Community Trust Bank Mortgage Rates, Fees & Info
Pikeville, KYLEI: 254900MQ4O1DX3N88207
Tax ID: 61-0309037
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Overview
Community Trust Bank is a smaller bank specializing in Home Purchase and Refi loans. Community Trust Bank has a high proportion of conventional loans. Their top markets include Lexington, Knoxville, London, Richmond, and Huntington among others. Community Trust Bank has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Community Trust Bank is typically a low fee lendor.Originations
3,922Origination Dollar Volume (All Markets)
$681,440,000Employee count
923Awards
Community Trust Bank - 2021
Community Trust Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Community Trust Bank 's average 30 year fixed rate mortgage of loans were
3.13%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.02%.
Relative Fees
Community Trust Bank 's average total fees for a 30 year fixed rate
mortgage are $2,442.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Outside of Metro Areas | 1,588 | $212,100,000 | $133,564 | $2,283 | 3.13% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 546 | $163,890,000 | $300,165 | $2,320 | 3.34% |
| KNOXVILLE, TN (FHA|USDA|VA) | 221 | $55,165,000 | $249,615 | $2,378 | 3.22% |
| London, KY (FHA|USDA|VA) | 312 | $36,280,000 | $116,282 | $2,186 | 3.48% |
| Richmond-Berea, KY (FHA|USDA|VA) | 162 | $32,190,000 | $198,704 | $2,291 | 3.33% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 238 | $31,140,000 | $130,840 | $2,268 | 3.19% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 43 | $20,225,000 | $470,349 | $2,820 | 3.56% |
| Campbellsville, KY (FHA|USDA|VA) | 192 | $18,550,000 | $96,615 | $2,415 | 3.36% |
| Frankfort, KY (FHA|USDA|VA) | 98 | $14,570,000 | $148,673 | $2,307 | 3.23% |
| Mount Sterling, KY (FHA|USDA|VA) | 103 | $13,455,000 | $130,631 | $2,170 | 3.26% |
| MORRISTOWN, TN (FHA|USDA|VA) | 31 | $11,305,000 | $364,677 | $3,263 | 2.96% |
| Somerset, KY (FHA|USDA|VA) | 90 | $11,260,000 | $125,111 | $2,046 | 3.24% |
| Danville, KY (FHA|USDA|VA) | 67 | $9,155,000 | $136,642 | $2,306 | 3.26% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 31 | $7,975,000 | $257,258 | $2,323 | 3.28% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 6 | $4,520,000 | $753,333 | $0 | 3.96% |
| Sevierville, TN (FHA|USDA|VA) | 11 | $3,875,000 | $352,273 | $3,110 | 3.41% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $3,400,000 | $850,000 | $4,519 | 3.38% |
| Middlesborough, KY (FHA|USDA|VA) | 39 | $3,165,000 | $81,154 | $2,017 | 3.09% |
| Maysville, KY (FHA|USDA|VA) | 18 | $2,910,000 | $161,667 | $2,216 | 3.26% |
| Greeneville, TN (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $2,804 | 2.96% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 5 | $1,805,000 | $361,000 | $4,220 | 2.95% |
| Mount Gay-Shamrock, WV (FHA|USDA|VA) | 13 | $1,795,000 | $138,077 | $2,191 | 3.00% |
| Portsmouth, OH (FHA|USDA|VA) | 10 | $1,550,000 | $155,000 | $2,776 | 3.01% |
| Glasgow, KY (FHA|USDA|VA) | 10 | $1,490,000 | $149,000 | $1,862 | 3.54% |
| Bardstown, KY (FHA|USDA|VA) | 9 | $1,475,000 | $163,889 | $2,311 | 3.26% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 6 | $1,440,000 | $240,000 | $2,463 | 2.88% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 6 | $1,170,000 | $195,000 | $2,118 | 3.35% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $3,913 | 3.50% |
| CHARLESTON, WV (FHA|USDA|VA) | 11 | $1,135,000 | $103,182 | $2,142 | 3.06% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $5,367 | 3.75% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $6,773 | 3.06% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $6,497 | 2.44% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $1,893 | 3.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $6,590 | 4.13% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $2,300 | 3.63% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,221 | 3.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $1,763 | 2.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $11,693 | 2.25% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,008 | 2.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,932 | 3.81% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,521 | 3.38% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,036 | 3.63% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,979 | 3.00% |
| BECKLEY, WV (FHA|USDA|VA) | 4 | $330,000 | $82,500 | $2,197 | 3.59% |
| Cookeville, TN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,092 | 3.88% |
| Madison, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,540 | 3.50% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,941 | 3.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.50% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,490 | 2.38% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,046 | 2.75% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,191 | 2.00% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,606 | 2.88% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,379 | 3.50% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,605 | 2.88% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,351 | 3.13% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,915 | 3.25% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,730 | 3.50% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 3.75% |
| Athens, TN (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 4.25% |
Community Trust Bank 's top markets include Lexington, Knoxville, London, Richmond, and Huntington among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 3,922 | $681,440,000 | $173,748 | $2,327 | 3.24% |
For the 2021 period, Community Trust Bank 's most frequently originated loan type of loans were Conventional, with 3,922 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 1,392 | $350,180,000 | $251,566 | $2,270 | 3.45% |
| Refi | 1,269 | $209,325,000 | $164,953 | $2,231 | 2.97% |
| Cash Out Refi | 485 | $74,245,000 | $153,082 | $2,727 | 2.61% |
| Home Improvement | 402 | $24,660,000 | $61,343 | $1,809 | 3.68% |
| Other | 374 | $23,030,000 | $61,578 | $2,064 | 3.65% |
For the 2021, Community Trust Bank 's most frequently cited loan purpose of loans were Home Purchase, with 1,392 originations. The 2nd most popular reason of loans were Refi, with 1,269 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20 Year | 1,303 | $132,115,000 | $101,393 | $2,320 | 3.54% |
| 30 Year | 1,294 | $265,490,000 | $205,170 | $2,442 | 3.13% |
| 15 Year | 615 | $82,435,000 | $134,041 | $2,186 | 2.63% |
| 30+ year | 294 | $79,890,000 | $271,735 | $2,392 | 3.34% |
| Other | 177 | $46,495,000 | $262,684 | $2,244 | 3.53% |
| 10 Year | 164 | $23,750,000 | $144,817 | $1,774 | 2.97% |
| 1 Year | 50 | $10,130,000 | $202,600 | $0 | 4.28% |
| 5 Year | 23 | $21,115,000 | $918,043 | $1,283 | 4.12% |
| 3 Year | 2 | $20,020,000 | $10,010,000 | $0 | 7.00% |
For the 2021, Community Trust Bank 's most frequently cited loan length of loans were 20 Year, with 1,303 originations. The 2nd most popular length of loans were 30 Year, with 1,294 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 1,943 | $351,985,000 | $181,155 |
| $1k-2k | 419 | $67,275,000 | $160,561 |
| $2k-3k | 180 | $34,660,000 | $192,556 |
| $3k-4k | 98 | $24,970,000 | $254,796 |
| $5k+ | 27 | $9,445,000 | $349,815 |
$2,442 of loans were Community Trust Bank 's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,943 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 1,628 | $314,200,000 | $192,998 |
| 2.5-3% | 845 | $165,455,000 | $195,805 |
| <2.5% | 826 | $126,670,000 | $153,354 |
| 4-5% | 566 | $72,250,000 | $127,650 |
| 5-6% | 45 | $2,335,000 | $51,889 |
| Over 8% | 5 | $155,000 | $31,000 |
| 6-7% | 4 | $140,000 | $35,000 |
| 7-8% | 2 | $70,000 | $35,000 |
During 2021, Community Trust Bank 's average interest rate of loans were 3.13%, while their most frequently originated rate bucket of loans were 3-4%, with 1,628 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 1,617 | $87,025,000 | $53,819 | $1,739 | 3.44% |
| $100k-200k | 1,333 | $189,645,000 | $142,269 | $2,244 | 3.04% |
| $200k-400k | 726 | $195,350,000 | $269,077 | $2,826 | 3.10% |
| $400k-600k | 166 | $79,850,000 | $481,024 | $3,389 | 3.15% |
| $600k-1MM | 54 | $40,940,000 | $758,148 | $3,380 | 3.75% |
| $1MM+ | 26 | $88,630,000 | $3,408,846 | $4,248 | 3.93% |
2021 saw Community Trust Bank place emphasis on $100,000 or less loans with 1,617 originations, totaling $87,025,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k or less | 917 | $79,835,000 | $87,061 | $1,910 | 3.25% |
| $50k-75k | 910 | $111,160,000 | $122,154 | $2,197 | 3.15% |
| $75k-100k | 668 | $97,590,000 | $146,093 | $2,355 | 3.14% |
| $100k-150k | 651 | $116,025,000 | $178,226 | $2,615 | 3.15% |
| $150k-250k | 329 | $79,415,000 | $241,383 | $2,928 | 3.23% |
| $250k+ | 184 | $70,520,000 | $383,261 | $3,066 | 3.30% |
Community Trust Bank lent most frequently to those with incomes in the $50k or less range, with 917 originations. The second most popular income band? $50k-75k, with 910 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 1,018 | $141,060,000 | $138,566 | $2,298 | 3.10% |
| 30-36% | 656 | $98,650,000 | $150,381 | $2,361 | 3.13% |
| <20% | 552 | $64,990,000 | $117,736 | $2,164 | 3.09% |
| 39% | 125 | $21,565,000 | $172,520 | $2,451 | 3.26% |
| 42% | 123 | $20,975,000 | $170,528 | $2,422 | 3.09% |
| 38% | 112 | $16,850,000 | $150,446 | $2,418 | 3.14% |
| 41% | 109 | $18,085,000 | $165,917 | $2,493 | 3.13% |
| 40% | 107 | $16,685,000 | $155,935 | $2,422 | 3.05% |
| 36% | 104 | $17,820,000 | $171,346 | $2,328 | 3.10% |
| 50-60% | 100 | $21,400,000 | $214,000 | $2,123 | 3.45% |
| 37% | 92 | $16,150,000 | $175,543 | $2,337 | 3.10% |
| >60% | 87 | $21,155,000 | $243,161 | $2,363 | 3.47% |
| 44% | 77 | $12,065,000 | $156,688 | $2,278 | 3.05% |
| 43% | 72 | $12,500,000 | $173,611 | $2,541 | 2.98% |
| 45% | 62 | $10,930,000 | $176,290 | $2,240 | 3.13% |
| 46% | 47 | $8,435,000 | $179,468 | $2,251 | 3.03% |
| 47% | 44 | $8,600,000 | $195,455 | $2,556 | 2.99% |
| 48% | 32 | $6,400,000 | $200,000 | $2,345 | 3.08% |
| 49% | 30 | $6,800,000 | $226,667 | $2,773 | 3.00% |
Community Trust Bank lent most frequently to those with DTI ratios of 20-30%, with 1,018 originations. The next most common DTI ratio? 30-36%, with 656 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 3,558 | $531,100,000 | $149,269 | $2,327 | 3.19% |
| Not applicable | 171 | $113,165,000 | $661,784 | $0 | 4.22% |
| Not provided | 81 | $15,205,000 | $187,716 | $2,126 | 3.28% |
| Asian | 44 | $11,750,000 | $267,045 | $2,450 | 2.90% |
| Black | 58 | $8,410,000 | $145,000 | $2,432 | 3.38% |
| Other Asian | 6 | $1,250,000 | $208,333 | $2,124 | 3.77% |
| Asian Indian | 2 | $360,000 | $180,000 | $4,473 | 2.56% |
| American Indian | 1 | $115,000 | $115,000 | $3,220 | 2.88% |
| Other Pacific Islander | 1 | $85,000 | $85,000 | $1,889 | 4.63% |
Approval Rates
Total approvals of all applications87.12%
Community Trust Bank has an average approval rate.
Pick Rate
Approvals leading to origination86.10%
Community Trust Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 1 | $15,000 | $15,000 |
| NA | 3,921 | $681,425,000 | $173,789 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,922 | $681,440,000 | $173,748 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 525 | $44,215,000 | $84,219 | $1,814 | 3.26% |
| 40-60% | 647 | $115,605,000 | $178,679 | $2,078 | 2.97% |
| 60-80% | 1,283 | $278,995,000 | $217,455 | $2,532 | 3.09% |
| 80-100% | 1,020 | $225,640,000 | $221,216 | $2,364 | 3.38% |
| Over 100% | 7 | $1,445,000 | $206,429 | $2,485 | 3.59% |
| Under 20% | 434 | $14,860,000 | $34,240 | $1,462 | 3.68% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| COMMUNITY BANK SYSTEM, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| COMMUNITY BANK SYSTEM, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 50.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Community Trust Bank, Inc. | 1056 Highway 610 W Virgie, KY 41572 | Full Service B&M | $69,573 |
| Community Trust Bank, Inc. | 105 Northgate Drive Pikeville, KY 41501 | Full Service B&M | $30,069 |
| Community Trust Bank, Inc. | 10579 Regina Belcher Hwy Elkhorn City, KY 41522 | Full Service B&M | $35,043 |
| Community Trust Bank, Inc. | 106 South Tennessee Avenue La Follette, TN 37766 | Full Service B&M | $103,398 |
| Community Trust Bank, Inc. | 107 West Main Street E Hindman, KY 41822 | Full Service B&M | $53,442 |
| Community Trust Bank, Inc. | 108 Clark Street Flemingsburg, KY 41041 | Full Service B&M | $14,168 |
| Community Trust Bank, Inc. | 109 Louie Place Lexington, KY 40511 | Full Service B&M | $21,926 |
| Community Trust Bank, Inc. | 110 N Maysville Street Mount Sterling, KY 40353 | Full Service B&M | $63,120 |
| Community Trust Bank, Inc. | 112 Osborne Way Georgetown, KY 40324 | Full Service Retail | $22,805 |
| Community Trust Bank, Inc. | 11792 Us Highway 25 East Pineville, KY 40977 | Full Service B&M | $30,086 |
| Community Trust Bank, Inc. | 120 East Main Street Mount Vernon, KY 40456 | Full Service B&M | $68,772 |
| Community Trust Bank, Inc. | 120 South Main Street Winchester, KY 40391 | Full Service B&M | $86,324 |
| Community Trust Bank, Inc. | 1205 South Highway 127 Frankfort, KY 40601 | Full Service B&M | $22,778 |
| Community Trust Bank, Inc. | 1206 E Cumberland Avenue Middlesboro, KY 40965 | Full Service B&M | $32,992 |
| Community Trust Bank, Inc. | 1218 East Broadway Campbellsville, KY 42718 | Full Service B&M | $51,022 |
| Community Trust Bank, Inc. | 201 North Third Street Williamsburg, KY 40769 | Full Service B&M | $83,165 |
| Community Trust Bank, Inc. | 205 South Main Street Greensburg, KY 42743 | Full Service B&M | $33,392 |
| Community Trust Bank, Inc. | 2101 29th Street Ashland, KY 41101 | Full Service B&M | $29,304 |
| Community Trust Bank, Inc. | 2106 Charles G Seivers Blvd Clinton, TN 37716 | Full Service B&M | $38,733 |
| Community Trust Bank, Inc. | 211 Russell Street Elkhorn City, KY 41522 | Full Service B&M | $30,644 |
| Community Trust Bank, Inc. | 2134 Lake Cumberland Rd Mount Vernon, KY 40456 | Full Service B&M | $48,211 |
| Community Trust Bank, Inc. | 239 North Highway 27 Somerset, KY 42503 | Full Service B&M | $30,872 |
| Community Trust Bank, Inc. | 24 Parkway Plaza Loop Whitesburg, KY 41858 | Full Service B&M | $21,644 |
| Community Trust Bank, Inc. | 2417 Sir Barton Way Lexington, KY 40509 | Full Service B&M | $317,005 |
| Community Trust Bank, Inc. | 254 Cassidy Blvd Pikeville, KY 41501 | Full Service Retail | $13,582 |
| Community Trust Bank, Inc. | 2603 Jacksboro Pike Jacksboro, TN 37757 | Full Service B&M | $44,225 |
| Community Trust Bank, Inc. | 28160 Us Highway 119 South Williamson, KY 41503 | Full Service B&M | $78,670 |
| Community Trust Bank, Inc. | 3090 Richmond Road Lexington, KY 40509 | Full Service B&M | $35,741 |
| Community Trust Bank, Inc. | 507 Main Street Summersville, WV 26651 | Full Service B&M | $105,786 |
| Community Trust Bank, Inc. | 521 West Main Street Lebanon, KY 40033 | Full Service B&M | $33,361 |
| Community Trust Bank, Inc. | 525 Walnut Meadow Road Berea, KY 40403 | Full Service B&M | $43,898 |
| Community Trust Bank, Inc. | 56 Isom Plaza Jeremiah, KY 41826 | Full Service B&M | $38,338 |
| Community Trust Bank, Inc. | 570 Chestnut Street Harrodsburg, KY 40330 | Full Service B&M | $59,772 |
| Community Trust Bank, Inc. | 6424 Ky Route 1428 Allen, KY 41601 | Full Service B&M | $21,363 |
| Community Trust Bank, Inc. | 678 Us Highway 25 West Corbin, KY 40701 | Full Service B&M | $26,744 |
| Community Trust Bank, Inc. | 7100 Us Route 60 Ashland, KY 41102 | Full Service B&M | $31,316 |
| Community Trust Bank, Inc. | 721 Wheatley Road Ashland, KY 41101 | Full Service B&M | $34,784 |
| Community Trust Bank, Inc. | 735 Court Street Fort Gay, WV 25514 | Full Service B&M | $53,358 |
| Community Trust Bank, Inc. | 752 North Main Street Jamestown, KY 42629 | Full Service B&M | $12,329 |
| Community Trust Bank, Inc. | 8049 Lynn Avenue Hamlin, WV 25523 | Full Service B&M | $56,617 |
| Community Trust Bank, Inc. | 860 Eastern Bypass Richmond, KY 40475 | Full Service B&M | $33,738 |
| Community Trust Bank, Inc. | 100 Citizens Lane Hazard, KY 41701 | Full Service B&M | $120,752 |
| Community Trust Bank, Inc. | 100 East Vine Street Lexington, KY 40507 | Full Service B&M | $52,679 |
| Community Trust Bank, Inc. | 1001 Highway 317 Neon, KY 41840 | Full Service B&M | $23,136 |
| Community Trust Bank, Inc. | 1005 Jamestown Street Columbia, KY 42728 | Full Service B&M | $25,149 |
| Community Trust Bank, Inc. | 101 East 2nd Avenue Williamson, WV 25661 | Full Service B&M | $60,104 |
| Community Trust Bank, Inc. | 101 North Main Street Versailles, KY 40383 | Full Service B&M | $65,956 |
| Community Trust Bank, Inc. | 101 Village Lane Hazard, KY 41701 | Full Service B&M | $44,345 |
| Community Trust Bank, Inc. | 125 Winchester Plaza Winchester, KY 40391 | Full Service B&M | $37,806 |
| Community Trust Bank, Inc. | 128 W Main Street Richmond, KY 40475 | Full Service B&M | $84,699 |
| Community Trust Bank, Inc. | 137 Main St, Suite 4 Pikeville, KY 41501 | Full Service B&M | $117,152 |
| Community Trust Bank, Inc. | 1527 Ewing Road Ewing, KY 41039 | Full Service B&M | $12,449 |
| Community Trust Bank, Inc. | 1544 Winchester Avenue Ashland, KY 41101 | Full Service B&M | $79,476 |
| Community Trust Bank, Inc. | 155 Main Street Whitesburg, KY 41858 | Full Service B&M | $105,808 |
| Community Trust Bank, Inc. | 1560 Hustonville Road Danville, KY 40422 | Full Service B&M | $11,464 |
| Community Trust Bank, Inc. | 161 South Lake Drive Prestonsburg, KY 41653 | Full Service B&M | $150,503 |
| Community Trust Bank, Inc. | 1665 Combs Road Hazard, KY 41701 | Full Service B&M | $10,707 |
| Community Trust Bank, Inc. | 1706 West Hwy 192 London, KY 40741 | Full Service B&M | $61,267 |
| Community Trust Bank, Inc. | 185 Pasadena Drive Lexington, KY 40503 | Full Service B&M | $18,483 |
| Community Trust Bank, Inc. | 1918 Cumberland Avenue Middlesboro, KY 40965 | Full Service B&M | $41,574 |
| Community Trust Bank, Inc. | 196 Evans Drive Mount Sterling, KY 40353 | Full Service B&M | $47,674 |
| Community Trust Bank, Inc. | 315 Midway Road Alum Creek, WV 25003 | Full Service B&M | $21,258 |
| Community Trust Bank, Inc. | 32 North Levisa Road Mouthcard, KY 41548 | Full Service B&M | $38,561 |
| Community Trust Bank, Inc. | 346 North Mayo Trail Pikeville, KY 41501 | Full Service B&M | $392,289 |
| Community Trust Bank, Inc. | 36 Brookhaven Drive Flemingsburg, KY 41041 | Full Service B&M | $110,895 |
| Community Trust Bank, Inc. | 38 Shiloh Drive London, KY 40741 | Full Service B&M | $27,066 |
| Community Trust Bank, Inc. | 3809 South Highway 27 Somerset, KY 42501 | Full Service B&M | $48,835 |
| Community Trust Bank, Inc. | 38720 State Highway 194 E Phelps, KY 41553 | Full Service B&M | $42,848 |
| Community Trust Bank, Inc. | 402 Campbellsville Bypass Campbellsville, KY 42718 | Full Service B&M | $27,527 |
| Community Trust Bank, Inc. | 4205 North Mayo Trail Pikeville, KY 41501 | Full Service B&M | $63,424 |
| Community Trust Bank, Inc. | 427 Versailles Rd. Frankfort, KY 40601 | Full Service B&M | $41,333 |
| Community Trust Bank, Inc. | 462 West Main Street Danville, KY 40422 | Full Service B&M | $65,456 |
| Community Trust Bank, Inc. | 470 Lexington Road Versailles, KY 40383 | Full Service B&M | $38,028 |
| Community Trust Bank, Inc. | 470 North Mayo Trail Paintsville, KY 41240 | Full Service Retail | $24,696 |
| Community Trust Bank, Inc. | 895 Hwy 25w South Williamsburg, KY 40769 | Full Service B&M | $45,940 |
| Community Trust Bank, Inc. | 901 Beaumont Centre Parkway Lexington, KY 40513 | Full Service B&M | $54,009 |
| Community Trust Bank, Inc. | 9505 Hwy 805 Jenkins, KY 41537 | Full Service B&M | $20,370 |
| Community Trust Bank, Inc. | 952 Third Avenue Huntington, WV 25701 | Full Service B&M | $19,559 |
| Community Trust Bank, Inc. | 970 Diederich Blvd Russell, KY 41169 | Full Service B&M | $15,497 |
For 2021, Community Trust Bank had 79 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $177,694 |
| Net interest income | $163,630 |
| Total noninterest income | $47,499 |
| Gross Fiduciary activities income | $14 |
| Service charges on deposit accounts | $22,875 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $24,610 |
| Pre-tax net operating income | $110,199 |
| Securities gains (or losses, -) | $-219 |
| Income before extraordinary items | $87,366 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $87,366 |
| Minority interest net income | $0 |
| Net income | $87,366 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $87,539 |
Community Trust Bank 's gross interest income from loans was $177,694,000.
Community Trust Bank 's net interest income from loans was $163,630,000.
Community Trust Bank 's fee based income from loans was $22,875,000.
Community Trust Bank 's net income from loans was $87,366,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $14,064 |
| Provision for credit losses | $-6,587 |
| Total noninterest expense | $107,517 |
| Salaries and employee benefits | $63,502 |
| Premises and equipment expense | $10,545 |
| Additional noninterest expense | $33,470 |
| Applicable income taxes | $22,614 |
| Net charge-offs | $-120 |
| Cash dividends | $29,250 |
Community Trust Bank 's interest expense for loans was $14,064,000.
Community Trust Bank 's payroll and benefits expense were $63,502,000.
Community Trust Bank 's property, plant and equipment expenses $10,545,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 1.0% |
| HELOC loans | 0.0% |
| All other family | 1.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $4,353,900 |
| Deposits held in domestic offices | $4,353,900 |
| Deposits by Individuals, partnerships, and corporations | $3,921,330 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $425,264 |
| Deposits by Commercial banks and other depository institutions in U.S. | $7,306 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $1,437,775 |
| Demand deposits | $1,437,775 |
| Nontransaction accounts | $2,916,125 |
| Money market deposit accounts (MMDAs) | $1,206,401 |
| Other savings deposits (excluding MMDAs) | $632,645 |
| Total time deposits | $1,077,079 |
| Total time and savings deposits | $2,916,125 |
| Noninterest-bearing deposits | $1,338,686 |
| Interest-bearing deposits | $3,015,214 |
| Retail deposits | $4,105,447 |
| IRAs and Keogh plan accounts | $143,057 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $5,384,484 |
| Cash & Balances due from depository institutions | $312,000 |
| Interest-bearing balances | $227,221 |
| Total securities | $1,430,740 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $3,369,689 |
| Loan and leases loss allowance | $41,756 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $52,089 |
| Other real estate owned | $3,486 |
| Goodwill and other intangibles | $67,291 |
| All other assets | $149,189 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $5,384,484 |
| Total Liabilities | $4,669,889 |
| Total deposits | $4,353,900 |
| Interest-bearing deposits | $3,015,214 |
| Deposits held in domestic offices | $4,353,900 |
| % insured (estimated) | $75 |
| Federal funds purchased and repurchase agreements | $271,588 |
| Trading liabilities | $0 |
| Other borrowed funds | $1,797 |
| Subordinated debt | $0 |
| All other liabilities | $42,604 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $3,369,689 |
| Loan and leases loss allowance | $41,756 |
| Total loans and leases (domestic) | $3,411,445 |
| All real estate loans | $2,156,632 |
| Real estate loans in domestic offices | $2,156,632 |
| Construction and development loans | $226,496 |
| Residential 1-4 family construction | $103,704 |
| Other construction, all land development and other land | $122,792 |
| Loans secured by nonfarm nonresidential properties | $843,572 |
| Nonfarm nonresidential secured by owner-occupied properties | $109,680 |
| Commercial real estate & other non-farm, non-residential | $733,892 |
| Multifamily residential real estate | $147,023 |
| 1-4 family residential loans | $880,424 |
| Farmland loans | $59,117 |
| Loans held in foreign offices | $0 |
| Farm loans | $17,931 |
| Commercial and industrial loans | $329,064 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $847,356 |
| Credit card loans | $0 |
| Related Plans | $4,224 |
| Consumer Auto Loans | $597,320 |
| Other loans to individuals | $245,812 |
| All other loans & leases | $60,462 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $48,737 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $890 |
| Loans secured by real estate to non-U.S. addressees | $93 |
| Restructured Loans & leases | $67,391 |
| Non 1-4 family restructured loans & leases | $37,516 |
| Total loans and leases (foreign) | $0 |
Community Trust Bank had $3,369,689,000 of loans outstanding in 2021. $2,156,632,000 of loans were in real estate loans. $226,496,000 of loans were in development loans. $147,023,000 of loans were in multifamily mortgage loans. $880,424,000 of loans were in 1-4 family mortgage loans. $17,931,000 of loans were in farm loans. $0 of loans were in credit card loans. $597,320,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 1,169 | $230,304 | $197,009 |
| Nonfarm, nonresidential loans - <$100k | 294 | $11,375 | $38,690 |
| Nonfarm, nonresidential loans - $100-250k | 409 | $47,956 | $117,252 |
| Nonfarm, nonresidential loans - $250k-1MM | 466 | $170,973 | $366,895 |
| Commercial & Industrial, US addressed loans - <$1MM | 2,411 | $141,025 | $58,492 |
| Commercial & Industrial, US addressed loans - <$100k | 1,816 | $39,723 | $21,874 |
| Commercial & Industrial, US addressed loans - $100-250k | 342 | $35,524 | $103,871 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 253 | $65,778 | $259,992 |
| Farmland loans - <$1MM | 375 | $37,067 | $98,845 |
| Farmland loans - <$100k | 183 | $7,471 | $40,825 |
| Farmland loans - $100-250k | 150 | $17,824 | $118,827 |
| Farmland loans - $250k-1MM | 42 | $11,772 | $280,286 |
| Agriculture operations loans - <$1MM | 326 | $8,786 | $26,951 |
| Agriculture operations loans - <$100k | 292 | $5,393 | $18,469 |
| Agriculture operations loans - $100-250k | 30 | $2,564 | $85,467 |
| Agriculture operations loans - $250k-1MM | 4 | $829 | $207,250 |
