Community Trust Bancorp (CTBI) Investor presentation summary

Key financial metrics and competitive position

• Total assets reached $7.0 billion and market capitalization is $1.3 billion as of June 30, 2026.

• Cash dividend yield stands at 2.93% with a P/E ratio of 11.4x and price to book value of 1.5x.

• Ranked 3rd largest Kentucky-domiciled bank holding company and 2nd in deposit market share among Kentucky-based FDIC institutions.

Franchise footprint and operations

• Operates 78 locations across 37 counties in Kentucky, Tennessee, and West Virginia, including 5 trust offices.

• Regional loan and deposit balances: Central ($1.2B/$1.6B), South Central ($1.3B/$1.3B), Eastern ($1.0B/$2.3B), Northeastern ($0.6B/$0.8B).

• Assets under management total $4.3 billion with $24.2 million in revenues as of June 2026.

Financial performance and growth

• EPS increased 21.1% from 2025 to 2026; net income rose 21.2% in the same period.

• Revenues grew 12.0% from 2025 to 2026; net interest revenue up 13.6%.

• Net interest margin improved to 3.79% YTD 2026, outperforming peers.

• Return on average assets (ROAA) at 1.70% and return on average equity (ROAE) at 13.01% YTD 2026.