Community Trust Bank, Inc.
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
$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 176).
- Widest gap: net charge-offs / loans trails 73% of banks $1B-$10B in assets operating regionally (rank 129 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
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 | 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 |