Community Trust Bank, Inc.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense rose 4.9% in Q2 2026 to $29.5M, the biggest move on this page. Within Kentucky, Community Trust Bank, Inc. is 74th of 119 on net interest margin, 3.80% as of Q2 2026, below the middle of the field. At 3.80%, Community Trust Bank, Inc.'s net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.62% |
| Yield on loans | 6.36% |
| Yield on securities | 2.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.03% |
| Cost of interest-bearing deposits | 2.51% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 3.46% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $80.3M |
| Total interest expense | $29.5M |
| Interest expense on deposits | $26.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.18% | 2.08% | 3.29% | 6.09% | 2.26% |
| Q4 2023 | 5.35% | 2.38% | 3.21% | 6.26% | 2.31% |
| Q1 2024 | 5.42% | 2.43% | 3.22% | 6.32% | 2.31% |
| Q2 2024 | 5.50% | 2.40% | 3.34% | 6.41% | 2.17% |
| Q3 2024 | 5.68% | 2.51% | 3.44% | 6.59% | 2.23% |
| Q4 2024 | 5.61% | 2.41% | 3.45% | 6.53% | 2.15% |
| Q1 2025 | 5.56% | 2.24% | 3.53% | 6.42% | 2.18% |
| Q2 2025 | 5.68% | 2.26% | 3.64% | 6.50% | 2.25% |
| Q3 2025 | 5.72% | 2.31% | 3.64% | 6.57% | 2.29% |
| Q4 2025 | 5.64% | 2.15% | 3.71% | 6.50% | 2.42% |
| Q1 2026 | 5.54% | 1.97% | 3.76% | 6.32% | 2.49% |
| Q2 2026 | 5.62% | 2.03% | 3.80% | 6.36% | 2.68% |
Community Trust Bank, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Trust Bank, Inc., freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Trust Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2720) · FFIEC NIC profile (RSSD 509811)