Community Trust Bancorp : 2026 Shareholders' Presentation
CTBI
Published on 04/28/2026 at 10:15 am EDT
Community Trust Bancorp, Inc.
Directors
CTBI Directors
Mark A Gooch, Chairman
Eugenia "Crit" Luallen, Vice Chairman David L. Baird
Ina Michelle Matthews James E. McGhee II Franky Minnifield Jefferson F. Sandlin Anthony St. Charles Chad C. Street
Lillian "Kay" Webb
CTB Directors
CTIC Directors
Executive Officers
Mark A. Gooch Chairman, President, and CEO
Richard W. Newsom CTB President
Andy D. Waters CTIC President and CEO
Kevin J. Stumbo EVP/Chief Financial Officer
Tracy A. Wesley EVP/Chief Internal Audit and Risk Officer
Mark E. Smith EVP/Chief Credit Officer
Thomas E. McCoy EVP/Operations
C. Wayne Hancock EVP/Chief Legal Officer
Billie J. Dollins EVP/Central Region President
David I. Tackett EVP/Eastern Region President
Ricky D. Sparkman EVP/South Central Region President
D. Andrew Jones EVP/Northeastern Region President
Cautionary Statement
Information provided herein by CTBI contains "forward-looking" information. CTBI cautions that any forward-looking statements made are not guarantees of future performance and that actual results may differ materially from those in the forward-looking statements. Please refer to CTBI's 2025 Annual Report on Form 10-K, Cautionary Statement Regarding Forward Looking Statements for additional information.
2025 Key Metrics
Financial data as of December 31, 2025 Deposit market share as of June 30, 2025
Central Region
Eastern Region
Northeastern Region
Loans - $1.2 billion
Loans - $1.0 billion
Loans - $0.6 billion
Deposits - $1.5 billion
Deposits - $2.2 billion
Deposits - $0.8 billion
Danville
Floyd/Knott/Johnson
Advantage Valley
Lexington
Hazard
Ashland
Mt. Sterling
Pikeville
Flemingsburg
Richmond
Tug Valley
Summersville
Versailles
Whitesburg
Winchester
South Central Region
Indirect Lending
Loans - $1.2 billion
Loans - $0.9 billion
Deposits - $1.2 billion
CTIC
Our Banking Franchise
Campbellsville Assets Under Management - $4.1 billion (including $1.1 billion CTB)
LaFollette Revenues - $23.5 million
Middlesboro
Mt. Vernon • Ashland
Williamsburg • LaFollette
Lexington
Pikeville
Versailles
Financial data as of December 31, 2025
Trust Assets Under Management & Trust Revenue
Assets in billions
Revenue in millions
$4.1
$3.6
$3.7
$3.2
$3.4
$28
$24
$20
$16
$12
$8
2021 2022 2023 2024 2025
Managed Assets Revenue
Includes CTB portfolio
2025 Performance
Goals
Results
Earnings
$88.0 - $91.6 million
$98.1 million
EPS
$4.86 - $5.06 per share
$5.44 per share
ROAA
1.41% - 1.46%
1.53%
ROAE
11.17% - 11.62%
12.07%
Assets
$6.19 - $6.57 billion
$6.68 billion
Loans
$4.53 - $4.71 billion
$4.89 billion
Deposits
$5.32 - $5.54 billion
$5.70 billion
Shareholders' equity
$797.8 - $830.3 million
$856.1 million
2025 Performance Summary
Shareholder Value
Dividends Per Share
$1.57
$1.68
$1.80
$1.86
$2.00
60%
55%
50%
45%
40%
35%
30%
2021 2022 2023 2024 2025
Dividends Per Share Dividend Payout Ratio
2025 cash dividends increased 7.5%
Dividend payout ratio for 2025 was 36.8%
Desired level between 40% and 50%
December 31, 2025 cash dividend yield was 3.75%
Cash dividend increased to $0.53 per share effective October 1, 2025
Shareholders' Equity
(in millions)
$856.1
$757.6
$698.2
$702.2
$628.0
5.5%
2021 2022 2023 2024 2025
Shareholders' equity has increased 22.6% during the past five years
5.5% compound growth rate for the past five years
Book Value Per Share
$47.26
$41.95
$39.13
$39.01
$35.05
Tangible Common Equity/Assets
11.82%
11.94%
11.16%
11.29%
10.58%
2021 2022 2023 2024 2025
2021 2022 2023 2024 2025
5 Year Cumulative Total Return
Comparison of CTBI, NASDAQ Stock Market (U.S.), and NASDAQ Bank Stocks
Community Trust Bancorp, Inc. NASDAQ Stock Market (U.S.) NASDAQ Bank Stocks
$300
$200
$100
$0
2020
2021
2022
2023
2024
2025
An investment in CTBI stock on December 31, 2020 would have underperformed the NASDAQ Stock Market (U.S.) and the NASDAQ Bank Stocks Index at December 31, 2025.
Comparison to Russell 2000 Index
of Small Cap Companies
December 31, 2025
12.81%
13.73%
12.04%
10.31%
10.61%
9.62%
7.55%
6.09%
1-Year 3-Year 5-Year 10-Year
CTBI Russell 2000
Core Value Long-Term Investment
273 institutional investors (including CTIC - 10.9%) hold 11.8 million shares (62.7%)
316 mutual funds hold 5.5 million shares (30.5%)
Data as of December 31, 2025
CTBI's Franchise Value
History of solid investor returns
Historically strong capital position
Investor focused dividend policy
Dividend Achievers Index
Consistent financial performance
Community banking strategy
Economic diversity in the markets we serve
Strong experienced management team and nearly 1,000 dedicated employees
Our shareholders
Balance Sheet Review
Total Assets
(in billions)
$6.68
$6.19
$5.42
$5.38
$5.77
2021 2022 2023 2024 2025
Total assets at 12/31/25 increased $490.9 million, or 7.9%, from 12/31/24
Loans increased $408.3 million or 9.1%
Investment portfolio increased $65.4 million or 6.2%
Deposits, including repurchase agreements, increased $387.5 million or 7.3%
Total Loans
(in billions)
Loan Portfolio Mix
December 31, 2025
$4.49
$4.89
$4.05
$3.41
$3.71
Consumer Indirect 18%
Consumer
Direct 3%
Comm R/E 42%
R/E Mortgage 28%
Comm Other 9%
2021 2022 2023 2024 2025
Total loans at 12/31/25 increased 9.1% from 12/31/24
Loan and line of credit production for the year totaled $1.1 billion
December 31, 2025
Variable 20%
Adjustable 53%
Fixed 27%
20
Disclaimer
Community Trust Bancorp Inc. published this content on April 28, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on April 28, 2026 at 14:14 UTC.