Community Trust Bank, Inc.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Community Trust Bank, Inc. carries far more capital than most banks of its size. Its balance sheet stood at $6.9 billion at June 30, 2026, up 9.4% from a year earlier; it is based in Pikeville, Kentucky. It funds 13.43% of its assets with Tier 1 capital, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also spends about 46 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Net income for the quarter rose 17% from a year earlier, to $29 million. Its $956 million non-owner-occupied commercial real estate book is improving, with 0.33% past due or on nonaccrual, down from 1.22% a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.57% of loans from 0.37% a year earlier.
As of June 30, 2026, Community Trust Bank, Inc. reported a return on assets of 1.68%, a nonperforming-loan ratio of 0.58% and a Texas ratio of 3.57%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 346 N Mayo Trl, Pikeville, KY 41501
- County
- Pike
- Metro Area
- Pikeville, KY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 17, 1903
- Former names
- Community Trust Bank, National Association (1997-2003)
- Offices
- 78 domestic
- Employees (FTE)
- 914
- Domestic deposits
- $5.67B
- Allowance for credit losses
- $63.0M
- Net charge-offs (YTD)
- $2.2M
- Average total assets
- $6.87B
- Average total loans
- $5.05B
- Average interest-bearing deposits
- $4.24B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2720
- Fed RSSD
- 509811
- SEC CIK
- 350852 → filed by COMMUNITY TRUST BANCORP, INC.
- Website
- www.ctbi.com →
- Parent Holding Company
- COMMUNITY TRUST BANCORP, INC. (RSSD 1070644) · CTBI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Mark A Gooch | CEO | Chairman, President & CEO |
| Kevin J Stumbo | CFO | EVP, CFO, & Treasurer |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Community Trust Bank, Inc. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Community Trust Bank, Inc., freeCommunity Trust Bank, Inc. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.43% | 1.68% | 0.70% | 3.57% | 3.80% |
| Q1 2026 | 13.42% | 1.58% | 0.74% | 2.65% | 3.76% |
| Q4 2025 | 13.19% | 1.61% | 0.72% | 2.49% | 3.71% |
| Q3 2025 | 13.21% | 1.41% | 1.00% | 2.63% | 3.64% |
| Q2 2025 | 13.33% | 1.54% | 1.19% | 2.70% | 3.64% |
| Q1 2025 | 13.32% | 1.37% | 1.23% | 3.03% | 3.53% |
| Q4 2024 | 13.29% | 1.44% | 1.26% | 3.03% | 3.45% |
| Q3 2024 | 13.51% | 1.43% | 0.79% | 2.52% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 78 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community Trust Bank, Inc. (main office) | Pikeville , KY | 41501 | $490.9M |
| Hamburg Branch | Lexington , KY | 40509 | $325.5M |
| Floyd County Branch | Prestonsburg , KY | 41653 | $215.8M |
| Pike Main Street Branch | Pikeville , KY | 41501 | $169.1M |
| Flemingsburg Branch | Flemingsburg , KY | 41041 | $161.6M |
| Hazard Black Gold Branch | Hazard , KY | 41701 | $158.1M |
| Mt Sterling Branch | Mount Sterling , KY | 40353 | $153.0M |
| Ashland Branch | Ashland , KY | 41101 | $150.8M |
| Versailles Branch | Versailles , KY | 40383 | $138.3M |
| Whitesburg Branch | Whitesburg , KY | 41858 | $136.2M |
| Lafollette Branch | La Follette , TN | 37766 | $122.8M |
| Harrodsburg Branch | Harrodsburg , KY | 40330 | $114.0M |
| Danville Main Street | Danville , KY | 40422 | $108.6M |
| Williamsburg Branch | Williamsburg , KY | 40769 | $107.4M |
| Summersville Main Branch | Summersville , WV | 26651 | $105.1M |
| Tug Valley Branch | South Williamson , KY | 41503 | $97.1M |
| Winchester Main Street Branch | Winchester , KY | 40391 | $95.4M |
| Richmond Branch | Richmond , KY | 40475 | $94.7M |
| Williamsburg London Branch | London , KY | 40741 | $93.1M |
| Pike Weddington Plaza Branch | Pikeville , KY | 41501 | $86.7M |
| Pike Virgie Branch | Virgie , KY | 41572 | $85.8M |
| Hamlin Fort Gay Branch | Fort Gay , WV | 25514 | $79.7M |
| Winchester Plaza Branch | Winchester , KY | 40391 | $77.9M |
| Campbellsville Branch | Campbellsville , KY | 42718 | $74.9M |
| Hazard Village Branch | Hazard , KY | 41701 | $73.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 22, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 22, 2011 | Structure Change | Acquired The First National Bank of La Follette Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 11, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 11, 2005 | Structure Change | Acquired Heritage Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 18, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 16, 2002 | Structure Change | Acquired Citizens National Bank & Trust of Hazard Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 26, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 26, 2001 | Structure Change | Acquired The Bank of Mt. Vernon Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 29, 2000 | Structure Change | Acquired Community Trust Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 29, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1998 | Structure Change | Acquired Community Trust Bank of West Virginia, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1997 | Structure Change | Acquired The Exchange Bank of Kentucky Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1995 | Structure Change | Acquired Community Bank of Lexington Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 23, 1991 | Structure Change | Acquired United Savings Bank, FSB Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 22, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 18 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Community Trust Bank, Inc., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action June 12, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.1% of deposits in KY, rank 7 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,106 applications, 2,436 loans originated, $515.0M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 68 loans, $16.8M approved, $247K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Community Trust Bank, Inc.
What are Community Trust Bank, Inc.'s total assets?
As of the Q2 2026 filing, Community Trust Bank, Inc. reported total assets of $6.95 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Community Trust Bank, Inc. headquartered?
Community Trust Bank, Inc. is headquartered in Pikeville, KY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Community Trust Bank, Inc. founded?
Community Trust Bank, Inc. was established in 1903, per the FDIC institution directory.
Is Community Trust Bank, Inc. FDIC-insured?
Yes. Community Trust Bank, Inc. is an FDIC-insured commercial bank (FDIC Certificate #2720). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Trust Bank, Inc.?
Community Trust Bank, Inc.'s primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Community Trust Bank, Inc. operate?
Community Trust Bank, Inc. operates 78 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Trust Bank, Inc.'s Texas Ratio?
Community Trust Bank, Inc.'s Texas Ratio is 3.57% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Community Trust Bank, Inc. previously called?
The charter now named Community Trust Bank, Inc. has also operated as Community Trust Bank, National Association (1997-2003), per FDIC structure-change records.
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