Community Trust Bancorp (CTBI) Investor presentation summary

Leadership and governance

• Board includes experienced directors and executive officers overseeing multiple regions and subsidiaries.

• Chairman, President, and CEO leads a team of regional and functional EVPs.

Key financial metrics and competitive position

• Total assets reached $6.7 billion at year-end 2025, with a market capitalization of $1.0 billion.

• Cash dividend yield was 3.75%, P/E ratio 10.4x, and tangible common equity ratio 11.94%.

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

Franchise and regional performance

• Loans and deposits are diversified across Central, South Central, Eastern, and Northeastern regions, with indirect lending totaling $0.9 billion.

• Trust assets under management grew to $4.1 billion, generating $23.5 million in revenue in 2025.