Compared with Kentucky
9 of 20
compared fees are above the median.
8 below, 3 about the same.
About the same: within 1% of the median.
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
98th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Kentucky median
of 20 compared; 8 below, 3 about the same
See the feesFee schedule read Oct 11, 2026
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) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Kentucky median | Published fees above the Kentucky 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
Service charges were 9.4% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (98th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
9 of 20 compared published fees sit above the Kentucky median; 8 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Kentucky medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Advantage Checking $7 · Advantage Plus Interest Checking $12
Compared at $9.50, the middle of its prices
Overdraft (OD)
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.
Service-charge income fell 6.4% from Q3 2025 to Q2 2026, to $6.9M. Its share of revenue, 9.4%, is above the 2.2% median for banks with $1B to $10B in assets.
$6.9M
Community Trust Bank, Inc.Median
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $7 to $12; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Community Trust Bank, Inc. (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Community Trust Bank, Inc. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Community Trust Bank, Inc. by share.
Amounts from Community Trust Bank, Inc.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per transaction
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Advantage Checking Monthly Maintenance Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Advantage Plus Interest Checking Monthly Maintenance Fee | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee per cycle | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Paper Statement fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF/Overdraft Fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Return Item Fee | $32Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Fees | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| ATM Fees. There | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card replacement fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Expedited Card or PIN Replacement | $75Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing – Non-Customer Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Incoming – Customer Domestic | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: Incoming – Non-Customer | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: Outgoing – International | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers: Incoming – International | $18Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Bill Payment Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Pay Charge (Limit 6 months) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Pay Charge (Limit 6 months) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Charge (Limit 6 months) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| View Check Images | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination | $14.95Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Bill Pay & Zelle | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Payment Service per month | $3.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Account Services | |||
| Safe Box Drilling, No key (minimum) | $125Not compared: Box drilling or key fee | Not stated | None |
| Levy, Garnishment | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| CTB Reload Fee | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Gift Card | $3.95Not compared: Monthly charge, not per item | per month | None |
Other Fees | |||
| Statement Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
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.
Where Community Trust Bank, Inc. operates, and what regulators and customers have on file.
Branch footprint
78 offices in 3 states, $5.7B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 57 | $4.1B |
| 11 | $926.7M | |
| 5 | $381.0M | |
| 3 | $223.4M | |
| 1 | $14.2M | |
| 1 | $13.2M |
Lexington-Fayette, KY
5.8% of bank deposits, #6 of 36, up 0.9 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Central Bank & Trust Co. | 14.9% |
| JPMorgan Chase Bank, National Association | 12.8% |
| Fifth Third Bank, National Association | 11.4% |
| Traditional Bank, Inc. | 8.3% |
| PNC Bank, National Association | 7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Lexington-Fayette, KY, Community Trust Bank, Inc. holds 5.8% of bank deposits, #6 of 36, with 11 offices.
202 offices of 48 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 36 institutions shown. $16.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 5.8% share, 11 offices, #6 of 36
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
33 offices of 13 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
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 1, 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
We check once a day and send one email covering every change.