Community Trust Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Trust Bank, Inc. of Pikeville, KY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.68% | 1.46% | +0.22% | 76th top |
| ROAE | 12.88% | 12.72% | +0.16% | 54th above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.80% | 3.85% | -0.05% | 56th above |
| Efficiency Ratio | 46.23% | 57.44% | -11.21% | 84th top |
| PPNR / Avg Assets | 2.29% | 1.88% | +0.41% | 82nd top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.62% | 5.72% | -0.10% | 55th above |
| Cost of Funds | 2.03% | 2.02% | +0.01% | 49th below |
| Net Interest Spread | 3.05% | 3.18% | -0.13% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.70% | 1.00% | -0.30% | 45th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.57% | 0.76% | -0.19% | 44th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 35th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.31% | -0.08% | 62nd above |
| ACL / NPLs (Coverage) | 174.91% | 544.37% | -369.46% | 49th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.43% | 7.39% | -0.96% | 38th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 226.71% | 619.85% | -393.14% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.43% | 11.43% | +2.00% | 88th top |
| Equity / Assets | 13.06% | 11.33% | +1.73% | 85th top |
| TCE / Tangible Assets | 12.30% | 10.50% | +1.80% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.46% | 86.94% | +3.52% | 44th below |
| Core Deposit Ratio | 90.67% | 85.54% | +5.13% | 61st above |
| Uninsured Deposit Ratio | 29.60% | 33.13% | -3.53% | 55th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.44% | 5.71% | -1.27% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.40% | 9.68% | -0.28% | 74th above |
| Loan Growth (Y/Y) | 8.99% | 8.05% | +0.94% | 70th above |
| Deposit Growth (Y/Y) | 8.15% | 7.87% | +0.28% | 68th above |
See Community Trust Bank, Inc.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Trust Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community Trust Bank, Inc. profile, how to read a UBPR, or how this data updates.