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First Whitney Bank And Trust
Atlantic, IA · FDIC Certificate #254 · Chartered 01/0
Total assets
$287.51M
Total deposits
$254.82M
Total equity
$30.93M
Net loans
$159.28M
Branches (offices)
2
Net income (YTD)
$2.41M
Rank: #2,533 of 4,213 U.S. banks by assets · #107 of 225 in Iowa. Assets changed -1.0% and deposits 0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.62% |
| Return on equity | 15.71% |
| Net interest margin (YTD) | 2.84% |
| Equity to assets | 10.76% |
| Tier 1 leverage ratio | 11.53% |
| Uninsured deposits (share of deposits) | 31.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 62.5% |
| Real estate loans (share of loans) | 52.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $84.26M | 52.9% | |
| Commercial & industrial | $34.27M | 21.5% | |
| Consumer / individual | $3.39M | 2.1% | |
| Construction & development | $10.15M | 6.4% | |
| Agricultural | $33.06M | 20.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $267.16M | $246.99M | $2.18M | $19.21M |
| Jun 2023 | $262.81M | $238.50M | $1.74M | $19.66M |
| Jun 2024 | $266.98M | $239.42M | $1.50M | $21.39M |
| Jun 2025 | $290.27M | $253.60M | $1.93M | $27.73M |
| Jun 2026 | $287.51M | $254.82M | $2.41M | $30.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $254.82M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $254.82M.
Similar-sized banks
The Home Trust & Savings Bank ($287.72M) · Manhattan Bank ($287.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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