# WHITAKER BANK
LEXINGTON, KY · FDIC certificate 32912 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.93B | |
| Deposits | $1.62B | |
| Loans and leases | $1.10B | |
| Total equity | $222.4M | |
| Loans / deposits | 67.25% (p14 of band) | 87.10% |
| Liquid assets / assets | 36.86% (p87 of band) | |
| Uninsured deposits / deposits | 26.78% (p36 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.90% (p40 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.89% (p84 of band) | 10.50% |
| Unrealized securities loss / equity | -32.37% (p8 of band) | -7.75% |
| AOCI / equity | -1.53% (p8 of band) | |
| ROA (annualized) | 1.42% (p65 of band) | 1.26% |
| Net interest margin | 4.30% (p81 of band) | 3.70% |
| Efficiency ratio | 60.85% (p56 of band) | |
| Noncurrent loans | 0.21% (p24 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p56 of band) | |
| Reserve coverage of noncurrent | 707.63% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 69.10% (p71 of band) | |
| Auto loans | $6.6M (0.60% of loans; DQ 2.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.2% | |
| Employees | 382 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | deposits shrinking |  |
| 2012-06 | 1 |  | deposits shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | uninsured deposits leaving |  |
| 2013-06 | 3 | charge-offs p90 |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | noncurrent p90 |  |
| 2014-03 | 3 |  | uninsured deposits leaving |
| 2014-06 | 3 | deposits shrinking | charge-offs p90 |
| 2014-09 | 3 | charge-offs p90 | deposits shrinking |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 | expense ratio p90 | charge-offs p90 |
| 2015-06 | 4 | charge-offs p90 |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 |  | charge-offs p90 |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 5 | deposits shrinking, assets shrinking |  |
| 2018-12 | 4 |  | expense ratio p90 |
| 2019-03 | 6 | expense ratio p90, uninsured deposits leaving |  |
| 2019-06 | 4 |  | expense ratio p90, uninsured deposits leaving |
| 2019-09 | 5 | expense ratio p90 |  |
| 2019-12 | 4 |  | expense ratio p90 |
| 2020-03 | 2 |  | deposits shrinking, assets shrinking |
| 2020-06 | 2 |  |  |
| 2020-09 | 4 | capital falling, expense ratio p90 |  |
| 2020-12 | 3 |  | expense ratio p90 |
| 2021-03 | 4 | charge-offs p90 |  |
| 2021-06 | 3 |  | charge-offs p90 |
| 2021-09 | 2 |  | reserve under noncurrent |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | noncurrent p90 |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 1 |  | deposits shrinking, assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-18 [Fire at Whitaker Bank in Harrodsburg possibly linked to lightning strike - FOX 56 News](https://news.google.com/rss/articles/CBMilgFBVV95cUxON2gta1UyeWc2dnp0TDNCeHpCUHp0djhUQjhyMW9NMWNMN2V5cC1sRmQ4QmpUenloMzdKQ3VyZUpyMG10RHptZFhjWUJpdFJ4eVlxR0lKSk1Ub3lWUGFSa0JpaXN6ZTVReGlSMExTZ2pzUGhJdVRqWXJlZldjdlUtSXAyNWE4a01rUWs4R1c5S09naTg3cmfSAZsBQVVfeXFMUEhrQzhCQUVqUElxSG9KN0tBYk9DSUJUTHB1Q2FSbEJXZG9ueFlFdXU1ckVvWEp3bTl5WlI5OWdXQkZRX24zMnZ3TGxLNVV2dDJKZUxBNmtYNVBOeUNFeTYwVFYxaEI1RGhWVHo4aEkwMHUtdjVuUnpMZG9PTGZiRDhMUkdXZ05SV1FmdmdIT3pSWFEwVUFadks3YUk?oc=5) · FOX 56 News
- 2026-06-18 [Fire heavily damages Harrodsburg bank - WKYT](https://news.google.com/rss/articles/CBMiekFVX3lxTFBuLTZsTEZYN2tFWkxsN1YzUjJHTnlhTWQzd0lUUXhhTVFsU2lXbXdpRnB4NGw0dUhneDFVVlZBNERDc2IwQzBCZmdPNHprVjNrREpWR0RvRUo0OGFMbmhvYTdjYklVT04wdlNMdTFMbTZ6Tm5xbnhjUkZ30gGOAUFVX3lxTE42UEQ5dzdVQ1MwVWdIaFZBbmdyYm9JeVFmYm9Na3lfWHVvVHNmSWdVOGNKdnd1aXRBQm5zczlWSEh3dExJdEFlUUJwbXdtMnZNM2M3a3dubEp6MUcyV1pWc2RURzNEY3pxSFdVcUNYd3Bxd3FWMGRJVG5MbUkxSlBtOVgxYnVUYU84aDR2eUE?oc=5) · WKYT
- 2026-06-18 [Harrodsburg firefighters stop blaze at Whitaker Bank on South College Street - LEX 18 News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOeEZPeUlEVHFZZDVqRTFja1NEV094WmUwa25HaHAwa1JfMmNWSTFuUnU3eFVTV2VLbFNTNS1jTHAtU3VXakNuNVROV3lOc2NqSUxycmpPUURXZjRtWktKSWdhWW1ZNUdhX1dZWF82aE5uVU1LNVcxci1qeWhZWnhFVjd0b1VYMWxDVWpuOU5nZk53T1pOblRlekJpNWV6akNZeGNHNGQ4Tk1XMmw5aVAtTV91dHUzNVJT?oc=5) · LEX 18 News
- 2020-09-02 [Former Whitaker Bank president in KY pleads guilty to embezzlement, could face prison - Lexington Herald Leader](https://news.google.com/rss/articles/CBMicEFVX3lxTE1UMDhKY3YzQ3djVWRfN2tnYTdmNGpsWHluR1JWaUR5aE9GZndxbVRodXJVeXVfZ0U2WDdURGJvLW1IV3RoR1MyVmxEbGhkaFdiWWJKRDJPVUJfTFdGajEzb2RoQWpJb2FlWkt3azdrbFnSAXBBVV95cUxPOVJVWS1WSG05UnhXSWhENkoxRjBiQXBvd3BRdnFKRmNveG1DYmVLdzZMOHVpcjNfUWQ0ODByV2sxNTBXd2prRDBZaWZCcURkQjdlZUNZRGVjazFJZzRwcUZ6U0dzeG9Jb3N3SDlfTml2?oc=5) · Lexington Herald Leader
- 2020-04-08 [Whitaker Bank encourages SBA Paycheck Protection loans applications - The Lane Report](https://news.google.com/rss/articles/CBMirwFBVV95cUxQS3Q3WVVDM3RfZWJnSU11dUJpNVZ1ZWREY0N0M0FpM3FYZVpGYVRST1cwWnk3aVd3NmkySUkzalRvTjFkZnJVdjgyWWZRaUZqdVRYVjQySU5VaFpYN0t0WlNjeDZlNnY3QUJDZVJyNG1PN2NkNlFYbHQxeXhlYTZiV3Z4T2ZNTU1kZVpiM3lJYlF0Sm9xQUlMQXVFeEVSWi1kazRRd2w1YnpJZlJKWjMw?oc=5) · The Lane Report
- 2018-08-14 [Whitaker Bank founder's home found burned, arson investigation launched - WYMT](https://news.google.com/rss/articles/CBMiugFBVV95cUxQOFEzQ0VQQkRtZzZ6UEk2MkZPOGlnNWl4WmhWWVdFdUxQWGtwTzAxUVNkOXVpbV9vSVBUYTBsRUJTc1dXUzMtXzR0SDJCeG1EOFhib1ZqU0xITDBTS252dnEyNHE1UGdCOHRGazRKYlh5ekd2VUNvN3N6NlJmbkhhb1hhRmYxZ3hUdHBnNmJTMjJ0WjhKUm1jVml0ZEpaZkw5WXJ1Y00tdWo5ZnIyajJYbTNrZ01FcXp3YlE?oc=5) · WYMT
- 2018-04-03 [Legends Announce Whitaker Bank Ballpark to be Tobacco Free - MLB.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPaHVGWE9ZWG5MSDNITExERnpLdlFiSV9Jc3hsUWNweTNyWXdZcVVNTkZDZXUxeGJLUkVQS2gzOFp4R3A2N05qNzVrbHcwWTJzZFFOb3ZKTFBxQXoxaEE3SDVIY0UyWVc5UUc2eEQwWlpITVJCdVlSUUxJd3VhQTRJTFd1VlF0ekppaXRCN1VaU2Y0Y1NfUzVJTG9R?oc=5) · MLB.com
- 2011-08-01 [Whitaker Bank Ballpark / Lexington Legends - Ballpark Digest](https://news.google.com/rss/articles/CBMirwFBVV95cUxQWHZ1VGhtZ1dRVzlNdjFsLTR3VXQ1VUw2aThMSnJ4YzRPeENtX1dqUnJjVmMxWXJOSElxUDFHMjRxcE9OaU9HV29FSzVFQlZIY0RORzJNSUtVSW5rNlJEc2VzdFc1XzV6NWF4NHkzcG1rVHQ4bTZvd3dtNEJZOFZVOUZNX1ZxaDVaam9FOEU1RG9zbTc0SkhwVUw2LUVfempHSUZKcEFfdVFNVExVVmhz?oc=5) · Ballpark Digest

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32912 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "32912", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide