Pikeville, KY · Cert 2720 · Community Trust Bcorp Inc.
State charter, Fed member · FED · 78 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
41
Profitability
60
Liquidity
94
Efficiency
89
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pikeville, KY · Cert 2720 · Community Trust Bcorp Inc.
State charter, Fed member · FED · 78 branches
Q2 2026
Market Position · Lexington-Fayette, KY · 2026 SOD (annual) · 5.8% share · #6 of 36 inst. · $0.9B of $16.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.38% | 1.39% | 1.47% | 1.46% | 1.50% | 1.59% | 1.64% | +17 bps | |
| Return on Equity | 10.56% | 10.81% | 10.87% | 11.49% | 11.34% | 11.66% | 12.08% | 12.47% | +98 bps | |
| Net Interest Margin | 3.13% | 3.09% | 3.35% | 3.37% | 3.34% | 3.33% | 3.57% | 3.55% | +18 bps | |
| Efficiency Ratio | 51.42% | 50.86% | 49.96% | 49.19% | 49.29% | 48.45% | 46.95% | 46.66% | -253 bps | |
| Non-Interest Burden | 1.22% | 1.19% | 1.33% | 1.30% | 1.29% | 1.26% | 1.30% | 1.28% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.67% | 7.32% | 7.29% | 10.10% | 11.35% | 7.94% | 7.43% | 9.40% | -70 bps | |
| Loan Growth (YoY) | 9.17% | 10.76% | 11.42% | 10.34% | 10.20% | 9.10% | 7.64% | 8.99% | -135 bps | |
| Deposit Growth (YoY) | 4.42% | 7.39% | 6.94% | 10.50% | 11.28% | 6.19% | 6.22% | 8.15% | -236 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.58% | 0.59% | 0.57% | 0.52% | 0.51% | 0.39% | 0.42% | 0.58% | +6 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.12% | 0.14% | 0.12% | 0.16% | 0.15% | 0.11% | 0.09% | -4 bps | |
| Allowance / Loans | 1.23% | 1.23% | 1.23% | 1.23% | 1.23% | 1.23% | 1.23% | 1.23% | 0 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.1x | 2.1x | 2.4x | 2.4x | 3.1x | 3.0x | 2.1x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.51% | 13.29% | 13.32% | 13.33% | 13.21% | 13.19% | 13.42% | 13.43% | +10 bps | |
| Total Risk-Based Capital | 13.51% | 13.29% | 13.32% | 13.33% | 13.21% | 13.19% | 13.42% | 13.43% | +10 bps | |
| Equity / Assets | 13.18% | 12.63% | 12.86% | 12.99% | 12.86% | 13.15% | 13.23% | 13.06% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.79% | 88.31% | 90.50% | 89.76% | 88.92% | 90.72% | 91.71% | 90.46% | +70 bps | |
| Liquid Assets / Assets | 1.88% | 4.36% | 3.72% | 4.32% | 6.01% | 3.95% | 3.28% | 5.84% | +152 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 200% | 205% | 208% | n/a | n/a | |
Pikeville, KY · Cert 2720 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Community Trust Bcorp Inc.
State charter, Fed member · FED · 78 branches
Q2 2026
Return on Assets
1.60%
Rank 37 of 176
Net Interest Margin
3.55%
Rank 94 of 176
Efficiency Ratio
46.66%
Rank 21 of 176
Equity / Assets
13.06%
Rank 23 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 0.93% | 1.26% | 1.54% | Beats 79% | 37 / 176 | ||
| Return on Equity | 12.22% | 9.26% | 11.89% | 14.46% | Beats 53% | 83 / 176 | ||
| Net Interest Margin | 3.55% | 3.25% | 3.59% | 3.93% | Beats 47% | 94 / 176 | ||
| Efficiency Ratio | 46.66% | 52.79% | 59.55% | 67.66% | Beats 89% | 21 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.58% | 0.30% | 0.64% | 1.32% | Beats 54% | 82 / 176 | ||
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.04% | 0.10% | Beats 27% | 129 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.43% | 11.15% | 12.72% | 14.15% | Beats 65% | 62 / 176 | ||
| Total Risk-Based Capital Ratio | 13.43% | 11.81% | 13.63% | 15.33% | Beats 48% | 92 / 176 | ||
| Equity / Assets | 13.06% | 9.16% | 10.35% | 11.80% | Beats 87% | 23 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.46% | 80.94% | 89.73% | 97.21% | 51st pctl | 86 / 176 | ||
| Loans / Assets | 73.77% | 69.25% | 75.12% | 80.82% | 44th pctl | 99 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||