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, Knoxville, Richmond, London, and Huntington among others. We have data for 49 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% 4/18/24
    30 Year Conventional Purchase 6.99% 4/18/24
    30 Year Conventional Refi 6.96% 4/18/24
    30 Year Cash-out Refi 6.66% 4/18/24
    15 Year Conventional Purchase 6.54% 4/18/24
    15 Year Conventional Refi 6.37% 4/18/24
    15 Year Cash-out Refi 6.37% 4/18/24
    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

    2,730

    Origination Dollar Volume (All Markets)

    $345,000,000

    Employee count

    947 Show all (12) 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 1,106 $115,250,000 $104,204 $1,859 4.85%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 384 $72,230,000 $188,099 $2,009 4.80%
    KNOXVILLE, TN (FHA|USDA|VA) 129 $31,415,000 $243,527 $2,522 4.73%
    Richmond-Berea, KY (FHA|USDA|VA) 136 $20,410,000 $150,074 $2,149 4.99%
    London, KY (FHA|USDA|VA) 223 $19,695,000 $88,318 $1,878 5.02%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 165 $17,555,000 $106,394 $1,985 4.98%
    Campbellsville, KY (FHA|USDA|VA) 152 $11,390,000 $74,934 $2,004 5.35%
    LOUISVILLE, KY (FHA|USDA|VA) 28 $9,860,000 $352,143 $2,330 5.07%
    Frankfort, KY (FHA|USDA|VA) 65 $9,305,000 $143,154 $1,835 5.09%
    Mount Sterling, KY (FHA|USDA|VA) 80 $6,330,000 $79,125 $1,522 5.02%
    Danville, KY (FHA|USDA|VA) 54 $6,150,000 $113,889 $1,730 4.66%
    Somerset, KY (FHA|USDA|VA) 68 $5,910,000 $86,912 $1,604 5.03%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 17 $2,615,000 $153,824 $2,436 4.69%
    MORRISTOWN, TN (FHA|USDA|VA) 10 $2,080,000 $208,000 $2,461 4.86%
    Middlesborough, KY (FHA|USDA|VA) 32 $1,980,000 $61,875 $1,409 4.93%
    Sevierville, TN (FHA|USDA|VA) 5 $1,785,000 $357,000 $2,382 4.03%
    CHARLESTON, WV (FHA|USDA|VA) 13 $1,165,000 $89,615 $2,432 4.76%
    Glasgow, KY (FHA|USDA|VA) 5 $955,000 $191,000 $2,065 5.03%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $870,000 $435,000 $4,367 4.25%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 6 $740,000 $123,333 $1,490 4.60%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $620,000 $310,000 $3,695 4.38%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $485,000 $485,000 $0 5.50%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $455,000 $455,000 $3,381 3.38%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 4 $440,000 $110,000 $2,650 5.03%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $410,000 $205,000 $3,110 4.50%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $395,000 $395,000 $2,917 3.88%
    Big Stone Gap, VA (FHA|USDA|VA) 4 $390,000 $97,500 $2,007 4.84%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $385,000 $385,000 $2,644 4.50%
    Maysville, KY (FHA|USDA|VA) 6 $360,000 $60,000 $1,755 5.52%
    Portsmouth, OH (FHA|USDA|VA) 5 $355,000 $71,000 $2,094 5.40%
    Mount Gay-Shamrock, WV (FHA|USDA|VA) 4 $310,000 $77,500 $1,580 3.69%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $275,000 $275,000 $4,516 4.38%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $260,000 $130,000 $1,483 4.56%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $225,000 $225,000 $2,270 3.75%
    Sandusky, OH (FHA|USDA|VA) 1 $215,000 $215,000 $3,233 4.38%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.00%
    COLUMBUS, OH (FHA|USDA|VA) 1 $195,000 $195,000 $3,513 3.50%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,395 4.25%
    COLUMBIA, SC (FHA|USDA|VA) 1 $165,000 $165,000 $3,014 4.13%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $2,003 4.25%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,599 4.25%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $135,000 $135,000 $1,458 4.25%
    RICHMOND, VA (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.25%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.25%
    Athens, TN (FHA|USDA|VA) 1 $125,000 $125,000 $1,608 4.00%
    Cullowhee, NC (FHA|USDA|VA) 1 $105,000 $105,000 $1,257 3.75%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.50%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.50%
    WHEELING, WV-OH (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.50%
    Community Trust Bank's top markets include Lexington, Knoxville, Richmond, London, and Huntington among others.

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

    Huntington Federal Savings Bank
    Similarity Rank: 12
    CONSUMER Credit Union
    Similarity Rank: 24
    The North Side Bank & Trust Company
    Similarity Rank: 55
    Liberty Bank
    Similarity Rank: 64
    The Ohio Valley Bank Company
    Similarity Rank: 126
    CINFED Federal Credit Union
    Similarity Rank: 162
    ENRICHMENT
    Similarity Rank: 176
    DESCO
    Similarity Rank: 242
    Advanz Federal Credit Union
    Similarity Rank: 360
    Peoples Exchange Bank
    Similarity Rank: 400

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,757 $295,885,000 $168,404 $1,957 4.46%
    HELOC 973 $49,115,000 $50,478 n/a 5.70%

    For 2019, Community Trust Bank's most frequently originated type of loan was Conventional, with 1,757 originations. Their 2nd most popular type was HELOC, with 973 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,044 $188,020,000 $180,096 $2,062 4.57%
    Refi 846 $108,010,000 $127,671 $1,811 4.84%
    Home Improvement 381 $17,095,000 $44,869 $1,607 5.66%
    Other 318 $15,570,000 $48,962 $1,627 5.70%
    Cash Out Refi 141 $16,305,000 $115,638 $1,997 3.93%

    For 2019, Community Trust Bank's most frequently cited loan purpose was Home Purchase, with 1,044 originations. The 2nd most popular reason was Refi, with 846 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 1,169 $73,875,000 $63,195 $1,796 5.52%
    30 Year 813 $153,685,000 $189,034 $2,055 4.30%
    15 Year 260 $29,500,000 $113,462 $1,654 4.38%
    30+ year 202 $42,900,000 $212,376 $2,166 4.16%
    Other 124 $17,740,000 $143,065 $1,721 5.03%
    10 Year 67 $5,225,000 $77,985 $1,449 4.61%
    1 Year 56 $7,660,000 $136,786 $0 5.59%
    5 Year 27 $11,905,000 $440,926 $1,292 5.46%
    3 Year 12 $2,510,000 $209,167 $0 5.29%

    For 2019, Community Trust Bank's most frequently cited loan duration was 20 Year, with 1,169 originations. The 2nd most popular length was 30 Year, with 813 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,266 $212,850,000 $168,128
    $1k-2k 116 $16,300,000 $140,517
    $2k-3k 42 $8,200,000 $195,238
    $3k-4k 15 $3,115,000 $207,667
    $4k-5k 6 $1,560,000 $260,000
    $5k+ 2 $1,500,000 $750,000

    Community Trust Bank's average total fees were $2,055, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,266 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 963 $81,325,000 $84,450
    4-5% 772 $117,740,000 $152,513
    3-4% 710 $131,290,000 $184,915
    6-7% 221 $11,145,000 $50,430
    7-8% 46 $1,590,000 $34,565
    2.5-3% 15 $1,765,000 $117,667
    Over 8% 2 $40,000 $20,000
    <2.5% 1 $105,000 $105,000

    During 2019, Community Trust Bank's average interest rate for loans was 4.30%, while their most frequently originated rate bucket for loans was 5-6%, with 963 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,550 $75,710,000 $48,845 $1,563 5.26%
    $100k-200k 736 $103,520,000 $140,652 $1,967 4.51%
    $200k-400k 332 $89,150,000 $268,524 $2,258 4.33%
    $400k-600k 72 $34,970,000 $485,694 $3,246 4.34%
    $600k-1MM 34 $25,850,000 $760,294 $3,108 4.05%
    $1MM+ 6 $15,800,000 $2,633,333 $3,633 4.58%

    2019 saw Community Trust Bank place emphasis on $100,000 or less loans with 1,550 originations, totaling $75,710,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 755 $51,035,000 $67,596 $1,670 4.92%
    $50k-75k 630 $59,260,000 $94,063 $1,829 4.86%
    $75k-100k 421 $46,065,000 $109,418 $1,936 5.00%
    $100k-150k 399 $57,775,000 $144,799 $2,192 4.81%
    $150k-250k 196 $45,910,000 $234,235 $2,622 4.73%
    $250k+ 104 $37,950,000 $364,904 $2,446 4.57%

    Community Trust Bank lent most frequently to those with incomes in the $50k or less range, with 755 originations. The second most popular income band? $50k-75k, with 630 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 664 $72,290,000 $108,870 $1,918 4.78%
    30-36% 471 $54,055,000 $114,766 $2,066 4.86%
    <20% 453 $38,435,000 $84,845 $1,830 4.99%
    50-60% 89 $18,415,000 $206,910 $1,946 4.67%
    36% 82 $11,380,000 $138,780 $1,887 4.61%
    37% 82 $10,650,000 $129,878 $1,844 4.89%
    42% 80 $9,650,000 $120,625 $1,887 4.79%
    >60% 68 $14,900,000 $219,118 $2,175 4.49%
    40% 67 $9,795,000 $146,194 $1,842 4.75%
    38% 66 $11,200,000 $169,697 $2,130 4.65%
    39% 62 $8,060,000 $130,000 $1,838 4.95%
    41% 51 $6,455,000 $126,569 $2,059 4.86%
    43% 34 $5,110,000 $150,294 $1,908 4.60%
    44% 28 $4,840,000 $172,857 $2,189 4.59%
    45% 26 $3,680,000 $141,538 $2,250 4.73%
    46% 24 $3,220,000 $134,167 $1,850 4.75%
    47% 22 $4,110,000 $186,818 $2,152 4.21%
    48% 17 $1,735,000 $102,059 $1,645 4.82%
    49% 15 $2,025,000 $135,000 $2,024 4.45%

    Community Trust Bank lent most frequently to those with DTI ratios of 20-30%, with 664 originations. The next most common DTI ratio? 30-36%, with 471 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,502 $296,790,000 $118,621 $1,960 4.87%
    Not applicable 152 $37,650,000 $247,697 $0 5.50%
    Black 42 $4,580,000 $109,048 $1,657 4.72%
    Not provided 18 $3,240,000 $180,000 $2,072 4.89%
    Asian 14 $2,540,000 $181,429 $2,337 4.77%
    American Indian 1 $145,000 $145,000 $1,420 3.88%
    Native Hawaiian or Islander 1 $55,000 $55,000 $1,790 4.75%

    Approval Rates

    Total approvals of all applications
    86.09%

    Community Trust Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.07%

    Community Trust Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    160.0 1 $65,000 $65,000
    NA 2,729 $344,935,000 $126,396

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $210,000 $105,000
    Multifamily:Site-Built 19 $18,615,000 $979,737
    Single Family (1-4 Units):Manufactured 355 $24,315,000 $68,493
    Single Family (1-4 Units):Site-Built 2,354 $301,860,000 $128,233

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 441 $25,655,000 $58,175 $1,487 5.40%
    40-60% 348 $33,960,000 $97,586 $1,683 4.78%
    60-80% 772 $130,930,000 $169,598 $2,077 4.57%
    80-100% 766 $141,740,000 $185,039 $2,013 4.56%
    Over 100% 7 $1,285,000 $183,571 $1,723 5.11%
    Under 20% 396 $11,430,000 $28,864 $1,215 5.77%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Closing on a mortgage 1 20.0%
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Trouble during payment process 3 60.0%
    COMMUNITY BANK SYSTEM, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 1 20.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Community Trust Bank, Inc. 1001 Highway 317 Neon, KY 41840 Full Service B&M $18,328
    Community Trust Bank, Inc. 100 Citizens Lane Hazard, KY 41701 Full Service B&M $91,991
    Community Trust Bank, Inc. 100 East Vine Street Lexington, KY 40507 Full Service B&M $43,424
    Community Trust Bank, Inc. 1005 Jamestown Street Columbia, KY 42728 Full Service B&M $20,344
    Community Trust Bank, Inc. 101 East 2nd Avenue Williamson, WV 25661 Full Service B&M $54,069
    Community Trust Bank, Inc. 101 North Main Street Versailles, KY 40383 Full Service B&M $57,291
    Community Trust Bank, Inc. 101 Village Lane Hazard, KY 41701 Full Service B&M $31,189
    Community Trust Bank, Inc. 105 Northgate Drive Pikeville, KY 41501 Full Service B&M $21,233
    Community Trust Bank, Inc. 1056 Highway 610 W Virgie, KY 41572 Full Service B&M $59,665
    Community Trust Bank, Inc. 10579 Regina Belcher Hwy Elkhorn City, KY 41522 Full Service B&M $28,871
    Community Trust Bank, Inc. 106 South Tennessee Avenue La Follette, TN 37766 Full Service B&M $92,867
    Community Trust Bank, Inc. 107 West Main Street E Hindman, KY 41822 Full Service B&M $31,807
    Community Trust Bank, Inc. 108 Clark Street Flemingsburg, KY 41041 Full Service B&M $9,504
    Community Trust Bank, Inc. 109 Louie Place Lexington, KY 40511 Full Service B&M $23,851
    Community Trust Bank, Inc. 110 N Maysville Street Mount Sterling, KY 40353 Full Service B&M $51,519
    Community Trust Bank, Inc. 112 Osborne Way Georgetown, KY 40324 Full Service Retail $16,363
    Community Trust Bank, Inc. 11792 Us Highway 25 East Pineville, KY 40977 Full Service B&M $26,382
    Community Trust Bank, Inc. 120 East Main Street Mount Vernon, KY 40456 Full Service B&M $48,644
    Community Trust Bank, Inc. 120 South Main Street Winchester, KY 40391 Full Service B&M $69,939
    Community Trust Bank, Inc. 1205 South Highway 127 Frankfort, KY 40601 Full Service B&M $42,023
    Community Trust Bank, Inc. 1206 E Cumberland Avenue Middlesboro, KY 40965 Full Service B&M $24,594
    Community Trust Bank, Inc. 1218 East Broadway Campbellsville, KY 42718 Full Service B&M $49,435
    Community Trust Bank, Inc. 125 Winchester Plaza Winchester, KY 40391 Full Service B&M $33,216
    Community Trust Bank, Inc. 128 W Main Street Richmond, KY 40475 Full Service B&M $72,061
    Community Trust Bank, Inc. 137 Main St, Suite 4 Pikeville, KY 41501 Full Service B&M $95,930
    Community Trust Bank, Inc. 1527 Ewing Road Ewing, KY 41039 Full Service B&M $10,692
    Community Trust Bank, Inc. 1544 Winchester Avenue Ashland, KY 41101 Full Service B&M $75,931
    Community Trust Bank, Inc. 155 Main Street Whitesburg, KY 41858 Full Service B&M $84,434
    Community Trust Bank, Inc. 1560 Hustonville Road Danville, KY 40422 Full Service B&M $9,179
    Community Trust Bank, Inc. 161 South Lake Drive Prestonsburg, KY 41653 Full Service B&M $123,641
    Community Trust Bank, Inc. 1665 Combs Road Hazard, KY 41701 Full Service B&M $7,784
    Community Trust Bank, Inc. 1706 West Hwy 192 London, KY 40741 Full Service B&M $49,170
    Community Trust Bank, Inc. 185 Pasadena Drive Lexington, KY 40503 Full Service B&M $15,838
    Community Trust Bank, Inc. 1918 Cumberland Avenue Middlesboro, KY 40965 Full Service B&M $43,788
    Community Trust Bank, Inc. 196 Evans Drive Mount Sterling, KY 40353 Full Service B&M $40,479
    Community Trust Bank, Inc. 201 North Third Street Williamsburg, KY 40769 Full Service B&M $74,360
    Community Trust Bank, Inc. 205 South Main Street Greensburg, KY 42743 Full Service B&M $23,453
    Community Trust Bank, Inc. 2101 29th Street Ashland, KY 41101 Full Service B&M $28,658
    Community Trust Bank, Inc. 2106 Charles G Seivers Blvd Clinton, TN 37716 Full Service B&M $36,402
    Community Trust Bank, Inc. 211 Russell Street Elkhorn City, KY 41522 Full Service B&M $32,740
    Community Trust Bank, Inc. 2134 Lake Cumberland Rd Mount Vernon, KY 40456 Full Service B&M $38,207
    Community Trust Bank, Inc. 239 North Highway 27 Somerset, KY 42503 Full Service B&M $25,219
    Community Trust Bank, Inc. 24 Parkway Plaza Loop Whitesburg, KY 41858 Full Service B&M $14,955
    Community Trust Bank, Inc. 2417 Sir Barton Way Lexington, KY 40509 Full Service B&M $98,576
    Community Trust Bank, Inc. 254 Cassidy Blvd Pikeville, KY 41501 Full Service Retail $10,372
    Community Trust Bank, Inc. 2603 Jacksboro Pike Jacksboro, TN 37757 Full Service B&M $40,987
    Community Trust Bank, Inc. 28160 Us Highway 119 South Williamson, KY 41503 Full Service B&M $63,062
    Community Trust Bank, Inc. 3090 Richmond Road Lexington, KY 40509 Full Service B&M $23,591
    Community Trust Bank, Inc. 315 Midway Road Alum Creek, WV 25003 Full Service B&M $16,298
    Community Trust Bank, Inc. 32 North Levisa Road Mouthcard, KY 41548 Full Service B&M $26,137
    Community Trust Bank, Inc. 346 North Mayo Trail Pikeville, KY 41501 Full Service B&M $351,272
    Community Trust Bank, Inc. 36 Brookhaven Drive Flemingsburg, KY 41041 Full Service B&M $92,187
    Community Trust Bank, Inc. 38 Shiloh Drive London, KY 40741 Full Service B&M $13,655
    Community Trust Bank, Inc. 3809 South Highway 27 Somerset, KY 42501 Full Service B&M $38,870
    Community Trust Bank, Inc. 38720 State Highway 194 E Phelps, KY 41553 Full Service B&M $38,994
    Community Trust Bank, Inc. 402 Campbellsville Bypass Campbellsville, KY 42718 Full Service B&M $23,057
    Community Trust Bank, Inc. 4205 North Mayo Trail Pikeville, KY 41501 Full Service B&M $50,991
    Community Trust Bank, Inc. 427 Versailles Rd. Frankfort, KY 40601 Full Service B&M $46,792
    Community Trust Bank, Inc. 462 West Main Street Danville, KY 40422 Full Service B&M $50,435
    Community Trust Bank, Inc. 470 Lexington Road Versailles, KY 40383 Full Service B&M $29,498
    Community Trust Bank, Inc. 470 North Mayo Trail Paintsville, KY 41240 Full Service Retail $21,402
    Community Trust Bank, Inc. 507 Main Street Summersville, WV 26651 Full Service B&M $93,304
    Community Trust Bank, Inc. 521 West Main Street Lebanon, KY 40033 Full Service B&M $24,760
    Community Trust Bank, Inc. 525 Walnut Meadow Road Berea, KY 40403 Full Service B&M $37,046
    Community Trust Bank, Inc. 56 Isom Plaza Jeremiah, KY 41826 Full Service B&M $30,461
    Community Trust Bank, Inc. 570 Chestnut Street Harrodsburg, KY 40330 Full Service B&M $46,267
    Community Trust Bank, Inc. 6424 Ky Route 1428 Allen, KY 41601 Full Service B&M $14,073
    Community Trust Bank, Inc. 678 Us Highway 25 West Corbin, KY 40701 Full Service B&M $23,009
    Community Trust Bank, Inc. 7100 Us Route 60 Ashland, KY 41102 Full Service B&M $27,538
    Community Trust Bank, Inc. 721 Wheatley Road Ashland, KY 41101 Full Service B&M $29,758
    Community Trust Bank, Inc. 735 Court Street Fort Gay, WV 25514 Full Service B&M $39,928
    Community Trust Bank, Inc. 752 North Main Street Jamestown, KY 42629 Full Service B&M $9,291
    Community Trust Bank, Inc. 8049 Lynn Avenue Hamlin, WV 25523 Full Service B&M $42,302
    Community Trust Bank, Inc. 860 Eastern Bypass Richmond, KY 40475 Full Service B&M $25,780
    Community Trust Bank, Inc. 895 Hwy 25w South Williamsburg, KY 40769 Full Service B&M $32,498
    Community Trust Bank, Inc. 901 Beaumont Centre Parkway Lexington, KY 40513 Full Service B&M $49,202
    Community Trust Bank, Inc. 9505 Hwy 805 Jenkins, KY 41537 Full Service B&M $15,234
    Community Trust Bank, Inc. 952 Third Avenue Huntington, WV 25701 Full Service B&M $13,438
    Community Trust Bank, Inc. 970 Diederich Blvd Russell, KY 41169 Full Service B&M $14,035

    For 2019, Community Trust Bank had 79 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $185,004
    Net interest income $146,891
    Total noninterest income $38,430
    Gross Fiduciary activities income $23
    Service charges on deposit accounts $23,605
    Trading account gains and fees $0
    Additional Noninterest Income $14,802
    Pre-tax net operating income $71,299
    Securities gains (or losses, -) $778
    Income before extraordinary items $60,723
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $60,723
    Minority interest net income $0
    Net income $60,723
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $60,069

    Community Trust Bank's gross interest income from loans was $185,004,000.
    Community Trust Bank's net interest income from loans was $146,891,000.
    Community Trust Bank's fee based income from loans was $23,605,000.
    Community Trust Bank's net income from loans was $60,723,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $38,113
    Provision for credit losses $4,819
    Total noninterest expense $109,203
    Salaries and employee benefits $56,038
    Premises and equipment expense $10,535
    Additional noninterest expense $42,630
    Applicable income taxes $11,354
    Net charge-offs $5,631
    Cash dividends $27,000

    Community Trust Bank's interest expense for loans was $38,113,000.
    Community Trust Bank's payroll and benefits expense were $56,038,000.
    Community Trust Bank's property, plant and equipment expenses $10,535,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 4.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 1.0%
    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 $3,423,239
    Deposits held in domestic offices $3,423,239
    Deposits by Individuals, partnerships, and corporations $3,046,880
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $367,703
    Deposits by Commercial banks and other depository institutions in U.S. $8,656
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $934,605
    Demand deposits $907,400
    Nontransaction accounts $2,488,634
    Money market deposit accounts (MMDAs) $985,322
    Other savings deposits (excluding MMDAs) $404,152
    Total time deposits $1,099,160
    Total time and savings deposits $2,515,839
    Noninterest-bearing deposits $873,681
    Interest-bearing deposits $2,549,558
    Retail deposits $3,170,651
    IRAs and Keogh plan accounts $140,650
    Brokered deposits $37,139
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,344,716
    Cash & Balances due from depository institutions $264,926
    Interest-bearing balances $182,602
    Total securities $588,088
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,214,735
    Loan and leases loss allowance $35,096
    Trading account assets $0
    Bank premises and fixed assets $57,765
    Other real estate owned $19,480
    Goodwill and other intangibles $63,780
    All other assets $135,942

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,344,716
    Total Liabilities $3,709,767
    Total deposits $3,423,239
    Interest-bearing deposits $2,549,558
    Deposits held in domestic offices $3,423,239
    % insured (estimated) $79
    Federal funds purchased and repurchase agreements $234,823
    Trading liabilities $0
    Other borrowed funds $14,963
    Subordinated debt $0
    All other liabilities $36,742

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,214,735
    Loan and leases loss allowance $35,096
    Total loans and leases (domestic) $3,249,831
    All real estate loans $2,125,800
    Real estate loans in domestic offices $2,125,800
    Construction and development loans $162,515
    Residential 1-4 family construction $72,436
    Other construction, all land development and other land $90,079
    Loans secured by nonfarm nonresidential properties $844,315
    Nonfarm nonresidential secured by owner-occupied properties $144,179
    Commercial real estate & other non-farm, non-residential $700,136
    Multifamily residential real estate $101,206
    1-4 family residential loans $956,354
    Farmland loans $61,410
    Loans held in foreign offices $0
    Farm loans $18,502
    Commercial and industrial loans $321,728
    To non-U.S. addressees $0
    Loans to individuals $733,804
    Credit card loans $0
    Related Plans $4,400
    Consumer Auto Loans $514,094
    Other loans to individuals $215,310
    All other loans & leases $49,997
    Loans to foreign governments and official institutions $0
    Other loans $35,719
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $792
    Loans secured by real estate to non-U.S. addressees $119
    Restructured Loans & leases $57,288
    Non 1-4 family restructured loans & leases $32,683
    Total loans and leases (foreign) $0

    Community Trust Bank had $3,214,735,000 of loans outstanding in 2019. $2,125,800,000 of loans were in real estate loans. $162,515,000 of loans were in development loans. $101,206,000 of loans were in multifamily mortgage loans. $956,354,000 of loans were in 1-4 family mortgage loans. $18,502,000 of loans were in farm loans. $0 of loans were in credit card loans. $514,094,000 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 1,218 $241,976 $198,667
    Nonfarm, nonresidential loans - <$100k 328 $13,070 $39,848
    Nonfarm, nonresidential loans - $100-250k 424 $50,973 $120,219
    Nonfarm, nonresidential loans - $250k-1MM 466 $177,933 $381,830
    Commercial & Industrial, US addressed loans - <$1MM 1,847 $119,388 $64,639
    Commercial & Industrial, US addressed loans - <$100k 1,321 $30,399 $23,012
    Commercial & Industrial, US addressed loans - $100-250k 308 $31,368 $101,844
    Commercial & Industrial, US addressed loans - $250k-1MM 218 $57,621 $264,317
    Farmland loans - <$1MM 424 $37,312 $88,000
    Farmland loans - <$100k 221 $9,356 $42,335
    Farmland loans - $100-250k 174 $20,889 $120,052
    Farmland loans - $250k-1MM 29 $7,067 $243,690
    Agriculture operations loans - <$1MM 361 $9,858 $27,307
    Agriculture operations loans - <$100k 330 $6,289 $19,058
    Agriculture operations loans - $100-250k 26 $2,578 $99,154
    Agriculture operations loans - $250k-1MM 5 $991 $198,200