BlastPoint's Banking Scorecard
Community Trust Bank, Inc.
Mid-Market
Specialty: Commercial
KY
FDIC cert 2720
Pikeville, KY
201
banks in Mid-Market tier nationally
3 in KY
View Mid-Market leaderboard (KY) →
Community Trust Bank, Inc. faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 18% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.6B
+7.9% YoY
+0.7% QoQ
|
-$3.8B |
$10.5B
+2.9% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$4.8B
+9.1% YoY
+2.1% QoQ
|
-$2.3B |
$7.1B
+4.5% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$5.4B
+6.2% YoY
+0.1% QoQ
|
-$3.1B |
$8.5B
+3.0% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
1.50%
+9.1% YoY
+3.3% QoQ
|
+0.34% |
1.16%
+9.4% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
3.72%
+7.2% YoY
+1.0% QoQ
|
+0.33% |
3.40%
+7.9% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
48.45%
-4.7% YoY
-1.7% QoQ
|
-8.16% |
56.60%
-3.2% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.40%
-34.2% YoY
-24.0% QoQ
|
-0.29% |
0.68%
+12.0% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
89.61%
+2.7% YoY
+2.0% QoQ
|
+4.14% |
85.47%
+1.1% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
23.53%
-4.6% YoY
+1.1% QoQ
|
+2.90% |
20.64%
-0.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.33%
-32.1% YoY
-25.3% QoQ
|
-0.16% |
0.50%
+7.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? | 0.00% | -13.55% |
13.55%
+1.8% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
Bottom 1% in tier |
| Non-Interest Income / Assets ? |
0.67%
-9.0% YoY
+34.1% QoQ
|
-0.28% |
0.96%
+7.1% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#10 of 51 · Bottom 18% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
79
79th pctile
Efficiency Ratio
Current: 48.45% · Tier avg: 56.60%
75
75th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.16%
68
68th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.68%
63
63th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.40%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 23.53% · Tier avg: 20.64%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
52
52th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.96%
41
41th pctile
Loan-to-Deposit Ratio
Current: 89.61% · Tier avg: 85.47%
34
34th pctile
Total Loans
Current: $4.8B · Tier avg: $7.1B
28
28th pctile
Total Deposits
Current: $5.4B · Tier avg: $8.5B
27
27th pctile
Total Assets
Current: $6.6B · Tier avg: $10.5B
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
Top Weaknesses
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
27
27th pctile
Total Assets
Current: $6.6B · Tier avg: $10.5B
28
28th pctile
Total Deposits
Current: $5.4B · Tier avg: $8.5B
34
34th pctile
Total Loans
Current: $4.8B · Tier avg: $7.1B
41
41th pctile
Loan-to-Deposit Ratio
Current: 89.61% · Tier avg: 85.47%
52
52th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.96%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 23.53% · Tier avg: 20.64%
63
63th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.40%
68
68th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.68%
75
75th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.16%
79
79th pctile
Efficiency Ratio
Current: 48.45% · Tier avg: 56.60%