49M |
| Total Liabilities | $262.49M |
| Total Equity Capital | $30.86M |
| Net Income | $1.08M |
| Net Loans and Leases | $152.06M |
| Assets Per Employee ($Millions) | $14.67M |
| Bank Premises and Fixed Assets | $501.00k |
| Cash and Balances due from Depository Institutions | $17.43M |
| Deposits Held in Domestic Offices | $255.49M |
Key Performance Ratios
| Return on Assets (ROA) | 1.48% |
| Return on Equity (ROE) | 14.79% |
| Net Interest Margin | 2.65% |
| Efficiency Ratio | 42.34% |
| Tier 1 Risk-Based Capital Ratio | 14.405% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.521% |
| Earning Assets to total Assets | 96.31% |
Income and Expense
| Total Interest Income | $3.22M |
| Total Noninterest Income | $87.00k |
| Total Interest Expense | $1.35M |
| Total Noninterest Expense | $829.00k |
| Net Interest Income | $1.87M |
| Pre-tax Net Operating Income | $1.13M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $6.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $996.00k |
| Total Liabilities and Capital | $293.35M |
Securities
| Securities | $117.19M |
| Available-for-sale debt securities | $117.13M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Whitney Bank and Trust?
$293.35M as of the latest filing.
How much are First Whitney Bank and Trust's total deposits?
$255.49M in total deposits.
Where is First Whitney Bank and Trust located?
Atlantic, IA.
What is the Net Interest Margin?
2.65%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1907.
What is the Return on Assets (ROA)?
1.48%.
How much are total loans and leases?
$152.06M (latest filing).
What is the total interest income (latest filing)?
$3.22M.