Community Trust Bancorp, Inc.
investors.ctbi.comWhat Do They Do?
Provides commercial and personal banking, loans, and trust and wealth-management services to individuals and businesses in small and mid-sized communities across Kentucky, southern West Virginia, and northeastern Tennessee.
10-K for FY2025, filed Feb 27, 2026
How Do They Make Money?
It earns interest on loans and investment securities according to their terms over their lives; deposit customers pay account fees when monthly services or transactions are completed, and trust and wealth-management customers pay monthly or quarterly fees.
10-K for FY2025, filed Feb 27, 2026CTBI’s primary source of revenue is interest income generated from loans and investment securities. Interest income is recognized according…View ↗
Service charges on deposit accounts represent general service fees for monthly account maintenance and activity- or transaction-based fees…View ↗
Trust and wealth management income represents monthly or quarterly fees due from wealth management customers as consideration for managing…View ↗
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10-K for FY2025, filed Feb 27, 2026
FY2025 revenue by reportable segment ↗
$345.7M
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10-K for FY2025, filed Feb 27, 2026
$345.7M ↗
| Segment | Share | Revenue |
|---|---|---|
|
Community Banking Services
|
100%
FY2022: 100%
|
Community Banking Services, FY2025
$345.6M Sources
|
|
Holding Company
|
<0.1%
FY2022: <0.1%
|
Holding Company, FY2025
$113K Sources
|
Who Are Their Customers?
Corporate customers use cash management and commercial lending; individuals use personal deposits, loans, and trust services.
10-K for FY2025, filed Feb 27, 2026Through our subsidiaries, CTBI engages in a wide range of commercial and personal banking and trust and wealth management activities, which…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 28 cents of every revenue dollar as net income in FY2025 and turned 28 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 7, 2026
Open tableView ↗
Growing. Revenue grew 94% in 4 years, from $178.2M in FY2021 to $345.7M in FY2025, about 18% a year.
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