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Community Trust Bank, Inc.
Pikeville, KY · FDIC Certificate #2720 · Chartered 11/1
Total assets
$6.95B
Total deposits
$5.67B
Total equity
$907.38M
Net loans
$5.06B
Branches (offices)
78
Net income (YTD)
$55.45M
Rank: #222 of 4,213 U.S. banks by assets · #3 of 120 in Kentucky. Assets changed 9.4% and deposits 8.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.64% |
| Return on equity | 12.47% |
| Net interest margin (YTD) | 3.83% |
| Equity to assets | 13.06% |
| Tier 1 leverage ratio | 13.43% |
| Uninsured deposits (share of deposits) | 29.6% |
| Noncurrent loans (share of loans) | 0.58% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 89.3% |
| Real estate loans (share of loans) | 68.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.48B | 68.7% | |
| Commercial & industrial | $425.78M | 8.4% | |
| Consumer / individual | $1.14B | 22.6% | |
| Construction & development | $318.16M | 6.3% | |
| Agricultural | $22.11M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $5.42B | $4.48B | $39.05M | $649.14M |
| Jun 2023 | $5.49B | $4.53B | $38.76M | $677.76M |
| Jun 2024 | $5.77B | $4.74B | $37.49M | $739.89M |
| Jun 2025 | $6.35B | $5.24B | $46.05M | $824.79M |
| Jun 2026 | $6.95B | $5.67B | $55.45M | $907.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $5.08B | 69 |
| West Virginia | $358.37M | 6 |
| Tennessee | $223.44M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.67B.
Similar-sized banks
Cambridge Savings Bank ($6.98B) · The Camden National Bank ($6.94B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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