Community Trust Bancorp Inc (NASDAQ: CTBI) is a bank holding company that provides commercial and retail banking services. It earns revenue primarily through net interest income on loans and deposits, supplemented by noninterest income from fees and service charges. CTBI is listed on The Nasdaq Global Select Market and operates as a regional financial institution. The 10-K filed 2026-02-27 (accession 000114036126007058) covers the fiscal year ended December 31, 2025. The filing identifies competition, interest rate sensitivity, credit performance, and regulatory change as primary business risks, consistent with a traditional community banking model dependent on spread income. No specific loan portfolio size, deposit totals, branch counts, or segment revenue breakdowns are recoverable from the available filing excerpts.

Revenue model

Net interest income from loans and deposits is the primary revenue driver, with noninterest income from fees and service charges as a secondary source. This is a spread-based banking model typical of community bank holding companies.

Products and services

Commercial lending, retail banking, deposit products, and financial planning services are referenced in the filing. Specific product names, loan categories, or fee-based service details are not recoverable from the available excerpts.

Customers and end markets

Retail and commercial banking customers. The filing references demographic changes on target market populations and savings and financial planning needs as demand drivers. No customer concentration figures or specific end-market breakdowns are recoverable from the available excerpts.

Value-chain role

Deposit-taking and lending intermediary operating as a community bank holding company.

Geographic exposure

The filing does not specify states or branch counts in the available excerpts. The company is incorporated and headquartered in the United States.

Source: SEC 10-K, filed 2026-02-27

Industry: State Commercial Banks Peers: Byline Bancorp Inc Stellar Bancorp Inc Farmers & Merchants Bancorp FIRST BANCSHARES INC /MS/ Great Southern Bancorp Inc Horizon Bancorp Inc Metropolitan Bank Holding Corp Peoples Bancorp Inc PNC Financial Services Group Inc