# COMMUNITY TRUST BANK INC
PIKEVILLE, KY · FDIC certificate 2720 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.95B | |
| Deposits | $5.67B | |
| Loans and leases | $5.12B | |
| Total equity | $907.4M | |
| Loans / deposits | 89.35% (p57 of band) | 87.10% |
| Liquid assets / assets | 22.09% (p54 of band) | |
| Uninsured deposits / deposits | 29.60% (p46 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.44% (p43 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.43% (p87 of band) | 10.50% |
| Unrealized securities loss / equity | -9.78% (p41 of band) | -7.75% |
| AOCI / equity | -0.39% (p44 of band) | |
| ROA (annualized) | 1.64% (p76 of band) | 1.26% |
| Net interest margin | 3.83% (p58 of band) | 3.70% |
| Efficiency ratio | 46.66% (p16 of band) | |
| Noncurrent loans | 0.58% (p55 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p68 of band) | |
| Reserve coverage of noncurrent | 211.80% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 35.06% (p36 of band) | |
| Auto loans | $842.8M (16.45% of loans; DQ 0.65%, NCO 0.03%) | |
| Loans to nondepository financials | $7.6M (1% of equity) (p75 of band) | |
| Deposits YoY | 8.2% | |
| Employees | 914 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-06 [Community Trust Bank promotes Skyler Hunt to Mt. Vernon/Somerset Market President - The Lane Report](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPUGNETTRuVEtsYjFzaVhZRVkyRmdZTzBScnJXMENOTjdadGZ0d0c2ZXBpYk5ZUzlfUEVTeFFsMTdVU0llcktxMmh0UFBjR1plYTNxd0wtTWktN1BnZERmMmZCcGdjQUdsZHVGQzhBVkVTbVVqdm9LeFNhNW5HZ0F5TmlneU1wakNUTFJlSTFrQjNzYjNhS093a0lVUG9iQkFHY3VPdDRvWlNqR2xwLXltVHhQUzAwczdlN3ptTmlqcFY?oc=5) · The Lane Report
- 2025-12-04 [Community Trust Bank announces Newsome as Market President - Winchester Sun](https://news.google.com/rss/articles/CBMinAFBVV95cUxNdVV4dGZXMWhITWJjSkZZRndpWHUxMnFTNmtlMkNKbW5DREp3X24wNVA4eVFrTUtzd3g2VWgydnk4Xy1mektzWVNwYWh6c3htSS0xbmV4NkJZeVdVU3ZHbXotZmluUWZWX2tYOEE1UmRQTmtOMFVNVGZWNDZodGI1bmpPa3hxbGtjek5TV2hLNVRsTVRyeFNGZjVUR3Q?oc=5) · Winchester Sun
- 2025-12-12 [Community Trust Bank again Kentucky’s top SBA community bank lender - mountain-topmedia.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPMkUtYWs0bmNQZGlMUVo1Tk9KLXpOZVh1cldhSGJ0WWdhUC1qeEdBZVh4ZlBjaTRicDFycDE3b0ZXRHhMWkxsVUJLeUlMUm5hNkZxT1ZMT1NseVZsWGluVjRDSDJ3dV8wSkV3ZjVVeW40cWxESHlhcm0tcXBLQ2VJLUpGNEdRRXVLSkx5Nmg1YXNhMm5LR0FGczZ5eFVPdw?oc=5) · mountain-topmedia.com
- 2026-05-29 [Who's Who for June 2026 - Smiley Pete Publishing](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBQMGdQbWNhSHhrZ3Vfd0ZKb2hGVWpwazQwZkpYMkxqRjhBMHRTOXdQb1VNQVF3aGZLdlpLa0ZOMWF5SVVXYWFqTS16bnRmUm54eEdCYjNIcElTNG1hUnFIbQ?oc=5) · Smiley Pete Publishing
- 2024-03-26 [symbol__ Stock Quote Price and Forecast - CNN](https://news.google.com/rss/articles/CBMiUEFVX3lxTE55ZXluTFpsbG9UNzF6Y3lDQlZCUHEyYy1WQ3FXZGlHR2lLZzRreFFQTkczcHZUbUpmWF9ZSE1YR0NZcFFtT0hkeG9KdHFLSFpF?oc=5) · CNN
- 2022-02-01 [Several community leaders promoted to top roles at regional bank - WYMT](https://news.google.com/rss/articles/CBMilgFBVV95cUxNa25hRHd1S2JoU012ZlhaYWpoenVpeV9jQnFNajZtQ0kwdU5qMHdsODVIcVV3cnE3U1pYN1llbGpidE5nUkFTdVk0eFE4TDd5Z1BqeWhCRThUUXlZRE04SUFwdG9xcUZpMTZFMmZvb2paekdlRWl0cTVHMlZLWmwxV01QMHNTSGFsRWNicWlodEFIUzQ1VnfSAaoBQVVfeXFMT0RlTnVtMFRhamVFZk5vZjk3dzU1R2piam4xOVFCLW5GbUU4MFhFU1czZTFNejBzMnVJTWxaYnJBVFBpODhtQmxIMmpTNTRqdkxYYzFlelVNR1UxVnNNUk9GUWRoU1ZLS2szQmNDMEt4aGxuS2NiUEVqZjdhLVE4UUZ4R2ZKSEpHaW40bHRMeC1PRHAtWk1VRUZmOHVnaTJQS3hrWHgwMkoxWVE?oc=5) · WYMT
- 2025-07-14 [Roe named Versailles market president of Community Trust Bank - State-Journal](https://news.google.com/rss/articles/CBMioAFBVV95cUxOX3phMU5sU19qRGk0UXlfeUEwajJ0Wld3WXhvTFR5eHU3MWxTckdaemZQZVF6dlFWUmVlRkozc3hNWHZsaVA4TjlJc2VUVlR6bzVURmF4dGstZ0FlTERvZWxWX2szZjRITGdZZHQwMmpjQThyX3BFcWUzMEJydF93XzNhTTNpMG40V1p3Y0M1TVRISWdUdC02cWo2dkNOTWtE?oc=5) · State-Journal
- 2025-12-12 [Pikeville-based bank Ky’s top SBA Community Bank lender for 17th straight year - The Lane Report](https://news.google.com/rss/articles/CBMivAFBVV95cUxNNXF4b240dXUweU9LazFTTDF2MDdOSm9PYi1lbG1NWWZkZzIwUGFrRkJvQ3NZQ2tTdFRmMDBQSFVaTmtUQ2lvUlk5bjlORXp4YXBEb0o3R0pOa3ZhSG45bG1VTWJtWjBWRk1IX0NtaFlSU2Ywb2JORzlxOUdrbnNYTFdhYnJYV0l6dzJIN0ZnNTY3MzdXN1BfVW1pMF9JQWhadl9zYl90dmt3RkJQYVhsUTJibThxMWFHcmJ0aQ?oc=5) · The Lane Report

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2720 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "2720", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide