Community Trust Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Community Trust Bank, Inc. is an FDIC-insured commercial bank headquartered in Pikeville, KY, established in 1903 (FDIC certificate 2720), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $6.95B, up 9.4% from Q2 2025, the 3rd largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.43% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 2720
- Headquarters
- Pikeville, KY
- Established
- 1903
- Total assets, Q2 2026
- $6.95B
- Assets vs Q2 2025
- +9.4%
- Tier 1 leverage ratio, Q2 2026
- 13.43%
- Domestic offices
- 78 FDIC institution directory, current count
- Routing number
- 042102694
- Latest call report
- Q2 2026, FFIEC 041 · Community Trust Bank, Inc. call report
- Holding company
- COMMUNITY TRUST BANCORP, INC.
- Asset rank in state
- 3rd of 120 in Kentucky
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%. The figures come from its call report filed with the FFIEC.
Community Trust Bank, Inc. ranks as the 3rd largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.7% to $6.95B, loans rose 2.7% and deposits rose 4.1%. 1-4 family residential loans made up 29.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 18.7%. Its 78 offices in the FDIC Summary of Deposits are in 52 cities across 3 states; its Pikeville 5 offices book 14% of its branch deposits. On its Q2 2026 call report, Community Trust Bank, Inc. meets the community bank leverage ratio test for well capitalized.
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)
- Domestic offices
- 78 FDIC institution directory, current count
- 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 |
| Richard W Newsom | PRES | President |
| Kevin J Stumbo | CFO | EVP, CFO, & Treasurer |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Community Trust Bank, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Community Trust Bank, Inc.'s total assets moved between a low of $5.61B (Q3 2023) and a high of $6.95B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.95B total assets against $6.35B; $6.04B total liabilities against $5.53B.
$5.06B net loans and leases against $4.64B; $5.67B total deposits against $5.24B.
$1.03B securities against $966.4M; $508.1M cash and balances due against $393.8M.
$91.0M total interest income against $85.3M; $29.5M total interest expense against $30.6M.
$61.4M net interest income against $54.6M.
$11.8M total noninterest income against $11.4M; $34.0M total noninterest expense against $32.0M.
$2.8M provision for credit losses against $2.0M.
$28.9M net income against $24.6M.
1.68% return on assets against 1.54%; 3.80% net interest margin against 3.64%.
13.43% tier 1 leverage ratio against 13.33%.
Inside the full Community Trust Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Trust Bank, Inc. rankings
Its closest position to the top of a national ranking is 216 of 4,196, for total assets; its furthest is 560 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.37% (Q1 2025) to 1.68% (Q2 2026) and its net interest margin ran from 3.44% (Q3 2024) to 3.80% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.43% | 1.68% | 0.58% | 3.57% | 3.80% |
| Q1 2026 | 13.42% | 1.58% | 0.42% | 2.65% | 3.76% |
| Q4 2025 | 13.19% | 1.61% | 0.39% | 2.49% | 3.71% |
| Q3 2025 | 13.21% | 1.41% | 0.51% | 2.63% | 3.64% |
| Q2 2025 | 13.33% | 1.54% | 0.52% | 2.70% | 3.64% |
| Q1 2025 | 13.32% | 1.37% | 0.57% | 3.03% | 3.53% |
| Q4 2024 | 13.29% | 1.44% | 0.59% | 3.03% | 3.45% |
| Q3 2024 | 13.51% | 1.43% | 0.58% | 2.52% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
View all 78 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Community Trust Bank, Inc. headquartered?
It is headquartered in Pikeville, KY, United States.
When was Community Trust Bank, Inc. founded?
It was established in 1903, per the FDIC institution directory.
Is Community Trust Bank, Inc. FDIC-insured?
Yes. It 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.
How many branches does Community Trust Bank, Inc. operate?
It 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?
Its Texas Ratio is 3.57% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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