Community Trust Bank, Inc.
Pikeville, KY · Cert 2720 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · Community Trust Bcorp Inc.
State charter, Fed member · FED · 78 branches
Q2 2026
$6.9BAssets
$5.1BLoans
$5.7BDeposits
$907.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 89% of banks $1B-$10B in assets operating regionally (rank 21 of 174).
- Widest gap: net charge-offs / loans trails 73% of banks $1B-$10B in assets operating regionally (rank 128 of 174).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.60%
Rank 35 of 174
Net Interest Margin
3.55%
Rank 89 of 174
Efficiency Ratio
46.66%
Rank 21 of 174
Equity / Assets
13.06%
Rank 21 of 174
Non-interest income vs. expense
Unfavorable gap of $88.1M · efficiency ratio beats 89% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.60% | 0.93% | 1.27% | 1.52% | Beats 80% | 35 / 174 | |
| Return on Equity | 12.22% | 9.26% | 11.89% | 14.41% | Beats 53% | 81 / 174 | |
| Net Interest Margin | 3.55% | 3.22% | 3.56% | 3.91% | Beats 49% | 89 / 174 | |
| Efficiency Ratio | 46.66% | 51.59% | 59.21% | 67.02% | Beats 89% | 21 / 174 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.29% | 0.60% | 1.18% | Beats 52% | 85 / 174 | |
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.03% | 0.10% | Beats 27% | 128 / 174 | |
| Capital |
| Tier 1 Capital Ratio | 13.43% | 11.19% | 12.82% | 14.11% | Beats 64% | 62 / 174 | |
| Total Risk-Based Capital Ratio | 13.43% | 11.81% | 13.70% | 15.33% | Beats 47% | 93 / 174 | |
| Equity / Assets | 13.06% | 9.15% | 10.31% | 11.72% | Beats 88% | 21 / 174 | |
| Liquidity & Funding |
| Loans / Deposits | 90.46% | 80.93% | 90.31% | 97.12% | 51st pctl | 86 / 174 | |
| Loans / Assets | 73.77% | 69.01% | 75.52% | 80.85% | 43rd pctl | 100 / 174 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |