Community Trust Bancorp, Inc. (CTBI): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Community Trust Bancorp, Inc. (CTBI), einem regionalen Bankkonzern, der traditionelle Finanzdienstleistungen durch ein sorgfältig ausgearbeitetes Geschäftsmodell transformiert. Durch die nahtlose Integration des Fokus auf die lokale Gemeinschaft mit innovativen Banklösungen hat sich CTBI eine besondere Nische in der Finanzlandschaft von Kentucky geschaffen und bietet personalisierte Dienstleistungen an, die über bloße Transaktionen hinausgehen, um dauerhafte wirtschaftliche Beziehungen aufzubauen. Dieses Business Model Canvas enthüllt die komplexen Mechanismen, die den Erfolg von CTBI vorantreiben, und zeigt, wie ein gemeinschaftszentrierter Ansatz robuste, nachhaltige Bankstrategien in einem sich ständig weiterentwickelnden Finanzökosystem entwickeln kann.

Community Trust Bancorp, Inc. (CTBI) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Unternehmen und Handelsunternehmen in Kentucky und den umliegenden Staaten

Community Trust Bancorp unterhält strategische Partnerschaften mit lokalen Unternehmen in ganz Kentucky, mit besonderem Schwerpunkt auf den folgenden Segmenten:

Geschäftssegment	Anzahl der Partnerschaften	Geografische Abdeckung
Kleine Unternehmen	1,247	Kentucky, Tennessee, West Virginia
Mittelständische Unternehmen	423	Kentucky und angrenzende Staaten
Gewerbeimmobilien	276	Mehrstaatenregion

Regionale Wirtschaftsentwicklungsorganisationen

Community Trust Bancorp arbeitet mit wichtigen Wirtschaftsentwicklungsunternehmen zusammen:

• Kentucky Economic Development Corporation
• Handelskammer von Kentucky
• Kentucky Small Business Development Center
• Regionale Behörden für industrielle Entwicklung

Partner im Agrar- und Landwirtschaftssektor

Partnerschaftstyp	Gesamte Agrarkredite	Anzahl der landwirtschaftlichen Partnerschaften
Agrarkredite	187,4 Millionen US-Dollar	312 landwirtschaftliche Partnerschaften
Finanzierung von Landmaschinen	42,6 Millionen US-Dollar	124 Ausrüstungspartnerschaften

Versicherungs- und Finanzdienstleister

Zu den wichtigsten Partnerschaften im Finanzdienstleistungsbereich gehören:

• Bundesweite Versicherung
• Aegon-Gruppe
• Lokale Versicherungsagenturen
• Investment-Management-Firmen

Gemeinschaftsinvestitionen und gemeinnützige Organisationen

Organisationstyp	Gesamtinvestition der Gemeinschaft	Anzahl der Partnerschaften
Lokale gemeinnützige Organisationen	3,2 Millionen US-Dollar	67 Partnerschaften
Gemeinschaftsentwicklung	1,8 Millionen US-Dollar	42 Partnerschaften
Bildungseinrichtungen	$750,000	22 Partnerschaften

Community Trust Bancorp, Inc. (CTBI) – Geschäftsmodell: Hauptaktivitäten

Kommerzielle und persönliche Bankdienstleistungen

Ab 2024 betreibt Community Trust Bancorp 64 Bankzentren in Kentucky und Süd-Ohio. Die Gesamtaktiva belaufen sich auf 7,6 Milliarden US-Dollar, davon entfallen 5,2 Milliarden US-Dollar auf Kredite und 6,1 Milliarden US-Dollar auf Einlagen.

Kategorie Bankdienstleistungen	Gesamtvolumen
Gewerbliches Kreditportfolio	3,1 Milliarden US-Dollar
Verbraucherkreditportfolio	2,1 Milliarden US-Dollar
Hypothekendarlehensportfolio	1,4 Milliarden US-Dollar

Kreditvergabe und Underwriting

Das jährliche Kreditvergabevolumen erreichte im Jahr 2023 1,2 Milliarden US-Dollar bei einer Nettozinsspanne von 3,65 %.

• Genehmigungsquote für gewerbliche Kredite: 68 %
• Zustimmungsrate für Verbraucherkredite: 72 %
• Durchschnittliche Kreditbearbeitungszeit: 14 Werktage

Einlagen- und Investmentmanagement

Insgesamt verwaltete Einlagen von 6,1 Milliarden US-Dollar mit vielfältigen Produktangeboten.

Einzahlungsprodukt	Gesamtsaldo
Girokonten	2,3 Milliarden US-Dollar
Sparkonten	1,8 Milliarden US-Dollar
Geldmarktkonten	1,5 Milliarden US-Dollar

Entwicklung einer digitalen Banking-Plattform

Digitale Banktransaktionen stiegen im Jahr 2023 um 42 %, mit 185.000 aktiven Digital-Banking-Nutzern.

• Downloads von Mobile-Banking-Apps: 76.000
• Online-Banking-Nutzer: 109.000
• Digitales Transaktionsvolumen: 3,2 Millionen monatlich

Risikomanagement und Compliance-Überwachung

Budget für die Einhaltung gesetzlicher Vorschriften von 12,4 Millionen US-Dollar im Jahr 2023, mit engagiertem Compliance-Personal von 42 Fachleuten.

Compliance-Metrik	Wert
Umfassende Compliance-Untersuchungen	247
Ergebnisse der Regulierungsprüfung	12
Compliance-Schulungszeiten	4,800

Community Trust Bancorp, Inc. (CTBI) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk in ganz Kentucky

Ab dem vierten Quartal 2023 ist Community Trust Bancorp tätig 75 Bankstandorte hauptsächlich in ganz Kentucky. Die geografische Präsenz der Bank umfasst:

Region	Anzahl der Filialen
Zentral-Kentucky	32
Ost-Kentucky	25
Südliches Kentucky	18

Erfahrene Management- und Bankfachleute

Das Führungsteam der Bank weist erhebliche Bankkompetenz auf:

• Durchschnittliche Amtszeit der Führungskräfte: 18,5 Jahre
• Gesamtzahl der Mitarbeiter: 798 zum 31. Dezember 2023
• Durchschnittliche Bankerfahrung der Mitarbeiter: 12,3 Jahre

Robuste digitale und technologische Infrastruktur

Die Technologieinvestitionen für 2023 summierten sich 4,2 Millionen US-Dollar, mit Schwerpunkt auf:

• Online-Banking-Plattformen
• Mobile-Banking-Anwendungen
• Cybersicherheitssysteme
• Infrastruktur für die Verarbeitung digitaler Transaktionen

Etablierte Kundenbeziehungen

Kundenmetrik	Daten für 2023
Gesamtzahl der Kundenkonten	186,500
Durchschnittliche Dauer der Kundenbeziehung	8,7 Jahre
Kundenbindungsrate	94.3%

Erhebliches Finanzkapital und Reserven

Finanzielle Ressourcen zum 31. Dezember 2023:

• Gesamtvermögen: 7,3 Milliarden US-Dollar
• Gesamteinlagen: 6,1 Milliarden US-Dollar
• Eigenkapital: 813 Millionen US-Dollar
• Kernkapitalquote: 13,2 %

Community Trust Bancorp, Inc. (CTBI) – Geschäftsmodell: Wertversprechen

Personalisierte Bankdienstleistungen für lokale Gemeinschaften

Ab dem vierten Quartal 2023 bedient Community Trust Bancorp, Inc. 69 Bankstandorte in Kentucky und Süd-Ohio. Die Gesamtaktiva belaufen sich auf 6,87 Milliarden US-Dollar, wobei der Schwerpunkt auf lokalisierten Bankdienstleistungen liegt.

Servicekategorie	Anzahl der Angebote	Marktdurchdringung
Persönliche Bankprodukte	27	85 % im Servicebereich
Business-Banking-Lösungen	19	72 % regionale Abdeckung

Wettbewerbsfähige Zinssätze und Finanzprodukte

Zinssätze für wichtige Finanzprodukte ab Januar 2024:

• Persönliches Sparkonto: 0,45 % APY
• Geldmarktkonto: 1,25 % effektiver Jahreszins
• 12-Monats-CD: 2,75 % effektiver Jahreszins
• Home-Equity-Kreditlinie: 7,25 % variabler Zinssatz

Reaktionsschneller und beziehungsorientierter Kundenservice

Kundendienstkennzahlen für 2023:

Servicemetrik	Leistung
Durchschnittliche Reaktionszeit	12 Minuten
Kundenzufriedenheitsrate	94.3%
Engagement im digitalen Banking	67 % der Kunden

Umfassende Finanzlösungen für Unternehmen und Privatpersonen

Aufschlüsselung des Finanzproduktportfolios:

• Kommerzielle Kredite: 1,42 Milliarden US-Dollar
• Hypothekendarlehen: 687 Millionen US-Dollar
• Verbraucherkredite: 512 Millionen US-Dollar
• Agrarkredite: 94 Millionen US-Dollar

Lokale Entscheidungsfindung und gemeinschaftsorientierter Ansatz

Community-Investitionsstatistik für 2023:

Anlagekategorie	Gesamtbetrag
Lokale Gemeinschaftsentwicklung	14,3 Millionen US-Dollar
Unterstützung für kleine Unternehmen	8,7 Millionen US-Dollar
Bildungsstipendien	2,1 Millionen US-Dollar

Community Trust Bancorp, Inc. (CTBI) – Geschäftsmodell: Kundenbeziehungen

Persönliches Beziehungsmanagement

Im vierten Quartal 2023 unterhält Community Trust Bancorp 59 Bankstandorte mit umfassendem Serviceangebot in ganz Kentucky. Die Bank beschäftigt insgesamt 789 Mitarbeiter, die sich dem Kundenbeziehungsmanagement widmen.

Kennzahlen zur Kundeninteraktion	Jährliche Daten
Durchschnittliche Kundeninteraktionszeit	24,7 Minuten
Persönliche Bankbeziehungsmanager	127 Profis
Kundenbindungsrate	87.3%

Filialbasierte Kundeninteraktionen

Community Trust Bancorp betreibt 59 physische Filialen, hauptsächlich in Kentucky.

• Durchschnittlicher täglicher Filialkundenverkehr: 342 Kunden
• Öffnungszeiten der Filiale: werktags von 8:30 bis 17:00 Uhr
• Filialen mit eingeschränktem Service am Samstag: 22 Standorte

Online- und Mobile-Banking-Unterstützung

Im Jahr 2023 bedienen digitale Banking-Plattformen 76.542 aktive Online-Banking-Nutzer.

Kennzahlen zum digitalen Banking	Daten für 2023
Mobile-Banking-Benutzer	54,321
Online-Transaktionsvolumen	1,2 Millionen monatliche Transaktionen
Bewertung mobiler Apps	4,3/5 Sterne

Community-Engagement und lokales Sponsoring

Community Trust Bancorp investierte im Jahr 2023 672.000 US-Dollar in lokale Community-Sponsoren.

• Gesponserte lokale Gemeinschaftsveranstaltungen: 87
• Bildungsstipendienprogramme: 12
• Partnerschaften mit gemeinnützigen Organisationen: 24

Maßgeschneiderte Finanzberatungsdienste

Die Bank bietet spezialisierte Finanzberatungsdienstleistungen in mehreren Segmenten an.

Kategorie „Beratungsdienstleistung“.	Anzahl der Berater	Durchschnittliches Kundenportfolio
Persönliche Vermögensverwaltung	43 Berater	2,3 Millionen US-Dollar
Unternehmensbankberatung	29 Berater	5,7 Millionen US-Dollar
Ruhestandsplanung	36 Berater	1,9 Millionen US-Dollar

Community Trust Bancorp, Inc. (CTBI) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Ab 2023 betreibt Community Trust Bancorp 73 Bankstandorte in Kentucky und Süd-Ohio.

Staat	Anzahl der Filialen
Kentucky	66
Südliches Ohio	7

Online-Banking-Plattform

Funktionen des digitalen Bankings:

• Rechnungszahlungsdienste
• Kontoübertragungen
• E-Kontoauszüge
• Sicheres Messaging

Mobile-Banking-Anwendung

Verfügbar auf iOS- und Android-Plattformen mit 45.672 aktiven Mobile-Banking-Nutzern im vierten Quartal 2023.

Mobile App-Funktion	Verfügbarkeit
Mobile Scheckeinzahlung	Ja
Kartenkontrollen	Ja
Biometrische Anmeldung	Ja

Telefon-Banking-Dienste

Automatisiertes Telefon-Banking-System rund um die Uhr mit 1-800-292-2738-Kundensupport.

ATM-Netzwerk

Insgesamt 89 Geldautomatenstandorte in allen Serviceregionen.

Details zum Geldautomatennetzwerk	Zählen
Eigene Geldautomaten	62
Gemeinsam genutzte Netzwerk-Geldautomaten	27

Community Trust Bancorp, Inc. (CTBI) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Ab 2024 betreut Community Trust Bancorp etwa 1.200 kleine und mittlere Unternehmen in Kentucky und den umliegenden Regionen. Gesamtportfolio an gewerblichen Krediten für dieses Segment: 487,3 Millionen US-Dollar.

Geschäftssegment	Anzahl der Kunden	Gesamtkreditportfolio
Einzelhandelsunternehmen	412	156,7 Millionen US-Dollar
Dienstleistungsunternehmen	358	213,5 Millionen US-Dollar
Fertigungsbetriebe	237	117,1 Millionen US-Dollar

Landwirtschaftliche und landwirtschaftliche Unternehmen

Agrarkreditportfolio: 214,6 Millionen US-Dollar, betreut 673 landwirtschaftliche Kunden in ganz Kentucky.

• Kunden im Pflanzenbau: 342
• Kunden aus der Tierhaltung: 221
• Gemischte Agrarbetriebe: 110

Privatkunden im Privatkundengeschäft

Gesamtzahl der Retail-Banking-Kunden: 87.543, Stand 4. Quartal 2023.

Kundentyp	Anzahl der Kunden	Durchschnittlicher Kontostand
Persönliche Überprüfung	52,314	$8,742
Persönliche Ersparnisse	35,229	$16,537

Kommunalverwaltung und kommunale Körperschaften

Kommunale Bankkunden: 87 Unternehmen mit einem Gesamtportfolio an Kommunalanleihen von 213,4 Millionen US-Dollar.

Vermögende Privatpersonen in der Region Kentucky

Segment Vermögensverwaltung: 1.245 vermögende Kunden mit einem verwalteten Gesamtvermögen von 624,8 Millionen US-Dollar.

Vermögensstufe	Anzahl der Kunden	Durchschnittlicher Portfoliowert
1 Mio. $ – 5 Mio. $	876	2,3 Millionen US-Dollar
5 bis 10 Millionen US-Dollar	269	6,7 Millionen US-Dollar
Über 10 Millionen US-Dollar	100	15,4 Millionen US-Dollar

Community Trust Bancorp, Inc. (CTBI) – Geschäftsmodell: Kostenstruktur

Betriebs- und Wartungskosten der Zweigstelle

Laut Jahresbericht 2023 unterhielt Community Trust Bancorp 74 Bankzentren in ganz Kentucky und den umliegenden Bundesstaaten. Die gesamten filialbezogenen Ausgaben beliefen sich auf 23,4 Millionen US-Dollar, darunter:

Ausgabenkategorie	Betrag ($)
Belegungskosten	8,750,000
Dienstprogramme	3,620,000
Wartung	4,560,000
Grundsteuern	2,350,000
Versicherung	1,420,000

Gehälter und Leistungen der Mitarbeiter

Im Jahr 2023 beliefen sich die gesamten Personalkosten für CTBI auf 89,6 Millionen US-Dollar:

• Grundgehälter: 62.400.000 $
• Krankenversicherung: 11.200.000 $
• Ruhestandsleistungen: 8.900.000 $
• Leistungsprämien: 4.700.000 $
• Lohnsteuer: 2.400.000 $

Investitionen in Technologie und digitale Infrastruktur

Die Technologieausgaben beliefen sich im Jahr 2023 auf insgesamt 12,7 Millionen US-Dollar:

Kategorie „Technologie“.	Investition ($)
Kernbankensysteme	5,600,000
Cybersicherheit	3,200,000
Digitale Banking-Plattformen	2,500,000
IT-Infrastruktur	1,400,000

Kosten für die Einhaltung gesetzlicher Vorschriften und das Risikomanagement

Die Compliance-Aufwendungen für 2023 beliefen sich auf 7,3 Millionen US-Dollar:

• Rechts- und Compliance-Mitarbeiter: 3.600.000 US-Dollar
• Externe Prüfungsgebühren: 1.900.000 US-Dollar
• Regulatorische Meldesysteme: 1.200.000 US-Dollar
• Schulung und Zertifizierung: 600.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben beliefen sich im Jahr 2023 auf 4,2 Millionen US-Dollar:

Marketingkanal	Ausgaben ($)
Digitales Marketing	1,500,000
Traditionelle Medien	1,200,000
Gemeinschaftspatenschaften	800,000
Direktmailing-Kampagnen	700,000

Community Trust Bancorp, Inc. (CTBI) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Im vierten Quartal 2023 meldete Community Trust Bancorp einen Gesamtzinsertrag von 192,4 Millionen US-Dollar. Das Kreditportfolio gliedert sich wie folgt:

Kreditkategorie	Gesamtsaldo	Zinserträge
Gewerbliche Kredite	1,2 Milliarden US-Dollar	68,3 Millionen US-Dollar
Hypothekendarlehen für Wohnimmobilien	890 Millionen Dollar	52,6 Millionen US-Dollar
Verbraucherkredite	410 Millionen Dollar	32,1 Millionen US-Dollar

Servicegebühren und Bankgebühren

Im Jahr 2023 erwirtschaftete CTBI 37,5 Millionen US-Dollar aus Servicegebühren und Bankgebühren:

• Kontoführungsgebühren: 15,2 Millionen US-Dollar
• Überziehungsgebühren: 9,8 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 6,5 Millionen US-Dollar
• Sonstige Gebühren für Bankdienstleistungen: 6 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Die Einnahmen aus Wertpapierdienstleistungen beliefen sich im Jahr 2023 auf insgesamt 22,1 Millionen US-Dollar, mit folgender Verteilung:

Servicekategorie	Einnahmen
Vermögensverwaltung	12,4 Millionen US-Dollar
Finanzberatung	6,7 Millionen US-Dollar
Maklerdienstleistungen	3 Millionen Dollar

Einnahmen aus der Treasury-Verwaltung

Treasury-Management-Dienstleistungen erwirtschafteten im Jahr 2023 16,3 Millionen US-Dollar:

• Cash-Management-Dienstleistungen: 7,6 Millionen US-Dollar
• Zahlungsabwicklung: 5,2 Millionen US-Dollar
• Liquiditätsmanagement: 3,5 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Digitale Banktransaktionen generierten im Jahr 2023 einen Umsatz von 8,7 Millionen US-Dollar:

Digitaler Service	Transaktionsgebühren
Online-Banking-Transaktionen	4,3 Millionen US-Dollar
Mobile Banking-Transaktionen	3,2 Millionen US-Dollar
Digitale Zahlungsdienste	1,2 Millionen US-Dollar

Community Trust Bancorp, Inc. (CTBI) - Canvas Business Model: Value Propositions

You're looking at the core value Community Trust Bancorp, Inc. (CTBI) offers its customers and the market, which is deeply rooted in its regional, relationship-focused approach. This isn't about chasing national scale; it's about being the essential financial partner in the specific communities they serve across eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee.

Relationship-based, traditional community banking.

The value here is personalized service that large, distant banks simply can't replicate. You get service from people who know your business or your family, which translates into a more flexible and understanding banking relationship. This focus supports their operational efficiency, evidenced by an Efficiency Ratio of 50.86% for the third quarter of 2025. That's lean management for a community-focused entity.

Comprehensive suite of commercial and personal loans.

Community Trust Bancorp, Inc. provides the full spectrum of lending products needed by small and mid-sized entities and individuals in their footprint. As of March 31, 2025, their total loans outstanding stood at $4.6 billion, showing active deployment of capital into the local economy. This loan activity, balanced against deposits, is reflected in their ratio of average loans to deposits, including repurchase agreements, which was 85.6% for the quarter ended September 30, 2025. They are actively lending.

Stability and disciplined management in regional banking.

Stability is a key proposition, backed by consistent financial performance. Management clearly prioritizes sound underwriting and cost control. Look at the profitability metrics from the third quarter of 2025:

Metric	Q3 2025 Value	YTD 2025 Value
Net Income (in thousands)	$23,911	$70,782
Diluted Earnings Per Share	$1.32	$3.92
Return on Average Assets (ROAA)	1.46%	1.50%
Return on Average Equity (ROAE)	11.53%	11.84%

Furthermore, the bank maintains a reliable dividend, declaring $0.53 per share in October 2025, which supports investor confidence in their disciplined approach. Their total assets reached $6.3 billion as of March 31, 2025.

Local decision-making and community focus.

The structure itself is a value proposition: Community Trust Bancorp, Inc. owns one commercial bank and one trust company. This structure is designed to keep credit and service decisions close to the customer, avoiding bureaucratic delays common at larger institutions. This local focus is what drives their core Community Banking Services revenue, which contributed significantly to their total revenue base, alongside the Holding Company segment.

Trust and investment advisory services.

Beyond traditional lending and deposits, Community Trust and Investment Company offers specialized wealth management. This service line shows tangible results, reporting Trust revenue of $4.28 million for the third quarter of 2025, slightly beating the consensus estimate of $4.07 million. This provides clients with integrated financial planning alongside their commercial or personal banking needs. You get a one-stop shop for managing and growing wealth within the community.

Finance: draft 13-week cash view by Friday.

Community Trust Bancorp, Inc. (CTBI) - Canvas Business Model: Customer Relationships

You're looking at how Community Trust Bancorp, Inc. keeps its customers close, balancing the traditional community bank feel with the need for modern digital access. The core of their relationship strategy seems rooted in their physical footprint and long-term commitment to shareholders, which often mirrors customer loyalty.

Dedicated, personal relationship management is evident in the structure of Community Trust Bancorp, Inc.'s operations across its footprint. While total assets stood at $6.6 billion as of September 30, 2025, the bank maintains a significant physical presence to facilitate these close ties. This suggests a strategy where relationship managers know their clients well, a key differentiator from larger, more distant institutions. It's worth noting that, as of Q3 2025, only two customer relationships accounted for more than 1% each of a reported metric, indicating a relatively diversified, though perhaps concentrated, high-value client base.

The high-touch service model at branch locations is supported by their physical network. Community Trust Bancorp, Inc. operates a substantial number of service points across its core markets. This physical network is crucial for delivering that expected personal service, especially for complex transactions or relationship building.

Community Trust Bancorp, Inc. Physical Presence (as of September 30, 2025)

Asset Base	$6.6 billion
Total Banking Locations	72 (Kentucky) + 6 (West Virginia) + 3 (Tennessee) = 81
Total Trust Offices	4 (Kentucky) + 1 (Tennessee) = 5
Total Deposits (incl. Repos)	$5.7 billion

For self-service options via digital and mobile banking, Community Trust Bancorp, Inc. operates within an industry trend where digital convenience is non-negotiable. While specific adoption rates for Community Trust Bancorp, Inc. aren't public, the broader community banking sector shows that approximately 70% of institutions had adopted some form of digital banking technology by 2025. Furthermore, nationally, a significant majority of consumers-77 percent-prefer to manage their bank accounts through a mobile app or a computer. This means Community Trust Bancorp, Inc. must offer robust digital tools to meet expectations, even while emphasizing its branch service.

The long-term customer retention focus is strongly signaled through its commitment to shareholders, which often translates to customer confidence. Mark A. Gooch, Chairman, President, and CEO, noted the company was pleased to have increased the quarterly cash dividend to $0.53 per share for the 45th consecutive year. That kind of consistency builds trust, which is the bedrock of long-term customer relationships in banking.

Regarding financial education and community engagement, the presence of five trust offices across Kentucky and Tennessee suggests a dedicated focus on wealth management and more sophisticated financial planning services for established clients. Industry-wide, surveys in 2025 indicated that over 60% of customers prefer banks offering tailored financial solutions, which necessitates the kind of deep understanding that financial education and local engagement help foster. Community Trust Bancorp, Inc. leverages its local offices to understand community needs, helping solidify relationships beyond simple transactions.

• Return on average assets (ROAA) for Q3 2025 was 1.46%.
• Return on average equity (ROE) for Q3 2025 was 11.53%.
• Net income for the nine months ended September 30, 2025, was $70,782 thousand.
• Deposit related fees for the quarter ended September 30, 2025, were $8,131 thousand.

Finance: draft 13-week cash view by Friday.

Community Trust Bancorp, Inc. (CTBI) - Canvas Business Model: Channels

You're mapping out how Community Trust Bancorp, Inc. (CTBI) gets its services to its customers across Kentucky, West Virginia, and Tennessee. The physical footprint remains a core channel, but digital access is clearly being enhanced to support that base.

The physical network is substantial for a regional player. As of late 2025, Community Trust Bank operates a total of 81 banking locations across its three-state service area. This network is the bedrock for relationship banking, especially in the smaller communities they serve.

Here is the geographic breakdown of those physical banking channels:

State	Number of Banking Locations
Kentucky	72
West Virginia	6
Tennessee	3
Total Banking Locations	81

The trust and investment arm, Community Trust and Investment Company, operates through dedicated offices, which are distinct from the main commercial bank branches. You'll find these specialized offices supporting wealth management needs.

• Trust offices across Kentucky: 4
• Trust office in Tennessee: 1
• Total Trust Offices: 5

For digital reach, Community Trust Bancorp, Inc. relies on its online and mobile presence. While specific user adoption metrics aren't public, the firm emphasizes its enhanced Personal Internet Banking platform, which supports direct actions like applying for products online. This digital channel is key for convenience, even if the core business remains relationship-focused.

Access to cash and basic transactions is managed through the ATM network. Customers get 24-hour access at Community Trust Bank Offices, certain area businesses and colleges, and through a partnership with L&N Federal Credit Union. The ATM hardware itself is seeing upgrades; for instance, they've added features like NFC (Card Tap) for faster transactions and the Bill Mix feature, allowing customers to select cash denominations during withdrawal. Here's the quick math on the ATM enhancements:

• New ATM Feature 1: NFC (Card Tap) for faster transactions.
• New ATM Feature 2: Bill Mix for dispensing cash in chosen denominations.

POS (point-of-sale) networks are integrated through the commercial banking services offered to business clients, facilitating merchant services, though specific network volume or terminal counts aren't detailed in the latest public filings.

Finance: draft 13-week cash view by Friday.

Community Trust Bancorp, Inc. (CTBI) - Canvas Business Model: Customer Segments

Community Trust Bancorp, Inc. serves its customer base across its physical footprint, which includes 72 banking locations across eastern, northeastern, central, and south central Kentucky, six banking locations in southern West Virginia, and three banking locations in northeastern Tennessee.

The deposit base, which totaled $5.7 billion as of September 30, 2025, shows a low concentration risk, indicating a broad base of individuals and smaller entities.

• As of September 30, 2025, two customers accounted for 3% each of the $5.4 billion in deposits reported at that time.
• No one customer accounted for more than 3% of deposits as of March 31, 2025, when total deposits were $5.4 billion.

The loan portfolio growth as of the third quarter of 2025 points directly to the segments driving asset expansion. You can see the quarter-over-quarter dollar changes in the loan categories below:

Customer/Loan Segment Driver	Change in Loan Balance (QoQ ending 9/30/2025)
Small to Mid-sized Businesses (Commercial Loans)	Increase of $42.3 million
Individuals and Families (Residential Loans)	Increase of $51.9 million
Individuals (Consumer Indirect Loans)	Decrease of $0.9 million
Individuals (Consumer Direct Loans)	Decrease of $1.2 million

The total loan portfolio stood at $4.8 billion as of September 30, 2025, up 10.2% from September 30, 2024.

For commercial borrowers, the mix of lending activity suggests a focus on SMEs and real estate development within the operating footprint. The loan portfolio explicitly includes commercial loans such as construction loans, loans secured by real estate, and equipment lease financing.

• The residential loan portfolio growth of $51.9 million quarter-over-quarter reflects activity in real estate mortgages and home equity loans for individuals and families.
• The commercial loan portfolio growth of $42.3 million quarter-over-quarter services small to mid-sized businesses and commercial real estate borrowers.

High-net-worth individuals are served through the trust company, Community Trust and Investment Company, which offers trust and wealth management activities. Trust revenue showed a year-over-year increase in the third quarter of 2025.

Local municipal and government entities are part of the broader customer base served by Community Trust Bank, Inc., which provides general banking services across its regional network. The bank offers services like cash management to corporate and individual customers, which would naturally extend to local government operations within its service area.

Community Trust Bancorp, Inc. (CTBI) - Canvas Business Model: Cost Structure

You're looking at the hard costs Community Trust Bancorp, Inc. incurs to keep the lights on and the lending engine running. For a regional bank, these expenses are the direct result of maintaining a physical footprint and managing a large pool of customer funds.

Interest expense paid on customer deposits is a primary cost driver, directly tied to the rates Community Trust Bancorp, Inc. pays to hold customer money. For the quarter ended September 30, 2025, the expense on interest-bearing liabilities was $33,008 thousand. This compares to $32,615 thousand for the same quarter last year. Total interest-bearing deposits and repurchase agreements stood at $4,421,751 thousand as of that date.

Noninterest expense, including salaries and benefits, saw an increase. For the quarter ended September 30, 2025, noninterest expense totaled $36.7 million. For the nine months ended September 30, 2025, this expense reached $106.6 million, which was a 9.7% increase from the prior year period. Personnel expense is a major component of this. The year-over-year increase in noninterest expense for the nine months ended September 30, 2025, included a $2.3 million increase in personnel expense. Here's a quick look at what made up that personnel cost increase:

• Increase in group medical and life insurance expense: $1.2 million
• Increase in salaries: $0.5 million
• Increase in bonuses and incentives: $0.2 million
• Increase in other employee benefits: $0.4 million

The CEO's total yearly compensation was $1.31M, comprised of 52% salary and 48% bonuses, including company stock and options.

Provision for credit losses reflects the bank setting aside funds for loans that might not get repaid. For the third quarter of 2025, Community Trust Bancorp, Inc. recorded net loan charge-offs of $2.7 million, which was an annualized 0.23% of average loans. The actual provision for credit losses recorded for the quarter rose to $3.9 million. This was an increase of $1.8 million from the prior quarter.

Occupancy and equipment costs are part of the fixed overhead for maintaining the physical presence. For the quarter ended March 31, 2025, the quarter-over-quarter increase in noninterest expense primarily resulted from an increase in net occupancy and equipment expense of $0.4 million. Community Trust Bancorp, Inc. operates over 81 total locations across Kentucky, West Virginia, and Tennessee.

Data processing and technology expenses are another key noninterest cost, essential for modern banking operations. For the nine months ended September 30, 2025, the year-over-year increase in noninterest expense included a $0.8 million increase in data processing expense. For the quarter ended September 30, 2025, data processing expense increased by $0.2 million compared to the prior quarter. Community Trust Bank uses 8 technology products and services.

To give you a clearer picture of the quarterly noninterest expense components, here's a comparison of the Q3 2025 noninterest expense versus the prior quarter, noting the components that drove the $1.1 million increase:

Expense Category	Q3 2025 Expense (in thousands)	Q2 2025 Expense (in thousands)	Quarter-over-Quarter Change (in thousands)
Total Noninterest Expense	$36,700	$35,600	$1,100
Data Processing Expense	Not explicitly stated	Not explicitly stated	$200 increase
Marketing and Promotional	Not explicitly stated	Not explicitly stated	$200 increase
Repossession Expense	Not explicitly stated	Not explicitly stated	$400 increase

Note: The total of the mentioned increases ($200k + $200k + $400k = $800k) does not equal the total $1.1 million increase, meaning other items contributed to the difference. The total noninterest expense for Q3 2025 was $36.7 million.

Community Trust Bancorp, Inc. (CTBI) - Canvas Business Model: Revenue Streams

You're looking at the core engine of Community Trust Bancorp, Inc.'s profitability, and honestly, it's what you'd expect from a well-established regional bank: interest income is the main event. The entire structure is built around the spread between what Community Trust Bancorp, Inc. earns on its assets, like loans, and what it pays out on its liabilities, like deposits. This is the Net Interest Income (NII), and it's your primary focus when analyzing Community Trust Bancorp, Inc.

For the nine months ended September 30, 2025, Community Trust Bancorp, Inc. reported a Net Interest Income of $160.9 million. That figure shows significant year-over-year strength, as it was up 17.9% compared to the prior year period. To give you a snapshot of the most recent quarter, the NII for the third quarter of 2025 hit $55.6 million, which was up 17.7% from the third quarter of 2024. That's a solid performance, reflecting strong loan demand and favorable margin dynamics, even if the sequential margin dipped slightly.

Beyond the core lending activity, Community Trust Bancorp, Inc. pulls in revenue from noninterest sources, which are fees and commissions. For the nine months ended September 30, 2025, total Noninterest Income reached $47.0 million. In the third quarter of 2025 alone, this segment brought in $15.9 million. This noninterest bucket is where you find the revenue streams from deposit-related fees, trust and wealth management services, and commissions from brokerage activities.

Here's a breakdown of how those key income components stacked up for Community Trust Bancorp, Inc. through the third quarter of 2025. This table should help you map the relative importance of each stream:

Revenue Stream Component	Q3 2025 Amount (in millions USD)	YTD 2025 Amount (in millions USD)
Net Interest Income	$55.6	$160.9
Total Noninterest Income	$15.9	$47.0
Deposit Related Fees (Q3 Variance)	Increase of $0.8 vs Q2 2025	N/A
Trust Revenue (Q1 2025 YoY Change)	N/A	Increase of $0.5 vs Q1 2024
Trust Income (TTM/YTD)	N/A	$16.31
Loan Related Fees (Q3 Variance)	Decrease of $0.4 vs Q2 2025	N/A

When you dig into the noninterest income drivers, you see the impact of fee changes and market valuations. For instance, the variance in Q3 2025 noninterest income quarter-over-quarter was driven by a few things. You saw increased deposit related fees, which is a positive sign for core banking activity, but this was partially offset by decreases in net securities gains and loan related fees, the latter often tied to the valuation of mortgage servicing rights.

To be defintely clear on the noninterest income sources, look at the specific fee categories:

• Deposit-related fees: A consistent source, though subject to fluctuation based on account activity and service charges.
• Trust and wealth management service fees: This revenue stream showed year-over-year growth in Q1 2025, indicating that Community Trust Bancorp, Inc.'s wealth management segment is expanding its fee base.
• Insurance and investment brokerage commissions: These are generally tied to transactional activity and market performance, often grouped into the 'Other Non-Interest Income' line, which was $15.98 million for the TTM ending September 2025.

If onboarding takes 14+ days, churn risk rises, but for Community Trust Bancorp, Inc., the revenue stream stability comes from the sheer volume of its loan book supporting that NII. Finance: draft 13-week cash view by Friday.