Community Trust Bancorp (CTBI) is a bank holding company based in Pikeville, Kentucky that operates community banking through its main subsidiary, Community Trust Bank. CTBI serves individuals and businesses in small and mid-sized communities across eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee. CTBI offers a standard suite of banking products including commercial, construction, mortgage, and personal loans, as well as time and demand deposits, cash management, letters of credit, and funds transfer services. CTBI also operates Community Trust and Investment Company, a trust subsidiary that provides wealth management, trust administration, estate execution, brokerage, and insurance services, and manages $4.1B in trust assets. CTBI's core earnings model is the classic community bank spread: taking in deposits and lending that money out at higher interest rates, earning a net interest margin. Fee income from trust, wealth management, and brokerage services provides some diversification beyond that spread. Key earnings drivers include loan volume and mix, deposit costs, and credit quality — the latter of which is closely tied to local economic conditions, including the energy sector in eastern Kentucky. CTBI has $6.7B in total assets and $5.7B in total deposits, and serves its customers through a branch network and digital banking channels.