Community Trust Bank, Inc.
Community Trust Bank, Inc. reported total assets of $6.9 bn at Q2 2026, up 9.4% on a year earlier, the 219th largest of 497 banks in our US coverage. Community Trust Bank, Inc. uses the community bank leverage ratio framework, with a leverage ratio of 13.43%. Community Trust Bank, Inc. held deposits of $5.7 bn. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, Community Trust Bank, Inc. climbed from 347th to 319th among 500 US banks between and (1 = highest; FDIC Call Reports).
What sets Community Trust Bank, Inc. apart
How large is Community Trust Bank, Inc.?
The balance sheet of Community Trust Bank, Inc. at : assets $6.9 bn, deposits $5.7 bn, net loans $5.1 bn (loans equal to 89.35% of deposits). Securities make up 14.8% of total assets at Community Trust Bank, Inc.. Since , when Community Trust Bank, Inc. held $3.9 bn, its assets grew 80.1%. In the year to , deposits at Community Trust Bank, Inc. rose 8.1% while its total assets rose 9.4%. At , Community Trust Bank, Inc. employed 914 full-time equivalent staff across 78 offices, about $7.6 mn of assets per employee and $72.6 mn of deposits per office.
How much funding at Community Trust Bank, Inc. is uninsured?
At Community Trust Bank, Inc., uninsured deposits (above the FDIC limit) made up 29.60% of domestic deposits at (+1.25 pp on a year earlier); Community Trust Bank, Inc. ranks 319th of 500 on this measure. In dollars, Community Trust Bank, Inc. estimated $1.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.7 bn | +8.1% | 219th of 499 |
| Net loans and leases | $5.1 bn | +9.0% | 209th of 500 |
| Loan-to-deposit ratio | 89.35% | +0.69 pp | 205th of 500 |
| Net interest margin | 3.83% | +0.16 pp | 189th of 500 |
| Return on assets (ROA) | 1.64% | +0.17 pp | 114th of 500 |
| Efficiency ratio | 46.66% | -2.53 pp | 99th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $88.8 mn | Narrowed by $15.9 mn | |
| Noncurrent loans to total loans | 0.58% | +0.06 pp | 236th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.09% | -0.04 pp | 255th of 500 (1 = lowest) |
US rank of Community Trust Bank, Inc.: 1 = highest unless marked 1 = lowest.
Balance sheet
Community Trust Bank, Inc.: assets, deposits and loans
- Total assets $6.9bn
- Deposits $5.7bn
- Net loans $5.1bn
Capital and securities
Community Trust Bank, Inc. uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 13.43% in . Equity capital of Community Trust Bank, Inc. at : $907.4 mn, or 13.1% of total assets.
The available-for-sale portfolio of Community Trust Bank, Inc. showed an unrealized loss of $88.8 mn at ; the loss narrowed by $15.9 mn over the year.
Community Trust Bank, Inc.: capital ratios
- Total capital 19%
- CET1 18%
- Tier 1 leverage 13%
Community Trust Bank, Inc.: unrealized securities gains and losses
- Available for sale -$89mn
- Held to maturity $0
Profitability and loan quality
For the year to , Community Trust Bank, Inc. earned a return on equity of 12.47%; return on assets: 1.64%. Net interest margin at Community Trust Bank, Inc.: 3.83%, +0.16 pp in a year. Community Trust Bank, Inc. net income: $55.4 mn, up 20.4% year on year. The efficiency ratio of Community Trust Bank, Inc. was 46.66%: about 47 cents cost per revenue dollar, against 51 cents at the median peer.
At , noncurrent loans were 0.58% of total loans at Community Trust Bank, Inc.; net charge-offs: 0.09% of average loans. Gross loans and leases at Community Trust Bank, Inc.: $5.1 bn, up 9.0% in a year.
Community Trust Bank, Inc.: profitability
- Return on equity 12%
- Net interest margin 3.8%
- Return on assets 1.6%
Peer group of Community Trust Bank, Inc.
The peer group of Community Trust Bank, Inc. is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Community Trust Bank, Inc. (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Kentucky. Against them, Community Trust Bank, Inc. shows return on equity 12.47% against a peer median of 12.64% and uninsured deposit share 29.60% against a peer median of 25.59%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Republic Bank & Trust Company | State nonmember bank | KY | $7.1 bn | 16.55% | 14.26% | 45.58% | |
| Mid Penn Bank | State nonmember bank | PA | $7.0 bn | 12.55% | 9.89% | 20.01% | |
| Cambridge Savings Bank | State nonmember bank | MA | $7.0 bn | 12.63% | 3.53% | 29.26% | |
| Community Trust Bank, Inc. | State member bank | KY | $6.9 bn | not reported | 12.47% | 29.60% | |
| The Camden National Bank | National bank | ME | $6.9 bn | 12.73% | 12.70% | 24.07% | |
| Old Second National Bank | National bank | IL | $6.9 bn | 13.72% | 12.59% | 27.10% | |
| First National Bank of America | National bank | MI | $6.8 bn | 15.28% | 34.72% | 18.66% | |
. FDIC Call Reports.
Last eight quarters
Two years at Community Trust Bank, Inc., to : assets +17.3%, deposits +16.9%, equity +16.2%. Staff 894 to 914; offices 81 to 78.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.9 bn | $6.2 bn | $6.2 bn | $6.4 bn | $6.6 bn | $6.6 bn | $6.7 bn | $6.9 bn |
| Total deposits | $4.8 bn | $5.1 bn | $5.1 bn | $5.2 bn | $5.4 bn | $5.4 bn | $5.4 bn | $5.7 bn |
| Bank equity capital | $780.7 mn | $777.4 mn | $801.9 mn | $824.8 mn | $848.7 mn | $873.4 mn | $886.4 mn | $907.4 mn |
| Return on equity (ROE) | 10.56% | 10.81% | 10.87% | 11.49% | 11.34% | 11.66% | 12.08% | 12.47% |
| Uninsured share of domestic deposits | 27.24% | 29.50% | 28.46% | 28.35% | 28.60% | 29.60% | 29.00% | 29.60% |
| Full-time equivalent employees | 894 | 884 | 892 | 890 | 883 | 883 | 918 | 914 |
| Number of offices | 81 | 81 | 81 | 81 | 81 | 81 | 78 | 78 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Community Trust Bank, Inc. appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Community Trust Bank, Inc.?
Community Trust Bank, Inc. reported $6.9 bn at in its Call Report. That makes Community Trust Bank, Inc. the 219th largest of 497 banks in our US coverage.
Is Community Trust Bank, Inc. the same as its holding company?
No. This page covers Community Trust Bank, Inc., FDIC certificate 2720; COMMUNITY TRUST BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Community Trust Bank, Inc. profitable?
Community Trust Bank, Inc. reported net income of $55.4 mn for the year to ; annualized return on equity: 12.47%. So yes: Community Trust Bank, Inc. made a profit over these months.
When is data for Community Trust Bank, Inc. next updated?
Figures from Community Trust Bank, Inc. for are due after .
Where can I check the figures for Community Trust Bank, Inc.?
In the FDIC BankFind Suite record for certificate 2720, and in the Call Reports of Community Trust Bank, Inc. (RSSD ID 509811) at the FFIEC Central Data Repository.