Side-by-side · Q2 2026 data
Citizens Bank of Kentucky, Inc. vs Community Trust Bank, Inc.
Metric by metric
| Measure | Citizens Bank of Kentucky, Inc. | Community Trust Bank, Inc. |
|---|---|---|
| TellerScore | 79 | 80 (stronger) |
| Capital cushion | 85 (stronger) | 84 |
| Loan quality | 72 | 81 (stronger) |
| Earnings | 61 | 86 (stronger) |
| Funding & liquidity | 95 (stronger) | 55 |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 75th | 90th |
| Total assets | $669.9M | $6.9B |
| Deposits / shares | $571.0M | $5.7B |
| Capital ratio | 13.51% (stronger) | 13.43% |
| Problem loans | 0.85% | 0.58% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.09% |
| Return on assets | 1.04% | 1.64% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 89.3% |
| Uninsured deposits | 20.0% (stronger) | 29.6% |
| Offices | 12 | 78 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | 13.9% |
Community Trust Bank, Inc. has the higher TellerScore (80 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Kentucky, Inc. leads on 4 and Community Trust Bank, Inc. on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Pikeville, KY
- Ashland, KY
- Paintsville, KY
- Winchester, KY
- Allen, KY
- Prestonsburg, KY