Community Trust Bank Inc (FDIC #2720): Bank Stress & Real-Estate Credit Exposure
Community Trust Bank Inc (FDIC Cert #2720): bank stress 47/100, moderate, STABLE over 7 days; parent COMMUNITY TRUST BCORP INC.
Community Trust Bank Inc (#2720) lends in 37 counties across 3 states; Community Trust Bank Inc (#2720) reaches 425 ZIP codes: Kentucky 30 counties, 314 ZIPs; West Virginia 5 counties, 90 ZIPs; Tennessee 2 counties, 21 ZIPs.
Community Trust Bank Inc (#2720) largest markets: Pike County, KY (429 branches, 39 ZIPs) (#2720), Floyd County, KY (68 branches, 34 ZIPs) (#2720), Nicholas County, WV (27 branches, 27 ZIPs) (#2720), Letcher County, KY (130 branches, 26 ZIPs) (#2720), Perry County, KY (72 branches, 24 ZIPs) (#2720), Knott County, KY (24 branches, 24 ZIPs) (#2720).
Community Trust Bank Inc (#2720) reports $6.95 billion in total assets; Community Trust Bank Inc (#2720) equity $907.4 million (13.1% of Community Trust Bank Inc (#2720) assets); Community Trust Bank Inc (#2720) domestic deposits $5.67 billion; Community Trust Bank Inc (#2720) net income $55.4 million; Community Trust Bank Inc (#2720) return on assets 1.64%; Community Trust Bank Inc (#2720) return on equity 12.47%; Community Trust Bank Inc (#2720) net interest income $120.8 million; Community Trust Bank Inc (#2720) call report June 30, 2026.
Community Trust Bank Inc (#2720) noncurrent real-estate loans 0.02% of its book; Community Trust Bank Inc (#2720) multifamily -0.01%; Community Trust Bank Inc (#2720) residential 0.01%; Community Trust Bank Inc (#2720) net charge-offs on real estate 0.49%; Community Trust Bank Inc (#2720) multifamily charge-offs 0.65%; Community Trust Bank Inc (#2720) residential charge-offs 0.38%.
Community Trust Bank Inc (#2720) net interest margin 3.83% against an eight-quarter Community Trust Bank Inc (#2720) average of 3.66% (Community Trust Bank Inc (#2720) compression -0.18 points); Community Trust Bank Inc (#2720) real-estate loans 1.6% of equity; Community Trust Bank Inc (#2720) non-residential real estate 37.8% of equity; Community Trust Bank Inc (#2720) rate-exposure score 40/100, Community Trust Bank Inc (#2720) fixed-rate trap 40/100; Community Trust Bank Inc (#2720) risk type credit driven; Community Trust Bank Inc (#2720) rate regime rates elevated, Community Trust Bank Inc (#2720) snapshot October 19, 2026.
Community Trust Bank Inc (#2720) stress score moved from 45.9 on June 22, 2026 to 47 on October 20, 2026; Community Trust Bank Inc (#2720) ranged 45.9 to 47 over 117 snapshots.
Community Trust Bank Inc (#2720) alerts: 37 counties; top Community Trust Bank Inc (#2720) alert scores: Clinton County, KY 36 (moderate); Russell County, KY 33 (low); Ashland County, KY 18 (low); Campbellsville County, KY 18 (low); Columbia County, KY 18 (low).