BlastPoint's Banking Scorecard
Community Trust Bank, Inc.
Pikeville, KY
81 branches across KY · WV · TN
Community Trust Bank, Inc. has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.23% above tier average
- + Efficiency Ratio 14.11% below tier average
- + Delinquency Rate 0.47% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 27.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.7B
+7.4% YoY
+0.8% QoQ
|
+$3.9B |
$2.8B
-0.1% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
Top 8.5% in tier |
| Total Loans ? |
$4.9B
+7.6% YoY
+2.0% QoQ
|
+$3.0B |
$2.0B
+0.6% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
Top 6.9% in tier |
| Total Deposits ? |
$5.4B
+6.2% YoY
+0.9% QoQ
|
+$3.1B |
$2.3B
-0.3% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
Top 8.8% in tier |
| Return on Assets ? |
1.59%
+15.1% YoY
+5.9% QoQ
|
+0.23% |
1.37%
+19.6% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
75% |
| Net Interest Margin ? |
3.83%
+6.2% YoY
+2.8% QoQ
|
+0.01% |
3.82%
+6.9% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
46.95%
-6.0% YoY
-3.1% QoQ
|
-14.11% |
61.06%
-4.6% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
Top 13.9% in tier |
| Delinquency Rate ? |
0.42%
-27.4% YoY
+6.1% QoQ
|
-0.47% |
0.89%
+14.1% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
90.58%
+1.3% YoY
+1.1% QoQ
|
+6.38% |
84.20%
+0.3% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
23.35%
-4.1% YoY
-0.8% QoQ
|
+2.06% |
21.29%
-2.5% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.36%
-28.4% YoY
+7.4% QoQ
|
-0.31% |
0.67%
+15.6% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
57% |
| Tier 1 Capital Ratio ? |
13.42%
+0.8% YoY
+1.8% QoQ
|
-1.74% |
15.16%
+2.0% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.17%
+3.2% YoY
-75.1% QoQ
|
-0.09% |
0.26%
+1.6% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
60% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.