Community Trust Bancorp (CTBI) Investor Presentation summary

Key financial metrics and competitive position

• Total assets reached $6.4 billion and market capitalization was $958.1 million as of June 30, 2025.

• Cash dividend yield stood at 3.55% with a P/E ratio of 10.1x and price to book value of 1.2x.

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

Franchise footprint and operations

• 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 ($1.1B loans, $1.2B deposits), Eastern ($1.0B loans, $2.1B deposits), Northeastern ($530M loans, $719M deposits).

• Assets under management total $3.8 billion, with $11.5 million in related revenues.

Financial performance and growth

• YTD 2025 EPS increased 22.1% and net income rose 22.8% compared to June 2024.

• YTD revenues up 13.5% year-over-year; net interest revenue up 18.0% with a 30 bps increase in net interest margin.

• Return on average assets (ROAA) at 1.51% and return on average equity (ROAE) at 12.01% for YTD 2025.