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 Refi and Home Purchase loans. Community Trust Bank has a high proportion of conventional loans. Their top markets by origination volume include: Lexington, Knoxville, London, Huntington, and Richmond among others. We have data for 67 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% 4/14/24
    30 Year Conventional Purchase 6.99% 4/14/24
    30 Year Conventional Refi 6.96% 4/14/24
    30 Year Cash-out Refi 6.66% 4/14/24
    15 Year Conventional Purchase 6.54% 4/14/24
    15 Year Conventional Refi 6.37% 4/14/24
    15 Year Cash-out Refi 6.37% 4/14/24
    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

    4,225

    Origination Dollar Volume (All Markets)

    $698,635,000

    Employee count

    946 Show all (23) 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 1,732 $246,130,000 $142,107 $2,134 3.21%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 686 $153,430,000 $223,659 $2,248 3.14%
    KNOXVILLE, TN (FHA|USDA|VA) 227 $52,705,000 $232,181 $2,368 3.13%
    London, KY (FHA|USDA|VA) 304 $39,230,000 $129,046 $2,147 3.24%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 246 $35,900,000 $145,935 $2,177 3.19%
    Richmond-Berea, KY (FHA|USDA|VA) 157 $24,525,000 $156,210 $2,133 3.25%
    Frankfort, KY (FHA|USDA|VA) 117 $19,995,000 $170,897 $2,210 3.32%
    Campbellsville, KY (FHA|USDA|VA) 192 $19,980,000 $104,063 $2,150 3.40%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 39 $14,375,000 $368,590 $2,357 3.55%
    LOUISVILLE, KY (FHA|USDA|VA) 46 $12,630,000 $274,565 $2,456 3.13%
    Mount Sterling, KY (FHA|USDA|VA) 103 $12,175,000 $118,204 $2,137 3.57%
    MORRISTOWN, TN (FHA|USDA|VA) 39 $11,775,000 $301,923 $2,527 3.33%
    Somerset, KY (FHA|USDA|VA) 72 $9,110,000 $126,528 $2,067 3.48%
    Danville, KY (FHA|USDA|VA) 57 $9,085,000 $159,386 $2,173 3.30%
    Middlesborough, KY (FHA|USDA|VA) 54 $5,470,000 $101,296 $2,138 3.09%
    CHARLESTON, WV (FHA|USDA|VA) 23 $2,505,000 $108,913 $2,662 2.96%
    Maysville, KY (FHA|USDA|VA) 14 $1,930,000 $137,857 $2,186 3.37%
    Sevierville, TN (FHA|USDA|VA) 7 $1,875,000 $267,857 $2,213 2.89%
    Bardstown, KY (FHA|USDA|VA) 10 $1,620,000 $162,000 $2,604 3.18%
    Portsmouth, OH (FHA|USDA|VA) 7 $1,285,000 $183,571 $2,461 3.89%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 4 $1,200,000 $300,000 $2,118 3.47%
    BOWLING GREEN, KY (FHA|USDA|VA) 6 $1,150,000 $191,667 $1,966 3.44%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $1,105,000 $368,333 $2,632 2.67%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $1,080,000 $540,000 $3,954 3.38%
    Mount Gay-Shamrock, WV (FHA|USDA|VA) 6 $1,060,000 $176,667 $2,023 2.96%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $1,045,000 $348,333 $3,205 2.83%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $1,005,000 $335,000 $3,710 3.04%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $930,000 $465,000 $4,615 2.63%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $855,000 $855,000 $7,376 3.13%
    Urbana, OH (FHA|USDA|VA) 1 $825,000 $825,000 $0 4.00%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 5 $805,000 $161,000 $2,484 2.83%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $800,000 $400,000 $3,859 2.50%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $735,000 $245,000 $5,115 3.50%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $730,000 $365,000 $3,063 2.75%
    Glasgow, KY (FHA|USDA|VA) 4 $620,000 $155,000 $2,293 3.63%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $605,000 $201,667 $3,041 2.83%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $570,000 $285,000 $2,845 3.00%
    PANAMA CITY, FL (FHA|USDA|VA) 3 $485,000 $161,667 $3,048 4.25%
    Big Stone Gap, VA (FHA|USDA|VA) 5 $465,000 $93,000 $1,866 3.60%
    Wilmington, OH (FHA|USDA|VA) 2 $460,000 $230,000 $1,740 3.13%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $430,000 $215,000 $1,896 2.94%
    Clarksburg, WV (FHA|USDA|VA) 3 $415,000 $138,333 $2,433 3.79%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $415,000 $415,000 $4,225 2.88%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $395,000 $395,000 $3,023 3.63%
    ROANOKE, VA (FHA|USDA|VA) 1 $375,000 $375,000 $3,189 2.88%
    Georgetown, SC (FHA|USDA|VA) 1 $365,000 $365,000 $3,672 3.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $365,000 $365,000 $5,094 2.50%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $300,000 $150,000 $1,964 2.50%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $285,000 $285,000 $2,295 2.13%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $285,000 $285,000 $5,214 2.38%
    Cullowhee, NC (FHA|USDA|VA) 1 $275,000 $275,000 $2,047 3.63%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $245,000 $245,000 $3,307 2.88%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $245,000 $245,000 $2,577 3.25%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $205,000 $205,000 $2,892 2.50%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,335 2.13%
    COLUMBUS, OH (FHA|USDA|VA) 1 $205,000 $205,000 $2,335 2.00%
    COLUMBIA, SC (FHA|USDA|VA) 1 $195,000 $195,000 $2,584 2.50%
    Athens, TN (FHA|USDA|VA) 1 $175,000 $175,000 $2,103 2.75%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,948 3.00%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,196 3.50%
    Bluefield, WV-VA (FHA|USDA|VA) 1 $125,000 $125,000 $2,332 2.63%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $125,000 $125,000 $1,816 2.63%
    Zanesville, OH (FHA|USDA|VA) 1 $115,000 $115,000 $1,787 2.88%
    Crossville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $2,155 2.25%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $95,000 $95,000 $2,101 2.63%
    SAVANNAH, GA (FHA|USDA|VA) 1 $65,000 $65,000 $2,915 2.25%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $65,000 $65,000 $1,691 5.00%
    Community Trust Bank's top markets include Lexington, Knoxville, London, Huntington, and Richmond 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.

    Liberty Bank
    Similarity Rank: 68
    CONSUMER Credit Union
    Similarity Rank: 275
    The North Side Bank & Trust Company
    Similarity Rank: 350
    The Ohio Valley Bank Company
    Similarity Rank: 420
    DESCO
    Similarity Rank: 525
    Peoples Exchange Bank
    Similarity Rank: 552
    HomeTrust Bank
    Similarity Rank: 565
    CINFED Federal Credit Union
    Similarity Rank: 651
    Home Federal Bank of Tennessee
    Similarity Rank: 688
    First State Bank
    Similarity Rank: 770

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,424 $651,340,000 $190,228 $2,202 3.06%
    HELOC 801 $47,295,000 $59,045 n/a 3.94%

    For 2020, Community Trust Bank's most frequently originated type of loan was Conventional, with 3,424 originations. Their 2nd most popular type was HELOC, with 801 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,773 $311,605,000 $175,750 $2,093 3.01%
    Home Purchase 1,248 $252,220,000 $202,099 $2,255 3.47%
    Cash Out Refi 576 $96,640,000 $167,778 $2,415 2.63%
    Home Improvement 325 $19,515,000 $60,046 $2,104 3.90%
    Other 303 $18,655,000 $61,568 $1,822 3.89%

    For 2020, Community Trust Bank's most frequently cited loan purpose was Refi, with 1,773 originations. The 2nd most popular reason was Home Purchase, with 1,248 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,484 $315,890,000 $212,864 $2,291 3.08%
    20 Year 1,272 $123,650,000 $97,209 $2,075 3.68%
    15 Year 776 $124,890,000 $160,941 $2,086 2.58%
    30+ year 237 $56,295,000 $237,532 $2,414 3.48%
    Other 225 $36,345,000 $161,533 $2,196 3.37%
    10 Year 166 $26,320,000 $158,554 $1,868 2.91%
    1 Year 40 $5,960,000 $149,000 $0 4.57%
    5 Year 23 $9,275,000 $403,261 $1,200 4.18%
    3 Year 2 $10,000 $5,000 $0 6.00%

    For 2020, Community Trust Bank's most frequently cited loan duration was 30 Year, with 1,484 originations. The 2nd most popular length was 20 Year, with 1,272 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,498 $475,100,000 $190,192
    $1k-2k 460 $78,050,000 $169,674
    $2k-3k 110 $25,330,000 $230,273
    $3k-4k 40 $9,790,000 $244,750
    $4k-5k 10 $3,630,000 $363,000
    $5k+ 5 $1,715,000 $343,000

    Community Trust Bank's average total fees were $2,291, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,498 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,500 $249,190,000 $166,127
    <2.5% 1,228 $208,380,000 $169,691
    2.5-3% 811 $173,345,000 $213,742
    4-5% 557 $58,795,000 $105,557
    5-6% 105 $8,015,000 $76,333
    6-7% 22 $840,000 $38,182
    Over 8% 2 $70,000 $35,000

    During 2020, Community Trust Bank's average interest rate for loans was 3.08%, while their most frequently originated rate bucket for loans was 3-4%, with 1,500 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,569 $224,795,000 $143,273 $2,139 3.01%
    $100,000 or less 1,534 $83,090,000 $54,166 $1,769 3.58%
    $200k-400k 859 $233,285,000 $271,577 $2,458 2.98%
    $400k-600k 193 $92,195,000 $477,694 $2,949 3.13%
    $600k-1MM 54 $40,060,000 $741,852 $3,294 3.48%
    $1MM+ 16 $25,210,000 $1,575,625 $4,573 3.52%

    2020 saw Community Trust Bank place emphasis on $100k-200k loans with 1,569 originations, totaling $224,795,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 936 $110,350,000 $117,895 $2,059 3.18%
    $50k or less 886 $76,800,000 $86,682 $1,921 3.35%
    $100k-150k 777 $141,915,000 $182,645 $2,287 3.09%
    $75k-100k 698 $105,750,000 $151,504 $2,194 3.13%
    $150k-250k 407 $103,375,000 $253,993 $2,594 3.12%
    $250k+ 240 $100,260,000 $417,750 $2,770 3.02%

    Community Trust Bank lent most frequently to those with incomes in the $50k-75k range, with 936 originations. The second most popular income band? $50k or less, with 886 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,203 $187,305,000 $155,698 $2,166 3.05%
    30-36% 747 $120,575,000 $161,412 $2,237 3.16%
    <20% 679 $101,385,000 $149,315 $2,167 3.05%
    38% 120 $21,280,000 $177,333 $2,236 3.28%
    36% 118 $20,990,000 $177,881 $2,214 3.12%
    40% 116 $19,690,000 $169,741 $2,324 3.26%
    37% 108 $18,730,000 $173,426 $2,163 3.08%
    41% 107 $16,925,000 $158,178 $2,091 3.23%
    50-60% 95 $19,595,000 $206,263 $2,134 3.66%
    42% 88 $13,540,000 $153,864 $2,160 3.23%
    >60% 87 $21,195,000 $243,621 $2,346 3.66%
    39% 85 $13,985,000 $164,529 $2,192 3.06%
    43% 79 $14,015,000 $177,405 $2,280 3.04%
    44% 67 $10,375,000 $154,851 $2,189 3.07%
    45% 57 $9,315,000 $163,421 $2,427 3.20%
    46% 53 $10,395,000 $196,132 $2,225 2.95%
    48% 44 $7,910,000 $179,773 $2,197 2.94%
    47% 35 $6,475,000 $185,000 $2,212 2.95%
    49% 26 $5,370,000 $206,538 $2,564 2.98%

    Community Trust Bank lent most frequently to those with DTI ratios of 20-30%, with 1,203 originations. The next most common DTI ratio? 30-36%, with 747 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,948 $629,730,000 $159,506 $2,196 3.18%
    Not applicable 156 $41,880,000 $268,462 $0 4.37%
    Not provided 45 $11,345,000 $252,111 $2,510 3.23%
    Asian 39 $9,055,000 $232,179 $2,477 3.01%
    Black 32 $5,130,000 $160,313 $2,186 3.53%
    Other Asian 2 $770,000 $385,000 $1,092 3.31%
    1 $495,000 $495,000 $4,309 2.00%
    American Indian 2 $230,000 $115,000 $1,832 3.06%

    Approval Rates

    Total approvals of all applications
    88.32%

    Community Trust Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.34%

    Community Trust Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,225 $698,635,000 $165,357

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 7 $925,000 $132,143
    Multifamily:Site-Built 44 $27,150,000 $617,045
    Single Family (1-4 Units):Manufactured 377 $29,005,000 $76,936
    Single Family (1-4 Units):Site-Built 3,797 $641,555,000 $168,964

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 484 $40,860,000 $84,421 $1,873 3.38%
    40-60% 701 $107,225,000 $152,960 $2,034 2.93%
    60-80% 1,550 $301,700,000 $194,645 $2,301 2.99%
    80-100% 1,083 $230,545,000 $212,876 $2,246 3.38%
    Over 100% 12 $4,530,000 $377,500 $2,342 3.99%
    Under 20% 390 $13,440,000 $34,462 $1,515 4.00%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Struggling to pay mortgage 1 33.3%
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Trouble during payment process 1 33.3%
    COMMUNITY BANK SYSTEM, INC. Other type of mortgage Closing on a mortgage 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Community Trust Bank, Inc. 1665 Combs Road Hazard, KY 41701 Full Service B&M $9,095
    Community Trust Bank, Inc. 100 Citizens Lane Hazard, KY 41701 Full Service B&M $112,385
    Community Trust Bank, Inc. 100 East Vine Street Lexington, KY 40507 Full Service B&M $44,040
    Community Trust Bank, Inc. 1001 Highway 317 Neon, KY 41840 Full Service B&M $22,123
    Community Trust Bank, Inc. 1005 Jamestown Street Columbia, KY 42728 Full Service B&M $22,796
    Community Trust Bank, Inc. 101 East 2nd Avenue Williamson, WV 25661 Full Service B&M $55,335
    Community Trust Bank, Inc. 101 North Main Street Versailles, KY 40383 Full Service B&M $58,089
    Community Trust Bank, Inc. 101 Village Lane Hazard, KY 41701 Full Service B&M $37,160
    Community Trust Bank, Inc. 105 Northgate Drive Pikeville, KY 41501 Full Service B&M $25,927
    Community Trust Bank, Inc. 1056 Highway 610 W Virgie, KY 41572 Full Service B&M $63,417
    Community Trust Bank, Inc. 10579 Regina Belcher Hwy Elkhorn City, KY 41522 Full Service B&M $31,852
    Community Trust Bank, Inc. 106 South Tennessee Avenue La Follette, TN 37766 Full Service B&M $96,662
    Community Trust Bank, Inc. 107 West Main Street E Hindman, KY 41822 Full Service B&M $43,802
    Community Trust Bank, Inc. 108 Clark Street Flemingsburg, KY 41041 Full Service B&M $12,298
    Community Trust Bank, Inc. 109 Louie Place Lexington, KY 40511 Full Service B&M $18,364
    Community Trust Bank, Inc. 110 N Maysville Street Mount Sterling, KY 40353 Full Service B&M $56,509
    Community Trust Bank, Inc. 112 Osborne Way Georgetown, KY 40324 Full Service Retail $17,148
    Community Trust Bank, Inc. 11792 Us Highway 25 East Pineville, KY 40977 Full Service B&M $27,891
    Community Trust Bank, Inc. 120 East Main Street Mount Vernon, KY 40456 Full Service B&M $56,531
    Community Trust Bank, Inc. 120 South Main Street Winchester, KY 40391 Full Service B&M $74,944
    Community Trust Bank, Inc. 1205 South Highway 127 Frankfort, KY 40601 Full Service B&M $21,020
    Community Trust Bank, Inc. 1206 E Cumberland Avenue Middlesboro, KY 40965 Full Service B&M $28,347
    Community Trust Bank, Inc. 1218 East Broadway Campbellsville, KY 42718 Full Service B&M $48,203
    Community Trust Bank, Inc. 125 Winchester Plaza Winchester, KY 40391 Full Service B&M $34,838
    Community Trust Bank, Inc. 128 W Main Street Richmond, KY 40475 Full Service B&M $77,161
    Community Trust Bank, Inc. 137 Main St, Suite 4 Pikeville, KY 41501 Full Service B&M $100,289
    Community Trust Bank, Inc. 1527 Ewing Road Ewing, KY 41039 Full Service B&M $11,292
    Community Trust Bank, Inc. 1544 Winchester Avenue Ashland, KY 41101 Full Service B&M $88,996
    Community Trust Bank, Inc. 155 Main Street Whitesburg, KY 41858 Full Service B&M $97,034
    Community Trust Bank, Inc. 1560 Hustonville Road Danville, KY 40422 Full Service B&M $10,724
    Community Trust Bank, Inc. 161 South Lake Drive Prestonsburg, KY 41653 Full Service B&M $138,863
    Community Trust Bank, Inc. 1706 West Hwy 192 London, KY 40741 Full Service B&M $53,618
    Community Trust Bank, Inc. 185 Pasadena Drive Lexington, KY 40503 Full Service B&M $17,306
    Community Trust Bank, Inc. 1918 Cumberland Avenue Middlesboro, KY 40965 Full Service B&M $41,664
    Community Trust Bank, Inc. 196 Evans Drive Mount Sterling, KY 40353 Full Service B&M $43,810
    Community Trust Bank, Inc. 201 North Third Street Williamsburg, KY 40769 Full Service B&M $78,441
    Community Trust Bank, Inc. 205 South Main Street Greensburg, KY 42743 Full Service B&M $27,742
    Community Trust Bank, Inc. 2101 29th Street Ashland, KY 41101 Full Service B&M $30,377
    Community Trust Bank, Inc. 2106 Charles G Seivers Blvd Clinton, TN 37716 Full Service B&M $32,420
    Community Trust Bank, Inc. 211 Russell Street Elkhorn City, KY 41522 Full Service B&M $36,867
    Community Trust Bank, Inc. 2134 Lake Cumberland Rd Mount Vernon, KY 40456 Full Service B&M $42,407
    Community Trust Bank, Inc. 239 North Highway 27 Somerset, KY 42503 Full Service B&M $29,960
    Community Trust Bank, Inc. 24 Parkway Plaza Loop Whitesburg, KY 41858 Full Service B&M $17,882
    Community Trust Bank, Inc. 2417 Sir Barton Way Lexington, KY 40509 Full Service B&M $225,562
    Community Trust Bank, Inc. 254 Cassidy Blvd Pikeville, KY 41501 Full Service Retail $12,839
    Community Trust Bank, Inc. 2603 Jacksboro Pike Jacksboro, TN 37757 Full Service B&M $42,724
    Community Trust Bank, Inc. 28160 Us Highway 119 South Williamson, KY 41503 Full Service B&M $72,044
    Community Trust Bank, Inc. 3090 Richmond Road Lexington, KY 40509 Full Service B&M $29,859
    Community Trust Bank, Inc. 315 Midway Road Alum Creek, WV 25003 Full Service B&M $18,239
    Community Trust Bank, Inc. 32 North Levisa Road Mouthcard, KY 41548 Full Service B&M $27,730
    Community Trust Bank, Inc. 346 North Mayo Trail Pikeville, KY 41501 Full Service B&M $485,401
    Community Trust Bank, Inc. 36 Brookhaven Drive Flemingsburg, KY 41041 Full Service B&M $101,589
    Community Trust Bank, Inc. 38 Shiloh Drive London, KY 40741 Full Service B&M $18,323
    Community Trust Bank, Inc. 3809 South Highway 27 Somerset, KY 42501 Full Service B&M $41,829
    Community Trust Bank, Inc. 38720 State Highway 194 E Phelps, KY 41553 Full Service B&M $41,167
    Community Trust Bank, Inc. 402 Campbellsville Bypass Campbellsville, KY 42718 Full Service B&M $26,243
    Community Trust Bank, Inc. 4205 North Mayo Trail Pikeville, KY 41501 Full Service B&M $59,392
    Community Trust Bank, Inc. 427 Versailles Rd. Frankfort, KY 40601 Full Service B&M $44,050
    Community Trust Bank, Inc. 462 West Main Street Danville, KY 40422 Full Service B&M $62,256
    Community Trust Bank, Inc. 470 Lexington Road Versailles, KY 40383 Full Service B&M $34,557
    Community Trust Bank, Inc. 470 North Mayo Trail Paintsville, KY 41240 Full Service Retail $22,624
    Community Trust Bank, Inc. 507 Main Street Summersville, WV 26651 Full Service B&M $97,747
    Community Trust Bank, Inc. 521 West Main Street Lebanon, KY 40033 Full Service B&M $30,236
    Community Trust Bank, Inc. 525 Walnut Meadow Road Berea, KY 40403 Full Service B&M $41,818
    Community Trust Bank, Inc. 56 Isom Plaza Jeremiah, KY 41826 Full Service B&M $37,147
    Community Trust Bank, Inc. 570 Chestnut Street Harrodsburg, KY 40330 Full Service B&M $53,009
    Community Trust Bank, Inc. 6424 Ky Route 1428 Allen, KY 41601 Full Service B&M $17,766
    Community Trust Bank, Inc. 678 Us Highway 25 West Corbin, KY 40701 Full Service B&M $24,222
    Community Trust Bank, Inc. 7100 Us Route 60 Ashland, KY 41102 Full Service B&M $30,501
    Community Trust Bank, Inc. 721 Wheatley Road Ashland, KY 41101 Full Service B&M $30,074
    Community Trust Bank, Inc. 735 Court Street Fort Gay, WV 25514 Full Service B&M $48,593
    Community Trust Bank, Inc. 752 North Main Street Jamestown, KY 42629 Full Service B&M $9,521
    Community Trust Bank, Inc. 8049 Lynn Avenue Hamlin, WV 25523 Full Service B&M $47,612
    Community Trust Bank, Inc. 860 Eastern Bypass Richmond, KY 40475 Full Service B&M $28,523
    Community Trust Bank, Inc. 895 Hwy 25w South Williamsburg, KY 40769 Full Service B&M $41,158
    Community Trust Bank, Inc. 901 Beaumont Centre Parkway Lexington, KY 40513 Full Service B&M $50,507
    Community Trust Bank, Inc. 9505 Hwy 805 Jenkins, KY 41537 Full Service B&M $16,208
    Community Trust Bank, Inc. 952 Third Avenue Huntington, WV 25701 Full Service B&M $15,480
    Community Trust Bank, Inc. 970 Diederich Blvd Russell, KY 41169 Full Service B&M $15,533

    For 2020, Community Trust Bank had 79 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $176,072
    Net interest income $152,042
    Total noninterest income $41,761
    Gross Fiduciary activities income $20
    Service charges on deposit accounts $20,259
    Trading account gains and fees $0
    Additional Noninterest Income $21,482
    Pre-tax net operating income $67,779
    Securities gains (or losses, -) $1,671
    Income before extraordinary items $59,189
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $59,189
    Minority interest net income $0
    Net income $59,189
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $57,768

    Community Trust Bank's gross interest income from loans was $176,072,000.
    Community Trust Bank's net interest income from loans was $152,042,000.
    Community Trust Bank's fee based income from loans was $20,259,000.
    Community Trust Bank's net income from loans was $59,189,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $24,030
    Provision for credit losses $16,047
    Total noninterest expense $109,977
    Salaries and employee benefits $58,899
    Premises and equipment expense $10,346
    Additional noninterest expense $40,732
    Applicable income taxes $10,261
    Net charge-offs $6,161
    Cash dividends $26,337

    Community Trust Bank's interest expense for loans was $24,030,000.
    Community Trust Bank's payroll and benefits expense were $58,899,000.
    Community Trust Bank's property, plant and equipment expenses $10,346,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 3.0%
    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 3.0%

    Deposits

    Type Value (in 000's)
    Total deposits $4,027,614
    Deposits held in domestic offices $4,027,614
    Deposits by Individuals, partnerships, and corporations $3,656,555
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $363,455
    Deposits by Commercial banks and other depository institutions in U.S. $7,604
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,230,765
    Demand deposits $1,230,765
    Nontransaction accounts $2,796,849
    Money market deposit accounts (MMDAs) $1,228,742
    Other savings deposits (excluding MMDAs) $527,436
    Total time deposits $1,040,671
    Total time and savings deposits $2,796,849
    Noninterest-bearing deposits $1,151,071
    Interest-bearing deposits $2,876,543
    Retail deposits $3,805,229
    IRAs and Keogh plan accounts $141,130
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $5,108,793
    Cash & Balances due from depository institutions $338,481
    Interest-bearing balances $250,948
    Total securities $974,949
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,529,448
    Loan and leases loss allowance $48,022
    Trading account assets $0
    Bank premises and fixed assets $54,585
    Other real estate owned $7,694
    Goodwill and other intangibles $64,585
    All other assets $139,051

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $5,108,793
    Total Liabilities $4,434,242
    Total deposits $4,027,614
    Interest-bearing deposits $2,876,543
    Deposits held in domestic offices $4,027,614
    % insured (estimated) $75
    Federal funds purchased and repurchase agreements $356,362
    Trading liabilities $0
    Other borrowed funds $1,836
    Subordinated debt $0
    All other liabilities $48,430

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,529,448
    Loan and leases loss allowance $48,022
    Total loans and leases (domestic) $3,577,470
    All real estate loans $2,139,072
    Real estate loans in domestic offices $2,139,072
    Construction and development loans $196,303
    Residential 1-4 family construction $87,983
    Other construction, all land development and other land $108,320
    Loans secured by nonfarm nonresidential properties $843,763
    Nonfarm nonresidential secured by owner-occupied properties $119,870
    Commercial real estate & other non-farm, non-residential $723,893
    Multifamily residential real estate $115,747
    1-4 family residential loans $924,444
    Farmland loans $58,815
    Loans held in foreign offices $0
    Farm loans $18,341
    Commercial and industrial loans $519,089
    To non-U.S. addressees $0
    Loans to individuals $836,640
    Credit card loans $0
    Related Plans $3,957
    Consumer Auto Loans $598,835
    Other loans to individuals $233,848
    All other loans & leases $64,328
    Loans to foreign governments and official institutions $0
    Other loans $50,815
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $660
    Loans secured by real estate to non-U.S. addressees $106
    Restructured Loans & leases $66,428
    Non 1-4 family restructured loans & leases $34,575
    Total loans and leases (foreign) $0

    Community Trust Bank had $3,529,448,000 of loans outstanding in 2020. $2,139,072,000 of loans were in real estate loans. $196,303,000 of loans were in development loans. $115,747,000 of loans were in multifamily mortgage loans. $924,444,000 of loans were in 1-4 family mortgage loans. $18,341,000 of loans were in farm loans. $0 of loans were in credit card loans. $598,835,000 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 1,168 $235,232 $201,397
    Nonfarm, nonresidential loans - <$100k 307 $11,847 $38,590
    Nonfarm, nonresidential loans - $100-250k 410 $49,024 $119,571
    Nonfarm, nonresidential loans - $250k-1MM 451 $174,361 $386,610
    Commercial & Industrial, US addressed loans - <$1MM 4,498 $284,158 $63,174
    Commercial & Industrial, US addressed loans - <$100k 3,542 $90,784 $25,631
    Commercial & Industrial, US addressed loans - $100-250k 573 $68,928 $120,293
    Commercial & Industrial, US addressed loans - $250k-1MM 383 $124,446 $324,924
    Farmland loans - <$1MM 374 $35,295 $94,372
    Farmland loans - <$100k 187 $7,698 $41,166
    Farmland loans - $100-250k 152 $17,887 $117,678
    Farmland loans - $250k-1MM 35 $9,710 $277,429
    Agriculture operations loans - <$1MM 345 $9,230 $26,754
    Agriculture operations loans - <$100k 314 $5,754 $18,325
    Agriculture operations loans - $100-250k 27 $2,821 $104,481
    Agriculture operations loans - $250k-1MM 4 $655 $163,750