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Concentrations of Credit Risk | 12 Months Ended
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Dec. 31, 2024
Concentrations of Credit Risk [Abstract] |
Concentrations of Credit Risk | 18. Concentrations of Credit Risk CTBI’s banking activities include granting commercial, residential, and consumer loans to customers primarily located in eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee. CTBI is continuing to manage all components of its portfolio mix in a manner to reduce risk from changes in economic conditions. Concentrations of credit, as defined for regulatory purposes, are reviewed quarterly by management to ensure that internally established limits based on Tier 1 Capital plus the ACL are not exceeded. On December 31, 2024, and December 31, 2023, our concentrations of hospitality industry credits were 64% and 62% of Tier 1 Capital plus the ACL, respectively. Lessors of residential buildings and dwellings were 51% and 46% for each period end, respectively, and lessors of non-residential buildings credits were 32% and 35% for each period end, respectively. These percentages are within our internally established limits regarding concentrations of credit.

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- Definition The entire disclosure for any concentrations existing at the date of the financial statements that make an entity vulnerable to a reasonably possible, near-term, severe impact. This disclosure informs financial statement users about the general nature of the risk associated with the concentration, and may indicate the percentage of concentration risk as of the balance sheet date. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 275 -Name Accounting Standards Codification -Publisher FASB -URI https://asc.fasb.org/275/tableOfContent + Details
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