🏦Bank Scorer

FIRST WHITNEY BANK AND TRUST

ATLANTIC, IA · Supervised by FDIC

Est. 1907FDIC #254RSSD: FDIC-254
Part ofWHITNEY CORP OF IOWA→ View all charters
Satisfactory Same

Current rating · Exam: March 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.48%

Institution Profile

FDIC BankFind

Address

223 Chestnut St, ATLANTIC, IA

County

Cass County

Established

January 1, 1907

Total Assets

$299M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$299M

Total Deposits

$264M

Net Loans

$166M

Net Income

$1M

ROA

1.48%

ROE

14.65%

Risk-Based Capital

13.45%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$254M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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