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Community Trust Bank, Inc.
Pikeville, KY·FDIC Cert #2720·Charter: STATE·Est. 19031117.0·HC: COMMUNITY TRUST BCORP INC
Total Assets
$6.6B
Q4 2025
Return on Assets
1.50%
+0.05%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
48.45%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.50%+0.05
ROE
11.66%+0.32
Efficiency
48.45%-0.84
Equity/Assets
0.00%+0.00
NPL Ratio
0.40%-0.13
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.61%+1.79
Charge-offs
0.16%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.3 | 1.4 | 1.4 | 1.4 | 1.5 | 1.5 | 1.5 |
| ROE | 10.2 | 10.3 | 10.6 | 10.8 | 10.9 | 11.5 | 11.3 | 11.7 |
| Efficiency | 53.2 | 51.8 | 51.4 | 50.9 | 50.0 | 49.2 | 49.3 | 48.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.5 | 0.6 | 0.6 | 0.6 | 0.5 | 0.5 | 0.4 |
| Charge-offs | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 |
| Loan/Deposit | 85.8 | 88.8 | 88.7 | 87.2 | 89.4 | 88.7 | 87.8 | 89.6 |
Balance Sheet
Total Assets$6.6B
Total Deposits$5.4B
Total Loans$4.8B
Total Equity$873.4M
Profitability
ROA1.50%
ROE11.66%
Efficiency Ratio48.45%
Net Income$96.2M
Risk & Asset Quality
NPL Ratio0.40%
Charge-off Rate0.16%
Loan/Deposit89.61%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans