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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.47% | 1.39% | 1.56% | 1.43% | 1.64% | 1.59% | 1.69% | +13 bps | |
| Return on Equity | 11.24% | 11.41% | 10.87% | 12.10% | 11.05% | 12.57% | 12.08% | 12.88% | +78 bps | |
| Net Interest Margin | 3.24% | 3.28% | 3.35% | 3.46% | 3.46% | 3.53% | 3.57% | 3.61% | +16 bps | |
| Efficiency Ratio | 50.69% | 49.28% | 49.96% | 48.46% | 49.48% | 46.10% | 46.95% | 46.38% | -208 bps | |
| Non-Interest Burden | 1.26% | 1.23% | 1.33% | 1.29% | 1.34% | 1.24% | 1.30% | 1.29% | 0 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% | 0.09% | 0.14% | 0.12% | 0.23% | 0.14% | 0.11% | 0.07% | -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 | |