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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Kentucky, the state note

Community Trust Bank Inc

Pikeville, Kentucky · $6.95B in assets · beside the 11 other the South Central states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

46.7%
Efficiency
2nd of 12
13.1%
Equity / assets
3rd of 12
1.62%
ROA
3rd of 12

Community Trust Bank Inc is the fifth largest of the 12 the South Central states banks nearest its size between $3B and $10B, with $6.95B in assets at 30 June 2026. Loans are 90.5% of deposits, 9th of 12 against a median of 86.1%, and equity is 13.1% of assets, 3rd of 12. Loans grew +9.0% in the year, 5th of 12, and deposits grew 8.1%; the cohort's median loan growth is +8.1%.

Noncurrent loans are 0.58% of the book, 7th of 12 against a median of 0.57%; 0.40% is 30 to 89 days past due, and the allowance covers them 2.1 times. Commercial real estate is 29.4% of loans, 5th of 12 against a median of 34.8%, and 165% of capital, below the 300% screen, with construction at 35% against the 100% screen.

Return on assets is 1.62%, 3rd of 12 against a median of 1.26%, on an efficiency ratio of 46.7%, 2nd of 12. Five years ago it was 1.73%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioSouth Central states banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 60.0% FS First Security Bank 43.5% CT Community Trust Bank Inc 46.7% RB River Bank & Trust 47.4% RB Republic Bank & Trust Co. 48.8% WB Wilson Bank & Trust 52.7% S Smartbank 58.4% B B1bank 61.5% B Bankplus 62.3% CB Community Bank of Mississippi 65.1% FG First Guaranty Bank 68.9% CB Central Bank & Trust Co. 69.7% GC Gulf Coast Bank & Trust Co. 74.0%
Loans, year over yearSouth Central states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +8.1% S Smartbank +13.6% GC Gulf Coast Bank & Trust Co. +11.4% RB River Bank & Trust +11.3% B B1bank +10.2% CT Community Trust Bank Inc +9.0% CB Community Bank of Mississippi +8.9% FS First Security Bank +7.3% CB Central Bank & Trust Co. +5.3% WB Wilson Bank & Trust +4.5% B Bankplus +4.5% RB Republic Bank & Trust Co. +1.1% FG First Guaranty Bank -26.8%

SBA 7(a), FY2008 to FY2026

Community Trust Bank Inc is the 5th largest 7(a) lender into Kentucky of 267, with $177M across 1,139 loans, 5.7% of everything approved in the state (The Huntington National Bank leads with $254M). 59 of its 116 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Kentucky, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Pike, KY$27M1st of 1273.6%-6.7 pts
Fayette, KY$21M3rd of 856.8%+0.3 pts
Sevier, TN$13M2nd of 5211.4%+3.7 pts
Madison, KY$12M1st of 4118.6%-19.3 pts
Woodford, KY$12M1st of 1860.4%+37.6 pts
Kanawha, WV$9M5th of 437.1%thin
Jefferson, KY$8M20th of 1230.9%-2.0 pts
Fayette, WV$7M1st of 1453.4%quiet FY2019
Boyd, KY$6M1st of 2028.7%-5.8 pts
Scott, KY$6M1st of 3115.9%+14.6 pts
Floyd, KY$6M1st of 651.5%-23.2 pts
Knox, TN$6M26th of 1241.2%quiet FY2022
Lincoln, WV$5M1st of 1060.7%thin
103 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade276$53M20.3%0.09%173rd of 2,589
Accommodation & food services153$42M15.9%0.05%246th of 2,596
Health care & social assistance127$34M12.9%0.07%178th of 2,172
Manufacturing89$25M9.6%0.06%252nd of 2,246
Construction122$20M7.6%0.06%233rd of 2,063
7(a) lenders into Kentucky, share of approvals since FY2008267 lenders on record; the ten largest and Community Trust Bank Inc
TH The Huntington National Bank 8.1% $254M · 1,146 loans SY Stock Yards Bank & Trust Company 7.7% $241M · 552 loans LO Live Oak Banking Company 7.4% $232M · 177 loans UB U.S. Bank, National Association 6.6% $206M · 1,215 loans CT Community Trust Bank, Inc. 5.7% $177M · 1,139 loans RB Republic Bank & Trust Company 4.4% $136M · 414 loans JC JPMorgan Chase Bank, National Ass… 2.1% $67M · 343 loans FF First Financial Bank 2.0% $64M · 158 loans G Gbank 2.0% $61M · 31 loans FT Fifth Third Bank 1.9% $58M · 209 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers, Community Trust Bank Inc among them; owner-occupied excluded; bold marks a screen met
Community Trust Bank IncRankCohort median
Total CRE against capital, the 300% screen165%3rd of 12218%
Construction against capital, the 100% screen35%3rd of 1259%
Construction and land development, share of loans6.2%3rd of 129.3%
Non-owner-occupied nonfarm nonresidential, share of loans18.7%7th of 1218.7%
Total CRE, the guidance definition, share of loans29.4%5th of 1234.8%
CRE growth over 36 months, the third prong+17.6%5th of 12+21.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
B1bank$8.89B1.2%61.5%1.26%0.12%0.9%91.6%12.2%
First Security Bank$8.58B1.8%43.5%0.14%0.46%2.3%67.6%14.1%
Bankplus$8.38B1.3%62.3%0.64%0.05%1.1%87.3%11.2%
Republic Bank & Trust Co.$7.05B2.1%48.8%0.56%0.46%1.6%97.2%15.4%
Community Trust Bank Inc$6.95B1.6%46.7%0.58%0.09%1.2%90.5%13.1%
Smartbank$6.11B1.1%58.4%0.24%0.03%1.0%87.0%10.8%
Wilson Bank & Trust$5.98B1.4%52.7%0.63%0.04%1.3%84.2%10.1%
Community Bank of Mississippi$5.09B1.1%65.1%0.25%0.01%1.1%75.8%8.5%
River Bank & Trust$4.02B1.5%47.4%0.48%0.02%1.4%81.6%8.8%
Central Bank & Trust Co.$4.01B1.3%69.7%0.21%-0.03%1.0%96.6%12.5%
First Guaranty Bank$3.89B0.4%68.9%2.30%1.33%1.9%50.9%6.7%
Gulf Coast Bank & Trust Co.$3.86B1.1%74.0%1.60%0.42%1.8%85.2%8.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Community Trust Bank IncCohort median
20212026Change20212026Change
Loans$3.45B$5.12B+48%$2.57B$4.54B+77%
Deposits$4.33B$5.67B+31%$3.48B$5.36B+54%
NPA / loans0.61%0.58%-0.03 pts0.45%0.57%+0.12 pts
Efficiency50.3%46.7%-3.6 pts62.4%60.0%-2.5 pts
ROA1.73%1.62%-0.11 pts1.28%1.26%-0.02 pts

This read was prepared for Community Trust Bank Inc's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Community Trust Bank Inc is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks $3B to $10B
Institution www.ctbi.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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