COMMUNITY TRUST BANCORP INC

Community Trust Bancorp, Inc. (NASDAQ: CTBI) operates as a bank holding company providing comprehensive financial services through its subsidiaries Community Trust Bank, Inc. and Community Trust and Investment Company. The company's website is www.ctbi.com.

CTBI serves small and mid-sized communities across eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee. As of December 31, 2025, the company maintains total consolidated assets of $6.7 billion and total consolidated deposits of $5.7 billion, with shareholders' equity of $856.1 million. Trust assets under management reach $4.1 billion, including an investment portfolio of $1.1 billion.

The company's core business encompasses a wide range of commercial and personal banking services, including accepting deposits, originating secured and unsecured loans to corporations and individuals, providing cash management services, issuing letters of credit, and offering funds transfer services. The lending portfolio includes commercial, construction, mortgage, and personal loans, with lines of credit and asset-based financing options available. Approximately 70 percent of the loan portfolio is secured by real estate, with commercial real estate comprising roughly 42 percent of total loans. The company also operates a substantial trust and wealth management division providing fiduciary services, estate administration, employee benefit trust management, investment advisory services, and full-service brokerage and insurance services.

CTBI employs 930 full-time equivalent employees across its operating regions. The workforce demonstrates significant tenure, with 21 percent of employees having more than 20 years of service and an average tenure exceeding 10 years. Women comprise 75 percent of the total workforce, with females holding 61 percent of managerial positions.

The company maintains a strong commitment to community development, having provided over $59.6 million in community development lending during 2025 and contributing more than $719 thousand to support low and moderate income families and economic development initiatives. CTBI operates under the Community Bank Leverage Ratio framework, maintaining a leverage ratio of 13.64 percent as of December 31, 2025, well above the required threshold.