FIRST WHITNEY BANK&TRUST
ATLANTIC, IOWA · FDIC Cert #254
Capital & Safety Analysis
According to FDIC financial data, FIRST WHITNEY BANK&TRUST holds a Tier 1 capital ratio of 12.76%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST WHITNEY BANK&TRUST has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST WHITNEY BANK&TRUST shows strong financial health indicators. With $267M in assets and a Health Score of 90/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST WHITNEY BANK&TRUST has a Bank Health Score of A (90/100). It holds a Tier 1 capital ratio of 12.76%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST WHITNEY BANK&TRUST holds $267M in total assets and $239M in total deposits. It is located in ATLANTIC, IOWA (FDIC Certificate #254).
FIRST WHITNEY BANK&TRUST has a Tier 1 capital ratio of 12.76%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.00%, and the return on assets is 1.13%.
Yes. FIRST WHITNEY BANK&TRUST is FDIC-insured (Certificate #254). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.