Community Trust Bancorp (CTBI) Investor presentation summary

Key financial metrics and competitive position

• Total assets reached $6.2 billion and market capitalization was $957.6 million as of December 31, 2024.

• Cash dividend yield stood at 3.55% and tangible common equity ratio at 11.29%.

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

Franchise footprint and business segments

• Operates 81 locations across 37 counties in Kentucky, Tennessee, and West Virginia, including 5 trust offices.

• Regional loan and deposit balances: Central ($1.1B loans, $1.4B deposits), South Central ($1.0B loans, $1.1B deposits), Eastern ($1.1B loans, $2.1B deposits), Northeastern ($494M loans, $706M deposits).

• Trust assets under management grew to $3.7 billion in 2024, with trust revenue at $21.3 million.

Financial performance and growth

• 2024 EPS was $4.61, up 5.7% from 2023; 2025 EPS goal is $4.86–$5.06.

• Net income rose 6.2% to $82.8 million in 2024; 2025 goal is $88.0–$91.6 million.

• Revenues increased 7.7% to $223.5 million in 2024; 2025 target is $261.6–$272.3 million.

• Noninterest income grew 8.5% to $57.7 million, representing 25.8% of total revenue.

• Net interest revenue increased 7.4% to $163.1 million, with net interest margin up 4 basis points.