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346 North Mayo Trail
Pikeville, KY 41501

Community Trust Bank, Inc. is headquartered in Pikeville and is the largest bank in the state of Kentucky. It is also the 220th largest bank in the nation. It was established in 1903 and as of March of 2014, it had grown to 977 employees at 81 locations. Community Trust Bank, Inc. has a B health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community Trust Bank, Inc. had $76.65 million in non-current loans and owned real-estate with $490.6 million in equity and loan loss allowances on hand to cover it. This gives Community Trust Bank, Inc. a Texas Ratio of 15.62% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community Trust Bank, Inc. experienced no significant changes from 16.29% as of March 31, 2013 to 15.62% as of March 31, 2014, resulting in a positive change of 4.09%.This indicates that the balance sheet and financial strength for Community Trust Bank, Inc. has had no significant changes in recent periods.

Deposit Growth


In the past year, Community Trust Bank, Inc. has decreased its total deposits by -$13.69 million, resulting in -0.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community Trust Bank, Inc. has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community Trust Bank, Inc. has $3.65 billion in assets with $490.6 million in equity, resulting in a capitalization level of 13.45%, which is excellent.

Institution Statistics

FDIC Certificate #2720
Year Established1903
Primary RegulatorFED
Assets and Liabilities
Assets$3.65 billion
Loans$2.55 billion
Deposits$2.93 billion
Equity Capital$456.99 million
Loan Loss Allowance$33.62 million
Unbacked Noncurrent Loans$40.36 million
Real Estate Owned$36.30 million
Historic Data - March 2013
Assets$3.65 billion
Equity Capital$442.43 million
Loan Loss Allowance$33.39 million
Unbacked Noncurrent Loans$40.36 million
Real Estate Owned$45.72 million
Profit Margin - Quarterly
Net Interest Margin4.02%
Return on Assets1.11%
Return on Equity8.81%
Interest Income$35.61 million

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Community Trust Bank, Inc. has 81 locations. Click to view all Community Trust Bank, Inc. locations.