Community Trust Bank, Inc. (FDIC certificate #2720) is based in Pikeville, Kentucky. Its Q2 2026 call report shows $6.9B in total assets and $5.7B in deposits and 78 offices across 3 states.
Community Trust Bank, Inc. has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 90% of its 897 banks with $1 billion – $10 billion. Among 120 banks headquartered in Kentucky, it ranks 23rd. Problem-loan coverage contributes the most (93/100, 3.4%); funding & liquidity contributes the least (55/100, 89% loans-to-deposits, 30% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 79 |
| Q4 2024 | 78 |
| Q1 2025 | 78 |
| Q2 2025 | 79 |
| Q3 2025 | 79 |
| Q4 2025 | 80 |
| Q1 2026 | 81 |
| Q2 2026 | 80 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.42% |
| Q3 2024 | 13.51% |
| Q4 2024 | 13.29% |
| Q1 2025 | 13.32% |
| Q2 2025 | 13.33% |
| Q3 2025 | 13.21% |
| Q4 2025 | 13.19% |
| Q1 2026 | 13.42% |
| Q2 2026 | 13.43% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.57% |
| Q2 2025 | 0.52% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.39% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.58% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.30% |
| Q3 2024 | 1.35% |
| Q4 2024 | 1.38% |
| Q1 2025 | 1.39% |
| Q2 2025 | 1.47% |
| Q3 2025 | 1.46% |
| Q4 2025 | 1.50% |
| Q1 2026 | 1.59% |
| Q2 2026 | 1.64% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $6.9B | 13.43% | 0.58% | 1.64% | 89.3% |
| Q1 2026 | 81 | $6.7B | 13.42% | 0.42% | 1.59% | 90.6% |
| Q4 2025 | 80 | $6.6B | 13.19% | 0.39% | 1.50% | 89.6% |
| Q3 2025 | 79 | $6.6B | 13.21% | 0.51% | 1.46% | 87.8% |
| Q2 2025 | 79 | $6.4B | 13.33% | 0.52% | 1.47% | 88.7% |
| Q1 2025 | 78 | $6.2B | 13.32% | 0.57% | 1.39% | 89.4% |
| Q4 2024 | 78 | $6.2B | 13.29% | 0.59% | 1.38% | 87.2% |
| Q3 2024 | 79 | $5.9B | 13.51% | 0.58% | 1.35% | 88.7% |
| Q2 2024 | 79 | $5.8B | 13.42% | 0.47% | 1.30% | 88.8% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Central Bank & Trust Co.Bank Lexington, KY | 76 out of 100, Strong | $4.0B | 12.4% | 0.21% | vs |
| Independence Bank of KentuckyBank Owensboro, KY | 69 out of 100, Moderate | $3.8B | 9.4% | 0.12% | vs |
| Traditional Bank, Inc.Bank Mount Sterling, KY | 73 out of 100, Strong | $2.4B | 10.6% | 0.25% | vs |
| South Central Bank, Inc.Bank Glasgow, KY | 72 out of 100, Strong | $2.3B | 9.9% | 0.30% | vs |
| Heritage Bank, Inc.Bank Burlington, KY | 65 out of 100, Moderate | $2.0B | 9.0% | 0.47% | vs |
Deposit insurance
Is my money safe at Community Trust Bank, Inc.?
Yes. Community Trust Bank, Inc. is an FDIC-insured institution (FDIC certificate #2720). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.6% of deposits ($1.7B) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.43%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
78 locations
Branches
Community Trust Bank, Inc. lists 78 offices in 52 cities across 3 states. Most locations:
- Lexington, KY (6)
- Pikeville, KY (5)
- Hazard, KY (3)
- Ashland, KY (2)
- Campbellsville, KY (2)
- Danville, KY (2)
- Elkhorn City, KY (2)
- Flemingsburg, KY (2)
- Frankfort, KY (2)
- Georgetown, KY (2)
- London, KY (2)
- Middlesboro, KY (2)
HMDA 2025
Mortgage lending
In 2025, Community Trust Bank, Inc. reported 3,106 home-loan applications under HMDA (LEI 254900MQ4O1DX3N88207): 2,436 originated ($514,990,000 total), 397 denied, and 259 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Community Trust Bank, Inc.
- Former names
- Pikeville National Bank & Trust Company; Community Trust Bank, National Association
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 2720
- RSSD ID
- 509811
- Primary regulator
- FED
- Holding company
- Community Trust Bcorp Inc
- Established
- November 17, 1903
- Headquarters
- 346 N Mayo Trl, Pikeville, KY 41501
- Website
- www.ctbi.com
- Employees
- 914
Quick answers
Community Trust Bank, Inc.: common questions
Is Community Trust Bank, Inc. FDIC insured?
Yes. Community Trust Bank, Inc. is an FDIC-insured institution (FDIC certificate #2720). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community Trust Bank, Inc.'s TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Community Trust Bank, Inc. ever failed?
There is no failure record for FDIC certificate #2720 in the FDIC failed bank list.
How many branches does Community Trust Bank, Inc. have?
78 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Pikeville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Citizens Bank of Kentucky, Inc.Bank Paintsville, KY | 79 out of 100, Strong | $669.9M | 13.5% | 0.85% | vs |
| New Peoples Bank, Inc.Bank Honaker, VA | 76 out of 100, Strong | $942.5M | 11.2% | 0.45% | vs |
| Commonwealth Federal Credit UnionCredit union Frankfort, KY | 73 out of 100, Strong | $2.9B | 11.3% | 0.87% | vs |
| Pinnacle Bank, Inc.Bank Pikeville, KY | 67 out of 100, Moderate | $57.9M | 15.7% | 1.74% | vs |
| Peoples BankBank Marietta, OH | 67 out of 100, Moderate | $9.5B | 9.7% | 0.60% | vs |