Community Trust Bancorp, Inc.

Frequently Asked Questions About CTBI

What does CTBI invest in?

Community Trust Bancorp, Inc. (CTBI) serves as the parent entity for Community Trust Bank, Inc., providing a full spectrum of commercial and personal banking and financial services primarily to individuals and businesses in small and mid-sized communities. The institution offers a diverse array of deposit accounts, including standard checking and savings accounts, time deposits, certificates of deposit, individual retirement accounts (IRAs), Keogh plans, and money market accounts. Its extensive lending portfolio encompasses various financing solutions such as commercial, construction, mortgage, and personal loans. It also offers lease-financing, both revolving and term lines of credit, specialized funding like asset-based financing, loans for residential and commercial real estate, and consumer credit products. Beyond core banking, CTBI delivers additional services such as cash management, safe deposit box rentals, funds transfer capabilities, and the issuance of letters of credit. The company also undertakes significant fiduciary responsibilities, acting as a trustee for personal and employee benefit trusts, an executor for estates, a paying agent for bond and stock issuances, and an investment agent and depositor for securities. Further diversifying its offerings, Community Trust provides securities brokerage, comprehensive trust and wealth management services, debit cards, annuity and life insurance products, and repurchase agreements. Modern digital conveniences like mobile and internet banking, along with e-statements, are also available to customers. Geographically, CTBI maintains a substantial operational footprint with 79 banking branches situated across eastern, northeastern, central, and south-central Kentucky, as well as southern West Virginia and northeastern Tennessee. Complementing its branch network are four dedicated trust offices within Kentucky and one in northeastern Tennessee. Community Trust Bancorp, Inc. was established in 1903 and is headquartered in Pikeville, Kentucky.

What is the expense ratio of CTBI?

An expense ratio for Community Trust Bancorp, Inc. (CTBI) is not available from our data sources — neither our market-data feed nor the SEC's structured prospectus and annual-report datasets report one for this share class. The fund's prospectus on the issuer's site carries the authoritative fee.

What is CTBI's dividend yield?

CTBI's trailing-twelve-month yield is 2.84%, calculated from the sum of dividends over the past year divided by the current price.

What is the duration of CTBI?

Effective duration measures CTBI's sensitivity to interest-rate changes — a duration of 6 means a 1% rate move shifts NAV by roughly 6% in the opposite direction. CTBI's current duration is published on the fund's factsheet on the issuer's website.

What is the credit quality of CTBI?

CTBI's credit quality breakdown — the share of holdings rated AAA through CCC and below — is published on the fund's factsheet. Higher-quality (investment-grade) funds yield less but carry less default risk than high-yield / junk bond funds.

What is the yield to maturity of CTBI?

Yield to maturity (YTM) is the total return you'd earn from CTBI if every bond in the portfolio is held to maturity at the current price. CTBI's YTM is published on the fund's factsheet on the issuer's website — it differs from the trailing-12-month yield because YTM reflects current bond prices rather than historical income paid.