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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Kentucky, the state note

Whitaker Bank

Lexington, Kentucky · $1.93B in assets · beside the 11 other Kentucky banks between $1B and $3B

The filing

68.3%
Loans / deposits
2nd of 12
133.4%
CRE / capital
2nd of 12
30.5%
CRE / loans
3rd of 12

Whitaker Bank is the fifth largest of the 12 Kentucky banks between $1B and $3B, with $1.93B in assets at 30 June 2026. Loans are 68.3% of deposits, 2nd of 12 against a median of 80.1%, and equity is 11.5% of assets, 4th of 12. Loans grew +6.2% in the year, 5th of 12, and deposits grew 0.2%; the cohort's median loan growth is +4.0%.

Noncurrent loans are 0.21% of the book, 5th of 12 against a median of 0.28%; 0.62% is 30 to 89 days past due, and the allowance covers them 7.1 times. Commercial real estate is 30.5% of loans, 3rd of 12 against a median of 33.1%, and 133% of capital, below the 300% screen, with construction at 61% against the 100% screen.

Return on assets is 1.38%, 4th of 12 against a median of 1.22%, on an efficiency ratio of 60.8%, 7th of 12. Five years ago it was 0.89%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsKY banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 80.1% HB Heritage Bank Inc 67.9% WB Whitaker Bank 68.3% FS First Southern National Bank 71.0% FB Forcht Bank National Association 76.0% TB Traditional Bank Inc 78.3% CF Community Finl Services Bank 79.8% CB Cecilian Bank 80.4% MB Monticello Banking Co. 83.8% PB Planters Bank Inc 85.9% SC South Central Bank Inc 90.6% ES Edmonton State Bank 92.8% PB Paducah Bank & Trust Co. 95.9%
Loans, year over yearKY banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.0% SC South Central Bank Inc +11.9% ES Edmonton State Bank +10.4% PB Paducah Bank & Trust Co. +8.4% TB Traditional Bank Inc +6.8% WB Whitaker Bank +6.2% FS First Southern National Bank +5.1% HB Heritage Bank Inc +2.8% CB Cecilian Bank +2.3% FB Forcht Bank National Association +1.6% CF Community Finl Services Bank -0.8% PB Planters Bank Inc -3.2% MB Monticello Banking Co. -8.0%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers, Whitaker Bank among them; owner-occupied excluded; bold marks a screen met
Whitaker BankRankCohort median
Total CRE against capital, the 300% screen133%2nd of 12238%
Construction against capital, the 100% screen61%5th of 1269%
Construction and land development, share of loans13.9%10th of 1210.4%
Non-owner-occupied nonfarm nonresidential, share of loans10.3%3rd of 1217.7%
Total CRE, the guidance definition, share of loans30.5%3rd of 1233.1%
CRE growth over 36 months, the third prong+27.8%9th of 12+16.6%
Commercial real estate against capital, the 300% screenKY banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 238% CF Community Finl Services Bank 83% WB Whitaker Bank 133% FS First Southern National Bank 147% CB Cecilian Bank 203% PB Paducah Bank & Trust Co. 211% ES Edmonton State Bank 227% FB Forcht Bank National Association 249% PB Planters Bank Inc 251% MB Monticello Banking Co. 258% TB Traditional Bank Inc 267% SC South Central Bank Inc 284% HB Heritage Bank Inc 295%
CRE growth over 36 months, the guidance's third prongKY banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +16.6% MB Monticello Banking Co. -11.0% FS First Southern National Bank -8.6% PB Planters Bank Inc -7.0% CF Community Finl Services Bank +1.3% FB Forcht Bank National Association +8.3% HB Heritage Bank Inc +13.7% PB Paducah Bank & Trust Co. +19.5% CB Cecilian Bank +21.7% WB Whitaker Bank +27.8% SC South Central Bank Inc +33.5% ES Edmonton State Bank +49.4% TB Traditional Bank Inc +51.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Traditional Bank Inc$2.44B1.2%53.2%0.25%0.03%1.0%78.3%8.8%
South Central Bank Inc$2.26B1.4%53.1%0.30%0.00%1.0%90.6%9.0%
Heritage Bank Inc$1.99B1.0%63.8%0.47%0.12%1.2%67.9%7.2%
Planters Bank Inc$1.96B1.3%51.1%0.11%0.01%1.4%85.9%11.8%
Whitaker Bank$1.93B1.4%60.8%0.21%0.06%1.5%68.3%11.5%
Forcht Bank National Association$1.65B0.7%75.2%0.05%0.01%1.2%76.0%8.9%
Cecilian Bank$1.59B1.6%50.6%0.40%0.01%1.1%80.4%10.3%
Community Finl Services Bank$1.37B1.0%67.4%0.42%0.23%1.3%79.8%8.3%
First Southern National Bank$1.28B0.8%62.4%0.61%0.05%1.7%71.0%11.6%
Edmonton State Bank$1.15B2.5%49.4%0.32%0.01%1.1%92.8%12.0%
Monticello Banking Co.$1.07B1.0%69.8%0.11%0.01%1.2%83.8%8.7%
Paducah Bank & Trust Co.$1.07B2.2%54.7%0.19%0.02%1.5%95.9%10.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Whitaker BankCohort median
20212026Change20212026Change
Loans$888M$1.10B+24%$823M$1.09B+32%
Deposits$1.69B$1.62B-4%$1.17B$1.41B+20%
NPA / loans2.13%0.21%-1.92 pts0.52%0.28%-0.24 pts
Efficiency69.4%60.8%-8.5 pts59.8%57.8%-2.1 pts
ROA0.89%1.38%+0.49 pts1.07%1.22%+0.15 pts

This read was prepared for Whitaker Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Whitaker Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort KY banks $1B to $3B
Institution www.whitakerbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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