Whitaker Bank
Lexington, KY
IDRSSD: 1445943
Total Assets
$1.90B
Latest filing
Total Deposits
$1.60B
Latest filing
Net Interest Margin
4.26%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
042104168LEXINGTON, KY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Whitaker Bank
2001 Pleasant Ridge Dr
Lexington, KY 40509
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/19/1990FDIC Certificate 45826
Branches (45)
Page 1 of 7| Name | Address | City / State |
|---|---|---|
| Whitaker Bank (Main) | 2001 Pleasant Ridge Dr | Lexington, KY |
| 39 PUBLIC SQUARE BRANCH | 39 Public Sq | Lancaster, KY |
| PEOPLES BANK AND TRUST COMPANY OF MADISON COUNTY BANK BRANCH | 419 Chestnut St | Berea, KY |
| BEREA NATIONAL BANK BRANCH | 424 Chestnut St | Berea, KY |
| CORBIN BRANCH | 100 N Main St | Corbin, KY |
| FIRST NATIONAL BANK AND TRUST COMPANY BRANCH | 101 W Main St | Georgetown, KY |
| MOUNT STERLING BANK BRANCH | 30 W Main St | Mount Sterling, KY |
| MOREHEAD BANK BRANCH | 140 E Main St | Morehead, KY |
Showing 7 of 45
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 04/19/1990 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40509 |
| State and County Number | 21067 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Lexington-Fayette, KY |
Operational Info
| Number of Employees | 387 |
| Domestic Offices | 46 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/19/1990 |
| Primary Insurance Agency | DIF |
| Website | www.whitakerbank.com |
| Data Updated | 01/30/2026 |
| CERT | 32912 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.90B |
| Total Deposits | $1.60B |
| Total Liabilities | $1.68B |
| Total Equity Capital | $222.18M |
| Net Income | $5.52M |
| Net Loans and Leases | $1.07B |
| Assets Per Employee ($Millions) | $5.01M |
| Bank Premises and Fixed Assets | $36.67M |
| Cash and Balances due from Depository Institutions | $77.08M |
| Deposits Held in Domestic Offices | $1.60B |
Key Performance Ratios
| Return on Assets (ROA) | 1.15% |
| Return on Equity (ROE) | 9.87% |
| Net Interest Margin | 4.26% |
| Efficiency Ratio | 63.49% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.693% |
| Earning Assets to total Assets | 91.98% |
Income and Expense
| Total Interest Income | $21.58M |
| Total Noninterest Income | $4.26M |
| Total Interest Expense | $2.80M |
| Total Noninterest Expense | $14.62M |
| Net Interest Income | $18.77M |
| Pre-tax Net Operating Income | $8.84M |
| Provision for Credit Losses | $-429,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $381.00k |
| Other borrowed funds | $6.27M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $62.62M |
| All Other Liabilities | $10.18M |
| Total Liabilities and Capital | $1.90B |
Securities
| Securities | $629.80M |
| Available-for-sale debt securities | $629.65M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Whitaker Bank?
$1.90B as of the latest filing.
How much are Whitaker Bank's total deposits?
$1.60B in total deposits.
Where is Whitaker Bank located?
Lexington, KY.
What is the Net Interest Margin?
4.26%.
How many domestic offices does it operate?
46.
When was it established?
04/19/1990.
What is the Return on Assets (ROA)?
1.15%.
How much are total loans and leases?
$1.07B (latest filing).
What is the total interest income (latest filing)?
$21.58M.