Community Trust Bank, Inc.: how it compares with its peers
Against 244 U.S. banks with half to twice its assets, Community Trust Bank, Inc.'s strongest measure in Q2 2026 is efficiency ratio (46.66% vs. a 54.98% peer median). Its weakest relative measure is assets per employee ($7.6M vs. $10.0M).
| Measure | Community Trust Bank, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.64% | 1.34% | Top third Ahead of 73% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.83% | 3.68% | Middle third Ahead of 61% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.66% | 54.98% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $10.0M | Bottom third Ahead of 20% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.35% | 88.12% | Context |
What it means for lending operations
Its efficiency ratio of 46.66% is better than the 54.98% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Camden National Bank Camden, ME · $6.94B
- Cambridge Savings Bank Cambridge, MA · $6.98B
- Old Second National Bank Aurora, IL · $6.86B
- Mid Penn Bank Millersburg, PA · $7.04B
- Republic Bank & Trust Company Louisville, KY · $7.05B
Questions about Community Trust Bank, Inc.
How big is Community Trust Bank, Inc.?
Community Trust Bank, Inc., established in 1903, is headquartered in Pikeville, KY. It reported $6.95B in total assets in its Q2 2026 FDIC call report and operates 78 offices.
What is Community Trust Bank, Inc.'s return on assets?
1.64% annualized in Q2 2026, against a 1.34% median for 244 U.S. banks with half to twice its assets, ahead of 73% of them.
What is Community Trust Bank, Inc.'s efficiency ratio?
46.66% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 54.98%, and lower is better.
Is Community Trust Bank, Inc. growing its loans?
Net loans grew 9.0% over the year to Q2 2026, while deposits grew 8.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.