Community Trust Bank
Community Trust Bancorp (NASDAQ: CTBI) is a Pikeville, Kentucky-based bank holding company founded in 1903, operating 69 branches across Kentucky, West Virginia, Tennessee, and Ohio. It provides personal and business banking, SBA lending, and wealth and trust services to retail, SMB, and HNW clients.
- Company typePublic
- Founded1903
- HeadquartersKentucky, Australia
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Community Trust Bank does
Community Trust Bancorp, Inc. is a publicly traded bank holding company (NASDAQ: CTBI) founded in 1903 and headquartered in Pikeville, Kentucky. It operates through two wholly owned subsidiaries, Community Trust Bank, Inc. (commercial banking) and Community Trust and Investment Company (CTIC, wealth and trust management), serving individual consumers, small and medium businesses, high-net-worth individuals, and institutional clients across Kentucky, West Virginia, Tennessee, and Ohio via 69 banking locations plus trust offices. The bank has been recognized as Kentucky's top SBA 7(a) lender for 17 consecutive years, with $12.5 million in such loans facilitated in fiscal year 2024-2025.
Core products span personal and business deposit accounts (checking, savings, money market, CDs at a promotional 4.25% APY on a 12-month CD), consumer and commercial lending (consumer loans, mortgages, home equity, business loans, commercial credit cards via Elan), merchant services, and corporate cash management (Positive Pay, SecurLock Communicate). Digital channels include internet banking, mobile banking apps on iOS and Android with mobile remote deposit, fingerprint authentication, and digital card issuance, plus Zelle, Apple Pay, Google Pay, and Samsung Pay integrations. Wealth and trust offerings are delivered through CTIC's Wealth and Trust Management group and Community Trust Financial Services (CTFS), which distributes securities, advisory, and insurance products via a long-standing LPL Financial partnership using in-branch financial consultants.
The revenue model is a hybrid of net interest income from lending, non-interest fee income from deposit, card, and merchant services, and managed/recurring income from trust, investment management, and brokerage services. The go-to-market is relationship-led through physical branches supplemented by digital self-service channels, with content marketing (financial calculators, LPL Research market commentary) supporting customer acquisition. Distribution is concentrated in the tri-state Appalachian region, with Ohio listed among operating geographies, and the firm is positioned as a stable, century-old community bank with multi-channel digital parity.
Community Trust Bank firmographics
Firmographics- Name
- Community Trust Bank
- Legal name
- Community Trust Bancorp, Inc.
- Website
- https://ctbi.com
- Company type
- Public
- Founded year
- 1903
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Community Trust Bancorp (NASDAQ: CTBI) is a Pikeville, Kentucky-based bank holding company founded in 1903, operating 69 branches across Kentucky, West Virginia, Tennessee, and Ohio. It provides personal and business banking, SBA lending, and wealth and trust services to retail, SMB, and HNW clients.
- Ownership category
- akta.pro rank
Community Trust Bank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (522110), Portfolio Management and Investment Advice (523940)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)
- akta.pro secondary industry
- Corporate & Institutional Trust Services (FSAAANAB)
Keywords
Where Community Trust Bank is headquartered
LocationHeadquarters
- HQ city
- Kentucky
- HQ country
- Australia
- HQ region
- Oceania
Offices3 records
Markets served
Community Trust Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Interest Income: Traditional banking revenue from interest earned on loans including commercial loans, consumer loans, mortgages, home equity loans, and business loans. The bank reports earnings beats indicating strong core banking performance.
- Non-Interest Income: Fee income from deposit account services, card services, merchant services, and other banking fees.
- Wealth and Trust Management: Revenue from trust services, investment management, and financial planning through Community Trust and Investment Company (CTIC), including Community Trust Financial Services (CTFS) which offers investment and insurance products through LPL Financial partnership.
- Securities and Advisory Services: Securities and advisory services offered through LPL Financial partnership. CTFS consultants work in bank branches providing investment and insurance products to retail customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | 12-Month CD Special - 4.25% APY promotional rate |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
Community Trust Bank product offering
Product offeringCore offering
Community Trust Bank is a regional community bank that provides personal and business deposit accounts (checking, savings, money market, CDs), consumer and commercial lending (consumer loans, mortgages, home equity, business loans, SBA 7(a) loans), payment and card services, and merchant services through 69 branches and digital channels. Its Community Trust and Investment Company (CTIC) subsidiary additionally provides wealth management, trust administration, estate planning, retirement/institutional plan services, and retail investment and insurance products via the LPL Financial partnership.
Differentiator
Problem solved
Functional benefit
Brands
- Community Trust Financial Services (CTFS): Retail investment and insurance services division created in 1998 to serve Community Trust Bank customers with investment and insurance needs.
- Community Trust and Investment Company (CTIC)
Products and services
- Personal Checking
- Savings & Money Market
- 12-Month CD Special
- 7-Month CD Special
- Consumer Loans
- Mortgages
- Home Equity
- Business Checking
- Business Savings & Money Market
- Business CDs
- Business Loans
- Merchant Services
- Commercial Credit Cards
- Positive Pay
- Internet Banking
- Mobile Banking
- Zelle
- Flexcard
- Pay Your Way
- Prepaid Cards
- Community Trust and Investment Company (CTIC) Wealth and Trust Management
- Community Trust Financial Services (CTFS)
- Retirement and Institutional Services
Quantifiable outcome
- Top SBA 7(a) lender in Kentucky for 17 consecutive years with over $12.5 million in loans facilitated in FY 2024-2025
Companies that use Community Trust Bank
Customer profileSegments5 records
Ideal customer profiles4 records
Community Trust Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature5 records
Community Trust Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- LPL FinancialcoreCommunity Trust Financial Services (CTFS) was created in 1998 as a division of Community Trust and Investment Company to serve retail banking customers with investment and insurance needs. Securities and advisory services are offered through LPL Financial, a registered investment advisor and broker/dealer (member FINRA/SIPC). Financial consultants work in bank branches providing access to LPL's investment platform and products.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Community Trust Bank competitors and assessment
Company assessmentDirect peers
- S&T Bancorp: Pennsylvania-based community bank holding company (NASDAQ: STBA) providing commercial, consumer, and wealth management services. Comparable in scale and business model with similar SBA lending and integrated wealth management positioning.
- Republic Bancorp: Kentucky-based community bank holding company (NASDAQ: RBCAA) operating across Kentucky, Indiana, Ohio, Tennessee, and Florida. Directly comparable as a publicly traded community bank of similar scale focused on relationship banking in overlapping regional markets.
- Tompkins Financial: New York-headquartered community bank (NYSEAM: TMP) with operations across New York, Pennsylvania, and other Mid-Atlantic states offering banking, wealth management, and insurance. Comparable community bank profile with integrated wealth management services.
- First Busey Corporation: Illinois-based community bank holding company (NASDAQ: BUSE) operating across Illinois, Indiana, Florida, and Missouri with commercial banking, wealth management, and payments services. Comparable mid-size community bank with similar business mix and integrated wealth management focus.
- Stock Yards Bank & Trust: Kentucky-headquartered community bank (NASDAQ: SYBT) operating in Kentucky, Indiana, and Ohio with wealth management and trust services. Comparable in size, business mix including wealth management, and Kentucky-centric footprint with similar SMB and retail banking focus.
- First Merchants Corporation: Indiana-headquartered community bank (NASDAQ: FRME) operating across Indiana, Ohio, Michigan, Illinois, and Kentucky with commercial banking, wealth management, and insurance services. Comparable mid-size community bank with similar business mix and adjacent Midwestern footprint.
- WesBanco: Multi-state community bank holding company (NASDAQ: WSBC) operating across West Virginia, Ohio, Pennsylvania, and Kentucky with full banking and wealth management services. Direct geographic overlap in West Virginia and Kentucky markets with similar community banking model.
- First Financial Bancorp: Ohio and Indiana-headquartered community bank (NASDAQ: THFF) operating in Ohio, Indiana, and Kentucky with commercial banking and wealth management. Comparable in scale and adjacent geographic footprint with similar SMB-focused commercial banking approach.
Broad incumbents
- Old National Bancorp: Large regional bank holding company (NASDAQ: ONB) operating across the Midwest and Southeast including Kentucky and Tennessee. A larger peer with overlapping markets, broader product suite, and recent acquisitions significantly expanding scale beyond CTBI's footprint.
- Truist Financial: Major U.S. regional bank (NYSE: TFC) formed from BB&T and SunTrust merger with significant presence across the Southeast including Kentucky and Tennessee. Large incumbent competitor with overlapping markets; several CTBI alumni (e.g., Tim Little, Gerrie Clark) previously worked at BB&T/Truist.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Community Trust Bank social profiles
Digital presenceCommunity Trust Bank compliance and trust
Trust signalCompliance4 records
Community Trust Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Community Trust Bank leadership team
Management profileNumber of profiles
Profiles24 records
Community Trust Bank subsidiaries and ownership
Company hierarchySubsidiaries2 records
Community Trust Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Community Trust Bank M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Community Trust Bank
What does Community Trust Bank do?
Community Trust Bank is a regional community bank that provides personal and business deposit accounts (checking, savings, money market, CDs), consumer and commercial lending (consumer loans, mortgages, home equity, business loans, SBA 7(a) loans), payment and card services, and merchant services through 69 branches and digital channels. Its Community Trust and Investment Company (CTIC) subsidiary additionally provides wealth management, trust administration, estate planning, retirement/institutional plan services, and retail investment and insurance products via the LPL Financial partnership.
Is Community Trust Bank a public or private company?
Community Trust Bank is a public company. It is classified as public and is currently operating.
When was Community Trust Bank founded?
Community Trust Bank was founded in 1903. It employs 501 to 1,000 people.
Where is Community Trust Bank based?
Community Trust Bank is headquartered in Kentucky, Australia, in the Oceania region.
How does Community Trust Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are non-Interest Income, wealth and Trust Management and securities and Advisory Services.
Who are Community Trust Bank's main competitors?
Direct peers on record are S&T Bancorp, Republic Bancorp, Tompkins Financial, First Busey Corporation, Stock Yards Bank & Trust, First Merchants Corporation, WesBanco and First Financial Bancorp. Broad incumbents are Old National Bancorp and Truist Financial.
Does Community Trust Bank have an API?
No public API is recorded for Community Trust Bank.
What industry is Community Trust Bank in?
Community Trust Bank's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAF, Cooperative Banks (Member-Owned Commercial/Retail), with a secondary code of FSAAANAB, Corporate & Institutional Trust Services. Its NAICS code is 522110 and its SIC code is 6022.