Community Trust Bank, Inc.
Pikeville, Kentucky, Pike County
$6.9B in total assets, the 228th largest of 4,309 US banks and 3rd of 120 headquartered in Kentucky.
- FDIC certificate
- 2720
- Established
- 1903
- Owned by
- Community Trust Bcorp Inc
- Primary regulator
- FED
- Website
- www.ctbi.com
At a glance
Compared with 15 banks headquartered in Kentucky with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $6.9B | 93% | $1.9B | |
| Loans | $5.1B | 93% | $1.1B | |
| Deposits | $5.7B | 98% | $1.6B | |
| Return on assets | 1.59% | 73% | 1.27% | |
| Net interest margin | 3.83% | 53% | 3.81% | |
| Efficiency ratio | 46.7% | 7% | 60.8% | |
| Equity to assets | 13.06% | 93% | 10.00% | |
| Loans to deposits | 90% | 67% | 80% |
Growth
Total assets grew 4.9% a year over the last 5 years and 6.0% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2011 | The First National Bank of La Follette La Follette, TN, an affiliate under the same holding company | $194M |
| Jun 2005 | Heritage Community Bank Danville, KY | $95M |
| Mar 2002 | Citizens National Bank & Trust of Hazard Hazard, KY, an affiliate under the same holding company | $138M |
| Jan 2001 | The Bank of Mt. Vernon Richmond, KY | $132M |
| Dec 2000 | Community Trust Bank, FSB Campbellsville, KY, an affiliate under the same holding company | $182M |
| Dec 1998 | Community Trust Bank of West Virginia, National Association Williamson, WV, an affiliate under the same holding company | $257M |
| Jan 1997 | Commercial Bank Middlesboro, KY, an affiliate under the same holding company | $101M |
| Jan 1997 | The Woodford Bank and Trust Company Versailles, KY, an affiliate under the same holding company | $102M |
| Jan 1997 | First American Bank Ashland, KY, an affiliate under the same holding company | $211M |
| Jan 1997 | Farmers National Bank Williamsburg, KY, an affiliate under the same holding company | $122M |
| Jan 1997 | The Exchange Bank of Kentucky Mount Sterling, KY, an affiliate under the same holding company | $65M |
| Jan 1997 | Farmers-Deposit Bank Flemingsburg, KY, an affiliate under the same holding company | $91M |
| Jan 1997 | First Security Bank & Trust Co. Whitesburg, KY, an affiliate under the same holding company | $93M |
| Mar 1995 | Community Bank of Lexington Lexington, KY | $61M |
| Nov 1991 | United Savings Bank, FSB Prestonsburg, KY | $34M |
Where they operate
78 branches in 37 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Pike County, KY | $1.2B | 73.3% | 1 of 7 |
| Fayette County, KY | $563M | 4.7% | 7 of 31 |
| Letcher County, KY | $260M | 71.7% | 1 of 2 |
| Floyd County, KY | $255M | 39.0% | 1 of 4 |
| Perry County, KY | $245M | 26.4% | 2 of 5 |
| Boyd County, KY | $210M | 18.8% | 2 of 8 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 2 branches since 2016 (80 to 78, −2.5%). 3 opened, 0 acquired, 5 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 80 | |||
| 2018 | Closed La Follette | 0 | 1 | −1 | 79 |
| 2022 | Opened GeorgetownClosed Versailles | 1 | 1 | 0 | 79 |
| 2024 | Opened Elizabethtown and Florence | 2 | 0 | +2 | 81 |
| 2026 through Q2 | Closed 3 in Kentucky | 0 | 3 | −3 | 78 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 29% | 33% | |
| Commercial real estate | 26% | 31% | |
| Consumer | 22% | 4% | |
| Business (C&I) | 8% | 9% | |
| Construction and land | 6% | 9% | |
| Multifamily | 5% | 7% | |
| Farmland | 2% | 5% | |
| Agricultural | 0% | 1% | |
| Other | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 47% | 56% | |
| Time deposits | 31% | 22% | |
| Noninterest-bearing | 22% | 22% |
Brokered deposits are 0.0% of deposits (peers 2.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.57% | 0.25% |
| Net charge-offs, annualized | 0.09% | 0.01% |
| Reserves to loans | 1.23% | 1.18% |
| Leverage ratio | 13.43% | 10.63% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kentucky
Largest competitors in Pike County, KY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/community-trust-bank-pikeville-ky