Community Trust Bank, Inc.

Headquarters: Pikeville, Kentucky
Charter: Bank
Assets: $6.9B
Fed district: Cleveland
Regulator: Federal Reserve
Holding company: Community Trust Bancorp Inc.

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 11, 2026

How these figures are measured

Call-report figures are for Community Trust Bank, Inc. at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Community Trust Bank, Inc.'s published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Community Trust Bank, Inc. (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $6.9M in Q2 2026, 4.8% above the same quarter a year earlier ($6.6M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Advantage Checking $7 · Advantage Plus Interest Checking $12
Compared at $9.50, the middle of its prices
Community Trust Bank, Inc.: $7 to $12
Community Trust Bank, Inc.: $7 to $12
U.S. median: no median
Overdraft (OD)
Community Trust Bank, Inc.: $32
Community Trust Bank, Inc.: $32
U.S. median: no median
NSF / Returned Item
Community Trust Bank, Inc.: $32
Community Trust Bank, Inc.: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 6.4% from Q3 2025 to Q2 2026, to $6.9M.

Service-charge income, Q2 2026

$6.9M

$7.3MQ3 2025

$6.8MQ4 2025

$6.4MQ1 2026

$6.9MQ2 2026

Against the median

Community Trust Bank, Inc.Median

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Community Trust Bank, Inc. · $6.9B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$6.2B to $7.7B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Community Trust Bank, Inc.(this institution)	Pikeville, KY	$6.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpine Bank	Glenwood Springs, CO	$6.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Colorado	Fort Collins, CO	$7.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cambridge Savings Bank	Cambridge, MA	$7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Pacific Bank	Honolulu, HI	$7.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Choice Financial Group	Fargo, ND	$6.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank	St. Louis, MO	$6.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of America	East Lansing, MI	$6.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Five Star Bank	Warsaw, NY	$6.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intrust Bank, National Association	Wichita, KS	$6.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Johnson Bank	Racine, WI	$7.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kearny Bank	Kearny, NJ	$7.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lake City Bank	Warsaw, IN	$7.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Mercantile Bank	Grand Rapids, MI	$6.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Needham Bank	Needham, MA	$7.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northpointe Bank	Grand Rapids, MI	$7.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ocean Bank	Miami, FL	$7.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Pathward, National Association	Sioux Falls, SD	$7.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Republic Bank & Trust Company	Louisville, KY	$7.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ridgewood Savings Bank	Ridgewood, NY	$7.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
TBK BANK, SSB	Dallas, TX	$7.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Camden National Bank	Camden, ME	$6.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Farmers National Bank of Canfield	Canfield, OH	$7.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Washington Trust Company, of Westerly	Westerly, RI	$6.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
TrustCo Bank	Glenville, NY	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Fidelity Bank, fsb	Evansville, IN	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.51 (19%) above the median of similar-sized banks.

Compared at $9.50, the middle of its two prices, against a peer median of $7.99 among 18 publishing peers.

Its two checking prices are $7 and $12.

$9.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Community Trust Bank, Inc.: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Community Trust Bank, Inc. (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $6.9M
vs prior quarter: +$449K+7.0%; from Q1 2026
vs a year earlier: +$314K+4.8%; from Q2 2025
vs start of range: −$215K−3.0%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Community Trust Bank, Inc. (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$6.9M	+$449K	+7.0%
Q1 2026	$6.4M	−$345K	−5.1%
Q4 2025	$6.8M	−$574K	−7.8%
Q3 2025	$7.3M	+$784K	+11.9%
Q2 2025	$6.6M	+$489K	+8.0%
Q1 2025	$6.1M	−$745K	−10.9%
Q4 2024	$6.8M	−$273K	−3.8%
Q3 2024	$7.1M	+$570K	+8.7%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Community Trust Bank, Inc.’s own schedules, with a source for each figure.

Account Maintenance

Advantage Checking Monthly Maintenance Fee$7
per month
Advantage Plus Interest Checking Monthly Maintenance Fee$12
per month
Dormant Account Fee per cycle$7.50
per month
Paper Statement fee$3

Overdraft & NSF

NSF/Overdraft Fee$32
Return Item Fee$32

ATM & Card

ATM Fees$1
per transaction
ATM Fees. There$1
per item
Card Replacement$5
Card replacement fee$5
per item
Expedited Card or PIN Replacement$75

Wire Transfers

Wire Transfers: Outgoing – Non-Customer Domestic$25
Wire Transfers: Incoming – Customer Domestic$10
Wire Transfers: Incoming – Non-Customer$20
Wire Transfers: Outgoing – International$60
Wire Transfers: Incoming – International$18

Check Services

Cashier’s Check$4
Bill Payment Stop Payment$20
Stop Pay Charge (Limit 6 months)$20
Stop Pay Charge (Limit 6 months)$20
Stop Payment Charge (Limit 6 months)$20
Counter Checks$0.50
per item
View Check ImagesNo charge

Digital & Electronic

ACH Origination$14.95
Bill Pay & ZelleNo charge
Bill Payment Service per month$3.95
per month

Account Services

Safe Box Drilling, No key (minimum)$125
Not compared: Box drilling or key fee
Levy, Garnishment$75

Gift & Prepaid Cards

CTB Reload Fee$2
Gift Card$3.95
Not compared: Monthly charge, not per item
per month

Other Fees

Statement Copy$3

Fee	Amount	Basis	Note
Account Maintenance
Advantage Checking Monthly Maintenance Fee	$7	per month	None
Advantage Plus Interest Checking Monthly Maintenance Fee	$12	per month	None
Dormant Account Fee per cycle	$7.50	per month	None
Paper Statement fee	$3	Not stated	None
Overdraft & NSF
NSF/Overdraft Fee	$32	Not stated	None
Return Item Fee	$32	Not stated	None
ATM & Card
ATM Fees	$1	per transaction	None
ATM Fees. There	$1	per item	None
Card Replacement	$5	Not stated	None
Card replacement fee	$5	per item	None
Expedited Card or PIN Replacement	$75	Not stated	None
Wire Transfers
Wire Transfers: Outgoing – Non-Customer Domestic	$25	Not stated	None
Wire Transfers: Incoming – Customer Domestic	$10	Not stated	None
Wire Transfers: Incoming – Non-Customer	$20	Not stated	None
Wire Transfers: Outgoing – International	$60	Not stated	None
Wire Transfers: Incoming – International	$18	Not stated	None
Check Services
Cashier’s Check	$4	Not stated	None
Bill Payment Stop Payment	$20	Not stated	None
Stop Pay Charge (Limit 6 months)	$20	Not stated	None
Stop Pay Charge (Limit 6 months)	$20	Not stated	None
Stop Payment Charge (Limit 6 months)	$20	Not stated	None
Counter Checks	$0.50	per item	None
View Check Images	No charge	Not stated	None
Digital & Electronic
ACH Origination	$14.95	Not stated	None
Bill Pay & Zelle	No charge	Not stated	None
Bill Payment Service per month	$3.95	per month	None
Account Services
Safe Box Drilling, No key (minimum)	$125Not compared: Box drilling or key fee	Not stated	None
Levy, Garnishment	$75	Not stated	None
Gift & Prepaid Cards
CTB Reload Fee	$2	Not stated	None
Gift Card	$3.95Not compared: Monthly charge, not per item	per month	None
Other Fees
Statement Copy	$3	Not stated	None

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Community Trust Bank, Inc. operates, and what regulators and customers have on file.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Get an email when Community Trust Bank, Inc.'s foreign transaction changes in our data

We check once a day and send one email covering every change.