Community Trust Bank Mortgage Rates, Fees & Info

Pikeville, KY

LEI: 254900MQ4O1DX3N88207

Tax ID: 61-0309037

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & 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 by origination volume include: Lexington, Huntington, Richmond, London, and Knoxville among others. We have data for 47 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Community Trust Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Community Trust Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 12/16/24
    30 Year Conventional Purchase 6.99% 12/16/24
    30 Year Conventional Refi 6.96% 12/16/24
    30 Year Cash-out Refi 6.66% 12/16/24
    15 Year Conventional Purchase 6.54% 12/16/24
    15 Year Conventional Refi 6.37% 12/16/24
    15 Year Cash-out Refi 6.37% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Community Trust Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Community Trust Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,558

    Origination Dollar Volume (All Markets)

    $285,790,000

    Employee count

    934 Show all (8) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Outside of Metro Areas 1,111 $100,485,000 $90,446 $2,135 4.99%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 343 $57,175,000 $166,691 $2,257 5.13%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 144 $18,710,000 $129,931 $2,597 5.15%
    Richmond-Berea, KY (FHA|USDA|VA) 110 $18,210,000 $165,545 $2,493 5.12%
    London, KY (FHA|USDA|VA) 205 $16,535,000 $80,659 $2,834 5.07%
    KNOXVILLE, TN (FHA|USDA|VA) 95 $12,745,000 $134,158 $2,328 5.04%
    Campbellsville, KY (FHA|USDA|VA) 151 $10,065,000 $66,656 $2,237 5.22%
    Frankfort, KY (FHA|USDA|VA) 72 $9,160,000 $127,222 $2,073 5.30%
    Danville, KY (FHA|USDA|VA) 56 $7,620,000 $136,071 $2,142 5.14%
    Somerset, KY (FHA|USDA|VA) 78 $7,460,000 $95,641 $2,271 4.92%
    Mount Sterling, KY (FHA|USDA|VA) 66 $5,480,000 $83,030 $2,000 5.16%
    LOUISVILLE, KY (FHA|USDA|VA) 13 $3,995,000 $307,308 $2,429 5.17%
    MORRISTOWN, TN (FHA|USDA|VA) 16 $3,290,000 $205,625 $3,191 5.16%
    Bardstown, KY (FHA|USDA|VA) 8 $1,070,000 $133,750 $2,390 5.05%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $14,802 4.88%
    Middlesborough, KY (FHA|USDA|VA) 18 $900,000 $50,000 $1,674 5.16%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $850,000 $425,000 $6,872 4.38%
    Portsmouth, OH (FHA|USDA|VA) 3 $825,000 $275,000 $3,037 5.38%
    CHARLESTON, WV (FHA|USDA|VA) 12 $820,000 $68,333 $2,400 4.82%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $810,000 $405,000 $5,895 5.38%
    Sevierville, TN (FHA|USDA|VA) 3 $685,000 $228,333 $2,862 4.50%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 9 $635,000 $70,556 $2,290 4.85%
    Maysville, KY (FHA|USDA|VA) 6 $630,000 $105,000 $2,443 5.31%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $600,000 $300,000 $2,860 4.06%
    FLINT, MI (FHA|USDA|VA) 1 $475,000 $475,000 $3,432 4.50%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $460,000 $230,000 $0 6.25%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $455,000 $455,000 $2,042 5.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $445,000 $445,000 $7,826 4.38%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $440,000 $220,000 $2,190 4.44%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 3 $415,000 $138,333 $3,083 5.13%
    Big Stone Gap, VA (FHA|USDA|VA) 3 $355,000 $118,333 $2,700 4.83%
    Glasgow, KY (FHA|USDA|VA) 2 $330,000 $165,000 $2,186 5.19%
    BECKLEY, WV (FHA|USDA|VA) 1 $305,000 $305,000 $865 4.75%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $305,000 $305,000 $4,260 4.50%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $275,000 $275,000 $4,580 4.63%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $250,000 $125,000 $2,990 4.13%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $245,000 $245,000 $3,173 4.88%
    Greeneville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $2,044 3.88%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $205,000 $205,000 $1,914 4.88%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $175,000 $175,000 $3,074 4.75%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $165,000 $165,000 $2,054 4.50%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,889 4.38%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $115,000 $115,000 $3,663 3.88%
    MUNCIE, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.50%
    Indiana, PA (FHA|USDA|VA) 1 $65,000 $65,000 $2,063 4.88%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $50,000 $25,000 $0 6.75%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.75%
    Community Trust Bank's top markets include Lexington, Huntington, Richmond, London, and Knoxville among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • West Virginia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Community Trust Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    CONSUMER Credit Union
    Similarity Rank: 16
    The Monticello Banking Company
    Similarity Rank: 98
    The Peoples Bank
    Similarity Rank: 120
    Town Square Bank
    Similarity Rank: 120
    MIAMI UNIVERSITY COMMUNITY
    Similarity Rank: 120
    The Poca Valley Bank, Inc.
    Similarity Rank: 133
    CINCINNATI OHIO POLICE
    Similarity Rank: 172
    CU COMMUNITY, LLC
    Similarity Rank: 192
    DESCO
    Similarity Rank: 216
    Bank of Lexington, Inc.
    Similarity Rank: 324

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,455 $232,125,000 $159,536 $2,300 4.88%
    HELOC 1,103 $53,665,000 $48,654 n/a 5.29%

    For 2018, Community Trust Bank's most frequently originated type of loan was Conventional, with 1,455 originations. Their 2nd most popular type was HELOC, with 1,103 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 942 $156,290,000 $165,913 $2,384 4.90%
    Refi 740 $80,480,000 $108,757 $2,144 5.00%
    Other 430 $21,350,000 $49,651 $1,839 5.36%
    Home Improvement 341 $16,275,000 $47,727 $1,812 5.38%
    Cash Out Refi 105 $11,395,000 $108,524 $2,515 4.58%

    For 2018, Community Trust Bank's most frequently cited loan purpose was Home Purchase, with 942 originations. The 2nd most popular reason was Refi, with 740 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 1,297 $82,805,000 $63,843 $2,130 5.27%
    30 Year 603 $110,915,000 $183,939 $2,366 4.76%
    15 Year 246 $23,780,000 $96,667 $2,146 4.87%
    30+ year 132 $29,790,000 $225,682 $2,430 4.06%
    Other 118 $16,550,000 $140,254 $3,143 5.26%
    10 Year 76 $4,220,000 $55,526 $1,762 5.47%
    1 Year 51 $6,305,000 $123,627 $0 5.53%
    3 Year 18 $3,400,000 $188,889 $0 5.29%
    5 Year 17 $8,025,000 $472,059 $1,106 5.80%

    For 2018, Community Trust Bank's most frequently cited loan duration was 20 Year, with 1,297 originations. The 2nd most popular length was 30 Year, with 603 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 900 $146,680,000 $162,978
    $1k-2k 140 $16,760,000 $119,714
    $2k-3k 50 $7,320,000 $146,400
    $3k-4k 15 $3,135,000 $209,000
    $4k-5k 6 $1,320,000 $220,000
    $5k+ 3 $1,115,000 $371,667

    Community Trust Bank's average total fees were $2,366, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 900 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,392 $172,240,000 $123,736
    5-6% 723 $70,535,000 $97,559
    6-7% 227 $12,635,000 $55,661
    3-4% 185 $29,055,000 $157,054
    7-8% 22 $750,000 $34,091
    Over 8% 7 $155,000 $22,143
    2.5-3% 2 $420,000 $210,000

    During 2018, Community Trust Bank's average interest rate for loans was 4.76%, while their most frequently originated rate bucket for loans was 4-5%, with 1,392 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,626 $73,870,000 $45,431 $1,880 5.22%
    $100k-200k 585 $81,185,000 $138,778 $2,315 4.81%
    $200k-400k 269 $72,515,000 $269,572 $2,903 4.69%
    $400k-600k 45 $21,255,000 $472,333 $2,707 4.81%
    $600k-1MM 20 $14,040,000 $702,000 $3,345 4.94%
    $1MM+ 13 $22,925,000 $1,763,462 $6,285 4.90%

    2018 saw Community Trust Bank place emphasis on $100,000 or less loans with 1,626 originations, totaling $73,870,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 732 $43,560,000 $59,508 $1,946 5.07%
    $50k-75k 579 $46,485,000 $80,285 $2,214 5.02%
    $75k-100k 409 $41,565,000 $101,626 $2,556 5.02%
    $100k-150k 381 $49,795,000 $130,696 $2,421 5.02%
    $150k-250k 136 $26,430,000 $194,338 $2,552 4.94%
    $250k+ 88 $29,070,000 $330,341 $3,446 4.92%

    Community Trust Bank lent most frequently to those with incomes in the $50k or less range, with 732 originations. The second most popular income band? $50k-75k, with 579 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 661 $61,315,000 $92,761 $2,269 5.03%
    <20% 419 $30,325,000 $72,375 $2,151 5.03%
    30-36% 413 $43,325,000 $104,903 $2,216 4.93%
    37% 86 $9,310,000 $108,256 $3,101 5.04%
    38% 76 $10,660,000 $140,263 $2,402 4.89%
    39% 70 $8,000,000 $114,286 $2,648 5.03%
    42% 67 $9,875,000 $147,388 $2,126 5.07%
    40% 61 $9,765,000 $160,082 $2,749 4.85%
    36% 59 $5,895,000 $99,915 $2,112 4.98%
    41% 58 $5,990,000 $103,276 $2,135 4.89%
    50-60% 47 $7,925,000 $168,617 $2,262 4.70%
    >60% 42 $7,960,000 $189,524 $2,318 5.08%
    43% 38 $4,610,000 $121,316 $2,296 4.72%
    46% 26 $2,890,000 $111,154 $2,141 4.96%
    45% 25 $2,855,000 $114,200 $2,338 4.83%
    44% 20 $2,400,000 $120,000 $2,345 4.72%
    48% 16 $1,640,000 $102,500 $2,245 4.86%
    47% 13 $1,415,000 $108,846 $1,738 5.05%
    49% 10 $1,810,000 $181,000 $2,221 5.38%

    Community Trust Bank lent most frequently to those with DTI ratios of 20-30%, with 661 originations. The next most common DTI ratio? <20%, with 419 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,324 $234,200,000 $100,775 $2,303 5.03%
    Not applicable 157 $40,295,000 $256,656 $0 5.51%
    Asian 23 $5,415,000 $235,435 $2,614 4.72%
    Black 32 $3,210,000 $100,313 $1,819 5.03%
    Not provided 14 $1,930,000 $137,857 $2,319 5.38%
    Asian Indian 1 $275,000 $275,000 $2,307 4.63%
    Other Asian 3 $225,000 $75,000 $1,705 5.38%
    Native Hawaiian or Islander 2 $180,000 $90,000 $2,378 4.50%
    Filipino 1 $45,000 $45,000 $0 4.75%
    American Indian 1 $15,000 $15,000 $0 5.75%

    Approval Rates

    Total approvals of all applications
    87.20%

    Community Trust Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.55%

    Community Trust Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,558 $285,790,000 $111,724

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $405,000 $405,000
    Multifamily:Site-Built 27 $21,855,000 $809,444
    Single Family (1-4 Units):Manufactured 323 $19,085,000 $59,087
    Single Family (1-4 Units):Site-Built 2,207 $244,445,000 $110,759

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 509 $29,825,000 $58,595 $1,796 5.19%
    40-60% 323 $32,495,000 $100,604 $2,161 4.97%
    60-80% 651 $94,495,000 $145,154 $2,329 4.90%
    80-100% 618 $113,960,000 $184,401 $2,327 4.90%
    Over 100% 9 $1,795,000 $199,444 $7,217 4.82%
    Under 20% 445 $13,035,000 $29,292 $1,298 5.43%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Community Lending of America, Inc. VA mortgage Closing on a mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Community Trust Bank, Inc. 100 Citizens Lane Hazard, KY 41701 Full Service B&M $82,565
    Community Trust Bank, Inc. 100 East Vine Street Lexington, KY 40507 Full Service B&M $39,898
    Community Trust Bank, Inc. 1001 Highway 317 Neon, KY 41840 Full Service B&M $19,253
    Community Trust Bank, Inc. 1005 Jamestown Street Columbia, KY 42728 Full Service B&M $21,393
    Community Trust Bank, Inc. 101 East 2nd Avenue Williamson, WV 25661 Full Service B&M $52,238
    Community Trust Bank, Inc. 101 North Main Street Versailles, KY 40383 Full Service B&M $52,438
    Community Trust Bank, Inc. 101 Village Lane Hazard, KY 41701 Full Service B&M $30,320
    Community Trust Bank, Inc. 105 Northgate Drive Pikeville, KY 41501 Full Service B&M $21,266
    Community Trust Bank, Inc. 1056 Highway 610 W Virgie, KY 41572 Full Service B&M $59,857
    Community Trust Bank, Inc. 10579 Regina Belcher Hwy Elkhorn City, KY 41522 Full Service B&M $28,026
    Community Trust Bank, Inc. 106 South Tennessee Avenue La Follette, TN 37766 Full Service B&M $88,001
    Community Trust Bank, Inc. 107 West Main Street E Hindman, KY 41822 Full Service B&M $29,947
    Community Trust Bank, Inc. 108 Clark Street Flemingsburg, KY 41041 Full Service B&M $10,343
    Community Trust Bank, Inc. 109 Louie Place Lexington, KY 40511 Full Service B&M $16,141
    Community Trust Bank, Inc. 110 N Maysville Street Mount Sterling, KY 40353 Full Service B&M $54,656
    Community Trust Bank, Inc. 112 Osborne Way Georgetown, KY 40324 Full Service Retail $14,454
    Community Trust Bank, Inc. 11792 Us Highway 25 East Pineville, KY 40977 Full Service B&M $25,512
    Community Trust Bank, Inc. 120 East Main Street Mount Vernon, KY 40456 Full Service B&M $46,657
    Community Trust Bank, Inc. 120 South Main Street Winchester, KY 40391 Full Service B&M $68,315
    Community Trust Bank, Inc. 1205 South Highway 127 Frankfort, KY 40601 Full Service B&M $43,133
    Community Trust Bank, Inc. 1206 E Cumberland Avenue Middlesboro, KY 40965 Full Service B&M $24,112
    Community Trust Bank, Inc. 1218 East Broadway Campbellsville, KY 42718 Full Service B&M $44,402
    Community Trust Bank, Inc. 125 Winchester Plaza Winchester, KY 40391 Full Service B&M $30,242
    Community Trust Bank, Inc. 128 W Main Street Richmond, KY 40475 Full Service B&M $76,007
    Community Trust Bank, Inc. 137 Main St, Suite 4 Pikeville, KY 41501 Full Service B&M $81,913
    Community Trust Bank, Inc. 1527 Ewing Road Ewing, KY 41039 Full Service B&M $11,250
    Community Trust Bank, Inc. 1544 Winchester Avenue Ashland, KY 41101 Full Service B&M $80,501
    Community Trust Bank, Inc. 155 Main Street Whitesburg, KY 41858 Full Service B&M $80,557
    Community Trust Bank, Inc. 1560 Hustonville Road Danville, KY 40422 Full Service B&M $9,390
    Community Trust Bank, Inc. 161 South Lake Drive Prestonsburg, KY 41653 Full Service B&M $109,130
    Community Trust Bank, Inc. 1665 Combs Road Hazard, KY 41701 Full Service B&M $8,285
    Community Trust Bank, Inc. 1706 West Hwy 192 London, KY 40741 Full Service B&M $44,963
    Community Trust Bank, Inc. 185 Pasadena Drive Lexington, KY 40503 Full Service B&M $17,065
    Community Trust Bank, Inc. 1918 Cumberland Avenue Middlesboro, KY 40965 Full Service B&M $42,152
    Community Trust Bank, Inc. 196 Evans Drive Mount Sterling, KY 40353 Full Service B&M $32,232
    Community Trust Bank, Inc. 201 North Third Street Williamsburg, KY 40769 Full Service B&M $68,781
    Community Trust Bank, Inc. 205 South Main Street Greensburg, KY 42743 Full Service B&M $25,574
    Community Trust Bank, Inc. 2101 29th Street Ashland, KY 41101 Full Service B&M $26,690
    Community Trust Bank, Inc. 2106 Charles G Seivers Blvd Clinton, TN 37716 Full Service B&M $32,219
    Community Trust Bank, Inc. 211 Russell Street Elkhorn City, KY 41522 Full Service B&M $30,210
    Community Trust Bank, Inc. 2134 Lake Cumberland Rd Mount Vernon, KY 40456 Full Service B&M $40,891
    Community Trust Bank, Inc. 2205 Jacksboro Pike La Follette, TN 37766 Full Service B&M $12,795
    Community Trust Bank, Inc. 239 North Highway 27 Somerset, KY 42503 Full Service B&M $26,018
    Community Trust Bank, Inc. 24 Parkway Plaza Loop Whitesburg, KY 41858 Full Service B&M $13,530
    Community Trust Bank, Inc. 2417 Sir Barton Way Lexington, KY 40509 Full Service B&M $70,494
    Community Trust Bank, Inc. 254 Cassidy Blvd Pikeville, KY 41501 Full Service Retail $9,666
    Community Trust Bank, Inc. 2603 Jacksboro Pike Jacksboro, TN 37757 Full Service B&M $32,934
    Community Trust Bank, Inc. 28160 Us Highway 119 South Williamson, KY 41503 Full Service B&M $66,391
    Community Trust Bank, Inc. 3090 Richmond Road Lexington, KY 40509 Full Service B&M $19,264
    Community Trust Bank, Inc. 315 Midway Road Alum Creek, WV 25003 Full Service B&M $18,439
    Community Trust Bank, Inc. 32 North Levisa Road Mouthcard, KY 41548 Full Service B&M $26,745
    Community Trust Bank, Inc. 346 North Mayo Trail Pikeville, KY 41501 Full Service B&M $382,759
    Community Trust Bank, Inc. 36 Brookhaven Drive Flemingsburg, KY 41041 Full Service B&M $88,451
    Community Trust Bank, Inc. 38 Shiloh Drive London, KY 40741 Full Service B&M $10,761
    Community Trust Bank, Inc. 3809 South Highway 27 Somerset, KY 42501 Full Service B&M $38,062
    Community Trust Bank, Inc. 38720 State Highway 194 E Phelps, KY 41553 Full Service B&M $37,616
    Community Trust Bank, Inc. 402 Campbellsville Bypass Campbellsville, KY 42718 Full Service B&M $20,626
    Community Trust Bank, Inc. 4205 North Mayo Trail Pikeville, KY 41501 Full Service B&M $48,933
    Community Trust Bank, Inc. 427 Versailles Rd. Frankfort, KY 40601 Full Service B&M $38,938
    Community Trust Bank, Inc. 462 West Main Street Danville, KY 40422 Full Service B&M $46,894
    Community Trust Bank, Inc. 470 Lexington Road Versailles, KY 40383 Full Service B&M $28,171
    Community Trust Bank, Inc. 470 North Mayo Trail Paintsville, KY 41240 Full Service Retail $21,044
    Community Trust Bank, Inc. 507 Main Street Summersville, WV 26651 Full Service B&M $93,295
    Community Trust Bank, Inc. 521 West Main Street Lebanon, KY 40033 Full Service B&M $23,866
    Community Trust Bank, Inc. 525 Walnut Meadow Road Berea, KY 40403 Full Service B&M $34,931
    Community Trust Bank, Inc. 56 Isom Plaza Jeremiah, KY 41826 Full Service B&M $26,999
    Community Trust Bank, Inc. 570 Chestnut Street Harrodsburg, KY 40330 Full Service B&M $45,036
    Community Trust Bank, Inc. 6424 Ky Route 1428 Allen, KY 41601 Full Service B&M $12,827
    Community Trust Bank, Inc. 678 Us Highway 25 West Corbin, KY 40701 Full Service B&M $20,688
    Community Trust Bank, Inc. 7100 Us Route 60 Ashland, KY 41102 Full Service B&M $23,058
    Community Trust Bank, Inc. 721 Wheatley Road Ashland, KY 41101 Full Service B&M $31,204
    Community Trust Bank, Inc. 735 Court Street Fort Gay, WV 25514 Full Service B&M $37,942
    Community Trust Bank, Inc. 752 North Main Street Jamestown, KY 42629 Full Service B&M $8,236
    Community Trust Bank, Inc. 8049 Lynn Avenue Hamlin, WV 25523 Full Service B&M $43,267
    Community Trust Bank, Inc. 860 Eastern Bypass Richmond, KY 40475 Full Service B&M $25,174
    Community Trust Bank, Inc. 895 Hwy 25w South Williamsburg, KY 40769 Full Service B&M $29,570
    Community Trust Bank, Inc. 901 Beaumont Centre Parkway Lexington, KY 40513 Full Service B&M $45,721
    Community Trust Bank, Inc. 9505 Hwy 805 Jenkins, KY 41537 Full Service B&M $13,548
    Community Trust Bank, Inc. 952 Third Avenue Huntington, WV 25701 Full Service B&M $13,456
    Community Trust Bank, Inc. 970 Diederich Blvd Russell, KY 41169 Full Service B&M $14,847

    For 2018, Community Trust Bank had 80 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $171,065
    Net interest income $144,001
    Total noninterest income $40,567
    Gross Fiduciary activities income $22
    Service charges on deposit accounts $23,313
    Trading account gains and fees $0
    Additional Noninterest Income $17,232
    Pre-tax net operating income $69,096
    Securities gains (or losses, -) $-85
    Income before extraordinary items $57,847
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $57,847
    Minority interest net income $0
    Net income $57,847
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $57,918

    Community Trust Bank's gross interest income from loans was $171,065,000.
    Community Trust Bank's net interest income from loans was $144,001,000.
    Community Trust Bank's fee based income from loans was $23,313,000.
    Community Trust Bank's net income from loans was $57,847,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $27,064
    Provision for credit losses $6,167
    Total noninterest expense $109,305
    Salaries and employee benefits $54,890
    Premises and equipment expense $10,720
    Additional noninterest expense $43,695
    Applicable income taxes $11,164
    Net charge-offs $6,410
    Cash dividends $22,750

    Community Trust Bank's interest expense for loans was $27,064,000.
    Community Trust Bank's payroll and benefits expense were $54,890,000.
    Community Trust Bank's property, plant and equipment expenses $10,720,000.

    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 1.0%
    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 $3,320,469
    Deposits held in domestic offices $3,320,469
    Deposits by Individuals, partnerships, and corporations $2,949,148
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $362,963
    Deposits by Commercial banks and other depository institutions in U.S. $8,358
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $874,798
    Demand deposits $844,728
    Nontransaction accounts $2,445,671
    Money market deposit accounts (MMDAs) $887,289
    Other savings deposits (excluding MMDAs) $407,606
    Total time deposits $1,150,776
    Total time and savings deposits $2,475,741
    Noninterest-bearing deposits $810,226
    Interest-bearing deposits $2,510,243
    Retail deposits $3,072,274
    IRAs and Keogh plan accounts $141,151
    Brokered deposits $42,450
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,179,535
    Cash & Balances due from depository institutions $144,270
    Interest-bearing balances $49,285
    Total securities $580,678
    Federal funds sold & reverse repurchase $1,100
    Net loans and leases $3,175,191
    Loan and leases loss allowance $35,908
    Trading account assets $0
    Bank premises and fixed assets $45,003
    Other real estate owned $27,273
    Goodwill and other intangibles $64,124
    All other assets $141,896

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,179,535
    Total Liabilities $3,588,461
    Total deposits $3,320,469
    Interest-bearing deposits $2,510,243
    Deposits held in domestic offices $3,320,469
    % insured (estimated) $81
    Federal funds purchased and repurchase agreements $233,892
    Trading liabilities $0
    Other borrowed funds $436
    Subordinated debt $0
    All other liabilities $33,664

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,175,191
    Loan and leases loss allowance $35,908
    Total loans and leases (domestic) $3,211,099
    All real estate loans $2,102,863
    Real estate loans in domestic offices $2,102,863
    Construction and development loans $137,157
    Residential 1-4 family construction $67,886
    Other construction, all land development and other land $69,271
    Loans secured by nonfarm nonresidential properties $844,953
    Nonfarm nonresidential secured by owner-occupied properties $160,347
    Commercial real estate & other non-farm, non-residential $684,606
    Multifamily residential real estate $99,627
    1-4 family residential loans $963,028
    Farmland loans $58,098
    Loans held in foreign offices $0
    Farm loans $18,062
    Commercial and industrial loans $297,954
    To non-U.S. addressees $0
    Loans to individuals $729,212
    Credit card loans $0
    Related Plans $6,174
    Consumer Auto Loans $526,042
    Other loans to individuals $196,996
    All other loans & leases $63,008
    Loans to foreign governments and official institutions $0
    Other loans $44,439
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $301
    Loans secured by real estate to non-U.S. addressees $131
    Restructured Loans & leases $53,793
    Non 1-4 family restructured loans & leases $31,312
    Total loans and leases (foreign) $0

    Community Trust Bank had $3,175,191,000 of loans outstanding in 2018. $2,102,863,000 of loans were in real estate loans. $137,157,000 of loans were in development loans. $99,627,000 of loans were in multifamily mortgage loans. $963,028,000 of loans were in 1-4 family mortgage loans. $18,062,000 of loans were in farm loans. $0 of loans were in credit card loans. $526,042,000 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 1,224 $234,760 $191,797
    Nonfarm, nonresidential loans - <$100k 350 $13,503 $38,580
    Nonfarm, nonresidential loans - $100-250k 432 $52,282 $121,023
    Nonfarm, nonresidential loans - $250k-1MM 442 $168,975 $382,296
    Commercial & Industrial, US addressed loans - <$1MM 1,995 $124,650 $62,481
    Commercial & Industrial, US addressed loans - <$100k 1,467 $33,653 $22,940
    Commercial & Industrial, US addressed loans - $100-250k 313 $32,591 $104,125
    Commercial & Industrial, US addressed loans - $250k-1MM 215 $58,406 $271,656
    Farmland loans - <$1MM 416 $36,523 $87,796
    Farmland loans - <$100k 227 $9,277 $40,868
    Farmland loans - $100-250k 158 $18,674 $118,190
    Farmland loans - $250k-1MM 31 $8,572 $276,516
    Agriculture operations loans - <$1MM 386 $11,107 $28,775
    Agriculture operations loans - <$100k 355 $7,581 $21,355
    Agriculture operations loans - $100-250k 25 $2,453 $98,120
    Agriculture operations loans - $250k-1MM 6 $1,073 $178,833