How Big Is First Whitney Bank&Trust?
First Whitney Bank&Trust holds $267M in total assets and $239M in deposits, making it a community bank by U.S. standards. By total assets it is the 2,315th-largest of the 3,960 FDIC-insured banks we track. Those figures come from First Whitney Bank&Trust's latest FDIC call report (cert #254); it is a local community institution, with $100 million to $1 billion in assets.
This page answers a common banking-safety question: How Big Is First Whitney Bank&Trust?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
First Whitney Bank&Trust Size at a Glance
- Total assets
- $267M
- Total deposits
- $239M
- Domestic deposits
- $239M
- Size class
- community bank
- Rank by assets
- #2,315 of 3,960
- Headquarters
- Atlantic, Iowa
Source: FDIC Call Report data (cert #254). Figures reflect the latest reported quarter.
With $267M in total assets, First Whitney Bank&Trust is a local community institution, with $100 million to $1 billion in assets. Nationally, that makes it the 2,315th-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $239M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.76% | 83/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 40.62% | 100/100 |
| Return on Assets | 1.13% | 65/100 |
| Total Assets | $0.3B | |
How does First Whitney Bank&Trust compare?
With a Bank Health Score of 90/100, First Whitney Bank&Trust sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Iowa, where 162 FDIC-insured banks are headquartered, First Whitney Bank&Trust ranks above the state average of 68/100 (Grade B).
The bank's Tier 1 capital ratio of 12.76% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Whitney Bank&Trust's Bank Health Score held roughly steady at 90/100. Tier 1 capital strengthened by 0.52 percentage points to 12.76%. Quarter-over-quarter, the score rose by 2.0 points.
Frequently Asked Questions
First Whitney Bank&Trust holds $267M in total assets and $239M in deposits, making it a community bank by U.S. standards. By total assets it is the 2,315th-largest of the 3,960 FDIC-insured banks we track. Those figures come from First Whitney Bank&Trust's latest FDIC call report (cert #254); it is a local community institution, with $100 million to $1 billion in assets.
First Whitney Bank&Trust ranks 2,315th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $267M in assets classify it as a community bank.
First Whitney Bank&Trust reports $267M in total assets and $239M in total deposits ($239M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. First Whitney Bank&Trust earns a Bank Health Score of 90/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $267M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. First Whitney Bank&Trust (FDIC certificate #254) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about First Whitney Bank&Trust
First Whitney Bank&Trust holds $267M in total assets and $239M in deposits, making it a community bank by U.S. standards. By total assets it is the 2,315th-largest of the 3,960 FDIC-insured banks we track. Those figures come from First Whitney Bank&Trust's latest FDIC call report (cert #254); it is a local community institution, with $100 million to $1 billion in assets.