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Loans (Tables) | 9 Months Ended
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Sep. 30, 2025
Loans [Abstract] |
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans | Major classifications of loans, net of unearned income, deferred loan origination costs and fees, and net premiums on acquired loans, are summarized as follows:
September 30, 2025 (in thousands) |  | Gross Loans |  |  | Unearned Fees/Costs |  |  | Unearned Premiums |  |  | Net Loans |
Hotel/motel |  | $ | 483,833 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 483,833 |
Commercial real estate residential |  |  | 573,270 |  |  |  | 0 |  |  |  | 0 |  |  |  | 573,270 |
Commercial real estate nonresidential |  |  | 925,672 |  |  |  | (3,990 | ) |  |  | 0 |  |  |  | 921,682 |
Dealer floorplans |  |  | 73,842 |  |  |  | 0 |  |  |  | 0 |  |  |  | 73,842 |
Commercial other |  |  | 370,877 |  |  |  | (7 | ) |  |  | 1,413 |  |  |  | 372,283 |
Commercial loans |  |  | 2,427,494 |  |  |  | (3,997 | ) |  |  | 1,413 |  |  |  | 2,424,910 |
Real estate mortgage |  |  | 1,152,875 |  |  |  | 4,665 |  |  |  | 0 |  |  |  | 1,157,540 |
Home equity lines |  |  | 184,189 |  |  |  | 2 |  |  |  | 0 |  |  |  | 184,191 |
Residential loans |  |  | 1,337,064 |  |  |  | 4,667 |  |  |  | 0 |  |  |  | 1,341,731 |
Consumer direct |  |  | 149,719 |  |  |  | 0 |  |  |  | 0 |  |  |  | 149,719 |
Consumer indirect |  |  | 843,950 |  |  |  | 537 |  |  |  | 33,068 |  |  |  | 877,555 |
Consumer loans |  |  | 993,669 |  |  |  | 537 |  |  |  | 33,068 |  |  |  | 1,027,274 |
Loans and lease financing |  | $ | 4,758,227 |  |  | $ | 1,207 |  |  | $ | 34,481 |  |  | $ | 4,793,915 |
December 31, 2024 (in thousands) |  | Gross Loans |  |  | Unearned Fees/Costs |  |  | Unearned Premiums |  |  | Net Loans |
Hotel/motel |  | $ | 458,832 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 458,832 |
Commercial real estate residential |  |  | 508,310 |  |  |  | 0 |  |  |  | 0 |  |  |  | 508,310 |
Commercial real estate nonresidential |  |  | 868,993 |  |  |  | (3,962 | ) |  |  | 0 |  |  |  | 865,031 |
Dealer floorplans |  |  | 84,956 |  |  |  | 0 |  |  |  | 0 |  |  |  | 84,956 |
Commercial other |  |  | 355,568 |  |  |  | (18 | ) |  |  | 0 |  |  |  | 355,550 |
Commercial loans |  |  | 2,276,659 |  |  |  | (3,980 | ) |  |  | 0 |  |  |  | 2,272,679 |
Real estate mortgage |  |  | 1,039,777 |  |  |  | 3,624 |  |  |  | 0 |  |  |  | 1,043,401 |
Home equity lines |  |  | 167,425 |  |  |  | 0 |  |  |  | 0 |  |  |  | 167,425 |
Residential loans |  |  | 1,207,202 |  |  |  | 3,624 |  |  |  | 0 |  |  |  | 1,210,826 |
Consumer direct |  |  | 152,843 |  |  |  | 0 |  |  |  | 0 |  |  |  | 152,843 |
Consumer indirect |  |  | 817,893 |  |  |  | 357 |  |  |  | 32,039 |  |  |  | 850,289 |
Consumer loans |  |  | 970,736 |  |  |  | 357 |  |  |  | 32,039 |  |  |  | 1,003,132 |
Loans and lease financing |  | $ | 4,454,597 |  |  | $ | 1 |  |  | $ | 32,039 |  |  | $ | 4,486,637 |
Balance in ACL | The following tables present the balance in the ACL for loans for the three and nine months ended September 30, 2025 and September 30, 2024.
|  | Three Months Ended September 30, 2025 |
(in thousands) |  | Beginning Balance |  |  | Provision Charged to Expense |  |  | Losses Charged Off |  |  | Recoveries |  |  | Ending Balance |
ACL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hotel/motel |  | $ | 5,604 |  |  | $ | 20 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 5,624 |
Commercial real estate residential |  |  | 6,480 |  |  |  | 60 |  |  |  | (65 | ) |  |  | 5 |  |  |  | 6,480 |
Commercial real estate nonresidential |  |  | 11,457 |  |  |  | 1,905 |  |  |  | (1,000 | ) |  |  | 3 |  |  |  | 12,365 |
Dealer floorplans |  |  | 507 |  |  |  | 107 |  |  |  | 0 |  |  |  | 0 |  |  |  | 614 |
Commercial other |  |  | 3,711 |  |  |  | (98 | ) |  |  | (191 | ) |  |  | 79 |  |  |  | 3,501 |
Real estate mortgage |  |  | 12,953 |  |  |  | 726 |  |  |  | (162 | ) |  |  | 8 |  |  |  | 13,525 |
Home equity |  |  | 1,604 |  |  |  | 17 |  |  |  | 0 |  |  |  | 2 |  |  |  | 1,623 |
Consumer direct |  |  | 2,131 |  |  |  | 115 |  |  |  | (313 | ) |  |  | 119 |  |  |  | 2,052 |
Consumer indirect |  |  | 13,378 |  |  |  | 1,206 |  |  |  | (2,293 | ) |  |  | 1,060 |  |  |  | 13,351 |
Total ACL |  | $ | 57,825 |  |  | $ | 4,058 |  |  | $ | (4,024 | ) |  | $ | 1,276 |  |  | $ | 59,135 |
|  | Nine Months Ended September 30, 2025 |
(in thousands) |  | Beginning Balance |  |  | Provision Charged to Expense |  |  | Losses Charged Off |  |  | Recoveries |  |  | Ending Balance |
ACL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hotel/motel |  | $ | 5,208 |  |  | $ | 416 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 5,624 |
Commercial real estate residential |  |  | 5,467 |  |  |  | 1,122 |  |  |  | (124 | ) |  |  | 15 |  |  |  | 6,480 |
Commercial real estate nonresidential |  |  | 10,307 |  |  |  | 3,049 |  |  |  | (1,002 | ) |  |  | 11 |  |  |  | 12,365 |
Dealer floorplans |  |  | 682 |  |  |  | (68 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 614 |
Commercial other |  |  | 3,832 |  |  |  | 550 |  |  |  | (1,146 | ) |  |  | 265 |  |  |  | 3,501 |
Real estate mortgage |  |  | 12,504 |  |  |  | 1,240 |  |  |  | (242 | ) |  |  | 23 |  |  |  | 13,525 |
Home equity |  |  | 1,499 |  |  |  | 116 |  |  |  | (7 | ) |  |  | 15 |  |  |  | 1,623 |
Consumer direct |  |  | 2,221 |  |  |  | 312 |  |  |  | (780 | ) |  |  | 299 |  |  |  | 2,052 |
Consumer indirect |  |  | 13,248 |  |  |  | 3,106 |  |  |  | (5,973 | ) |  |  | 2,970 |  |  |  | 13,351 |
Total ACL |  | $ | 54,968 |  |  | $ | 9,843 |  |  | $ | (9,274 | ) |  | $ | 3,598 |  |  | $ | 59,135 |
|  | Three Months Ended September 30, 2024 |
(in thousands) |  | Beginning Balance |  |  | Provision Charged to Expense |  |  | Losses Charged Off |  |  | Recoveries |  |  | Ending Balance |
ACL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hotel/motel |  | $ | 4,447 |  |  | $ | 581 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 5,028 |
Commercial real estate residential |  |  | 4,349 |  |  |  | 139 |  |  |  | 0 |  |  |  | 5 |  |  |  | 4,493 |
Commercial real estate nonresidential |  |  | 8,706 |  |  |  | 388 |  |  |  | 0 |  |  |  | 6 |  |  |  | 9,100 |
Dealer floorplans |  |  | 561 |  |  |  | 78 |  |  |  | 0 |  |  |  | 0 |  |  |  | 639 |
Commercial other |  |  | 3,385 |  |  |  | 53 |  |  |  | (278 | ) |  |  | 228 |  |  |  | 3,388 |
Real estate mortgage |  |  | 11,840 |  |  |  | 651 |  |  |  | (37 | ) |  |  | 6 |  |  |  | 12,460 |
Home equity |  |  | 1,318 |  |  |  | 63 |  |  |  | (40 | ) |  |  | 5 |  |  |  | 1,346 |
Consumer direct |  |  | 3,604 |  |  |  | 65 |  |  |  | (249 | ) |  |  | 43 |  |  |  | 3,463 |
Consumer indirect |  |  | 13,938 |  |  |  | 718 |  |  |  | (2,132 | ) |  |  | 919 |  |  |  | 13,443 |
Total ACL |  | $ | 52,148 |  |  | $ | 2,736 |  |  | $ | (2,736 | ) |  | $ | 1,212 |  |  | $ | 53,360 |
|  | Nine Months Ended September 30, 2024 |
(in thousands) |  | Beginning Balance |  |  | Provision Charged to Expense |  |  | Losses Charged Off |  |  | Recoveries |  |  | Ending Balance |
ACL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hotel/motel |  | $ | 4,592 |  |  | $ | 436 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 5,028 |
Commercial real estate residential |  |  | 4,285 |  |  |  | 189 |  |  |  | 0 |  |  |  | 19 |  |  |  | 4,493 |
Commercial real estate nonresidential |  |  | 7,560 |  |  |  | 1,481 |  |  |  | 0 |  |  |  | 59 |  |  |  | 9,100 |
Dealer floorplans |  |  | 659 |  |  |  | (20 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 639 |
Commercial other |  |  | 3,760 |  |  |  | 316 |  |  |  | (1,124 | ) |  |  | 436 |  |  |  | 3,388 |
Real estate mortgage |  |  | 10,197 |  |  |  | 2,327 |  |  |  | (88 | ) |  |  | 24 |  |  |  | 12,460 |
Home equity |  |  | 1,367 |  |  |  | 6 |  |  |  | (40 | ) |  |  | 13 |  |  |  | 1,346 |
Consumer direct |  |  | 3,261 |  |  |  | 999 |  |  |  | (971 | ) |  |  | 174 |  |  |  | 3,463 |
Consumer indirect |  |  | 13,862 |  |  |  | 2,630 |  |  |  | (6,016 | ) |  |  | 2,967 |  |  |  | 13,443 |
Total ACL |  | $ | 49,543 |  |  | $ | 8,364 |  |  | $ | (8,239 | ) |  | $ | 3,692 |  |  | $ | 53,360 |
Nonaccrual Loans and Accruing Loans 90 Days Past Due Segregated by Loan Segment | Nonaccrual loans and loans 90 days past due and still accruing, segregated by loan segment, as of September 30, 2025 and December 31, 2024 were as follows:
|  | September 30, 2025 |
(in thousands) |  | Nonaccrual Loans with No ACL |  |  | Nonaccrual Loans with ACL |  |  | 90+ and Still Accruing |  |  | Total Nonperforming Loans |
Commercial real estate residential |  | $ | 0 |  |  | $ | 1,026 |  |  | $ | 2,276 |  |  | $ | 3,302 |
Commercial real estate nonresidential |  |  | 0 |  |  |  | 10,593 |  |  |  | 739 |  |  |  | 11,332 |
Commercial other |  |  | 37 |  |  |  | 714 |  |  |  | 508 |  |  |  | 1,259 |
Total commercial loans |  |  | 37 |  |  |  | 12,333 |  |  |  | 3,523 |  |  |  | 15,893 |
Real estate mortgage |  |  | 0 |  |  |  | 2,999 |  |  |  | 4,416 |  |  |  | 7,415 |
Home equity lines |  |  | 0 |  |  |  | 278 |  |  |  | 451 |  |  |  | 729 |
Total residential loans |  |  | 0 |  |  |  | 3,277 |  |  |  | 4,867 |  |  |  | 8,144 |
Consumer direct |  |  | 0 |  |  |  | 0 |  |  |  | 35 |  |  |  | 35 |
Consumer indirect |  |  | 0 |  |  |  | 0 |  |  |  | 615 |  |  |  | 615 |
Total consumer loans |  |  | 0 |  |  |  | 0 |  |  |  | 650 |  |  |  | 650 |
Loans and lease financing |  | $ | 37 |  |  | $ | 15,610 |  |  | $ | 9,040 |  |  | $ | 24,687 |
|  | December 31, 2024 |
(in thousands) |  | Nonaccrual Loans with No ACL |  |  | Nonaccrual Loans with ACL |  |  | 90+ and Still Accruing |  |  | Total Nonperforming Loans |
Commercial real estate residential |  | $ | 0 |  |  | $ | 1,248 |  |  | $ | 369 |  |  | $ | 1,617 |
Commercial real estate nonresidential |  |  | 8,000 |  |  |  | 1,641 |  |  |  | 3,513 |  |  |  | 13,154 |
Commercial other |  |  | 246 |  |  |  | 1,106 |  |  |  | 64 |  |  |  | 1,416 |
Total commercial loans |  |  | 8,246 |  |  |  | 3,995 |  |  |  | 3,946 |  |  |  | 16,187 |
Real estate mortgage |  |  | 0 |  |  |  | 3,748 |  |  |  | 5,072 |  |  |  | 8,820 |
Home equity lines |  |  | 0 |  |  |  | 204 |  |  |  | 444 |  |  |  | 648 |
Total residential loans |  |  | 0 |  |  |  | 3,952 |  |  |  | 5,516 |  |  |  | 9,468 |
Consumer direct |  |  | 0 |  |  |  | 176 |  |  |  | 93 |  |  |  | 269 |
Consumer indirect |  |  | 0 |  |  |  | 0 |  |  |  | 762 |  |  |  | 762 |
Total consumer loans |  |  | 0 |  |  |  | 176 |  |  |  | 855 |  |  |  | 1,031 |
Loans and lease financing |  | $ | 8,246 |  |  | $ | 8,123 |  |  | $ | 10,317 |  |  | $ | 26,686 |
Bank's Loan Portfolio Aging Analysis, Segregated by Loan Segment | The following tables present CTBI’s loan portfolio aging analysis, segregated by loan segment, as of September 30, 2025 and December 31, 2024 (includes loans 90 days past due and still accruing as well):
|  | September 30, 2025 |
(in thousands) |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90+ Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Loans |
Hotel/motel |  | $ | 116 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 116 |  |  | $ | 483,717 |  |  | $ | 483,833 |
Commercial real estate residential |  |  | 169 |  |  |  | 63 |  |  |  | 2,700 |  |  |  | 2,932 |  |  |  | 570,338 |  |  |  | 573,270 |
Commercial real estate nonresidential |  |  | 2,563 |  |  |  | 85 |  |  |  | 11,085 |  |  |  | 13,733 |  |  |  | 907,949 |  |  |  | 921,682 |
Dealer floorplans |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 73,842 |  |  |  | 73,842 |
Commercial other |  |  | 1,758 |  |  |  | 114 |  |  |  | 983 |  |  |  | 2,855 |  |  |  | 369,428 |  |  |  | 372,283 |
Total commercial loans |  |  | 4,606 |  |  |  | 262 |  |  |  | 14,768 |  |  |  | 19,636 |  |  |  | 2,405,274 |  |  |  | 2,424,910 |
Real estate mortgage |  |  | 1,092 |  |  |  | 4,773 |  |  |  | 6,404 |  |  |  | 12,269 |  |  |  | 1,145,271 |  |  |  | 1,157,540 |
Home equity lines |  |  | 1,770 |  |  |  | 648 |  |  |  | 508 |  |  |  | 2,926 |  |  |  | 181,265 |  |  |  | 184,191 |
Total residential loans |  |  | 2,862 |  |  |  | 5,421 |  |  |  | 6,912 |  |  |  | 15,195 |  |  |  | 1,326,536 |  |  |  | 1,341,731 |
Consumer direct |  |  | 943 |  |  |  | 142 |  |  |  | 35 |  |  |  | 1,120 |  |  |  | 148,599 |  |  |  | 149,719 |
Consumer indirect |  |  | 3,826 |  |  |  | 1,111 |  |  |  | 615 |  |  |  | 5,552 |  |  |  | 872,003 |  |  |  | 877,555 |
Total consumer loans |  |  | 4,769 |  |  |  | 1,253 |  |  |  | 650 |  |  |  | 6,672 |  |  |  | 1,020,602 |  |  |  | 1,027,274 |
Loans and lease financing |  | $ | 12,237 |  |  | $ | 6,936 |  |  | $ | 22,330 |  |  | $ | 41,503 |  |  | $ | 4,752,412 |  |  | $ | 4,793,915 |
|  | December 31, 2024 |
(in thousands) |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90+ Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Loans |
Hotel/motel |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 458,832 |  |  | $ | 458,832 |
Commercial real estate residential |  |  | 575 |  |  |  | 444 |  |  |  | 828 |  |  |  | 1,847 |  |  |  | 506,463 |  |  |  | 508,310 |
Commercial real estate nonresidential |  |  | 1,349 |  |  |  | 118 |  |  |  | 12,890 |  |  |  | 14,357 |  |  |  | 850,674 |  |  |  | 865,031 |
Dealer floorplans |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 84,956 |  |  |  | 84,956 |
Commercial other |  |  | 1,033 |  |  |  | 595 |  |  |  | 1,018 |  |  |  | 2,646 |  |  |  | 352,904 |  |  |  | 355,550 |
Total commercial loans |  |  | 2,957 |  |  |  | 1,157 |  |  |  | 14,736 |  |  |  | 18,850 |  |  |  | 2,253,829 |  |  |  | 2,272,679 |
Real estate mortgage |  |  | 654 |  |  |  | 3,304 |  |  |  | 7,998 |  |  |  | 11,956 |  |  |  | 1,031,445 |  |  |  | 1,043,401 |
Home equity lines |  |  | 1,919 |  |  |  | 348 |  |  |  | 613 |  |  |  | 2,880 |  |  |  | 164,545 |  |  |  | 167,425 |
Total residential loans |  |  | 2,573 |  |  |  | 3,652 |  |  |  | 8,611 |  |  |  | 14,836 |  |  |  | 1,195,990 |  |  |  | 1,210,826 |
Consumer direct |  |  | 876 |  |  |  | 107 |  |  |  | 268 |  |  |  | 1,251 |  |  |  | 151,592 |  |  |  | 152,843 |
Consumer indirect |  |  | 4,872 |  |  |  | 1,096 |  |  |  | 762 |  |  |  | 6,730 |  |  |  | 843,559 |  |  |  | 850,289 |
Total consumer loans |  |  | 5,748 |  |  |  | 1,203 |  |  |  | 1,030 |  |  |  | 7,981 |  |  |  | 995,151 |  |  |  | 1,003,132 |
Loans and lease financing |  | $ | 11,278 |  |  | $ | 6,012 |  |  | $ | 24,377 |  |  | $ | 41,667 |  |  | $ | 4,444,970 |  |  | $ | 4,486,637 |
Credit Risk Profile of the Bank's Commercial Loan Portfolio Based on Rating Category and Payment Activity, Segregated by Loan Segment | The following tables present the credit risk profile of CTBI’s commercial loan portfolio based on rating category and payment activity, segregated by loan segment and based on last credit decision or year of origination:
Term Loans Amortized Cost Basis by Origination Year As of September 30, 2025 |
(in thousands) |  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Hotel/motel |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 47,354 |  |  | $ | 59,134 |  |  | $ | 87,543 |  |  | $ | 133,316 |  |  | $ | 26,458 |  |  | $ | 88,057 |  |  | $ | 5,619 |  |  | $ | 447,481 |
Watch |  |  | 0 |  |  |  | 0 |  |  |  | 2,023 |  |  |  | 12,000 |  |  |  | 6,441 |  |  |  | 11,164 |  |  |  | 0 |  |  |  | 31,628 |
OAEM |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Substandard |  |  | 0 |  |  |  | 834 |  |  |  | 0 |  |  |  | 3,890 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4,724 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total hotel/motel |  |  | 47,354 |  |  |  | 59,968 |  |  |  | 89,566 |  |  |  | 149,206 |  |  |  | 32,899 |  |  |  | 99,221 |  |  |  | 5,619 |  |  |  | 483,833 |
Hotel/motel year-to-date gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial real estate residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 148,046 |  |  |  | 105,457 |  |  |  | 90,426 |  |  |  | 71,601 |  |  |  | 53,699 |  |  |  | 48,050 |  |  |  | 23,271 |  |  |  | 540,550 |
Watch |  |  | 8,780 |  |  |  | 942 |  |  |  | 3,281 |  |  |  | 1,375 |  |  |  | 3,586 |  |  |  | 5,577 |  |  |  | 221 |  |  |  | 23,762 |
OAEM |  |  | 0 |  |  |  | 0 |  |  |  | 193 |  |  |  | 0 |  |  |  | 0 |  |  |  | 53 |  |  |  | 0 |  |  |  | 246 |
Substandard |  |  | 2,061 |  |  |  | 510 |  |  |  | 357 |  |  |  | 505 |  |  |  | 1,837 |  |  |  | 3,393 |  |  |  | 49 |  |  |  | 8,712 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial real estate residential |  |  | 158,887 |  |  |  | 106,909 |  |  |  | 94,257 |  |  |  | 73,481 |  |  |  | 59,122 |  |  |  | 57,073 |  |  |  | 23,541 |  |  |  | 573,270 |
Commercial real estate residential year-to-date gross charge-offs |  |  | 0 |  |  |  | (18 | ) |  |  | (106 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (124 | )
Commercial real estate nonresidential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 143,099 |  |  |  | 164,868 |  |  |  | 107,456 |  |  |  | 109,097 |  |  |  | 102,079 |  |  |  | 175,799 |  |  |  | 38,952 |  |  |  | 841,350 |
Watch |  |  | 1,561 |  |  |  | 6,740 |  |  |  | 4,242 |  |  |  | 7,192 |  |  |  | 17,437 |  |  |  | 11,933 |  |  |  | 835 |  |  |  | 49,940 |
OAEM |  |  | 0 |  |  |  | 100 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 17 |  |  |  | 0 |  |  |  | 117 |
Substandard |  |  | 3,576 |  |  |  | 1,115 |  |  |  | 2,130 |  |  |  | 2,072 |  |  |  | 2,386 |  |  |  | 18,995 |  |  |  | 0 |  |  |  | 30,274 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1 |  |  |  | 0 |  |  |  | 1 |
Total commercial real estate nonresidential |  |  | 148,236 |  |  |  | 172,823 |  |  |  | 113,828 |  |  |  | 118,361 |  |  |  | 121,902 |  |  |  | 206,745 |  |  |  | 39,787 |  |  |  | 921,682 |
Commercial real estate nonresidential year-to-date gross charge-offs |  |  | 0 |  |  |  | (1,000 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (2 | ) |  |  | 0 |  |  |  | (1,002 | )
Dealer floorplans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 64,610 |  |  |  | 64,610 |
Watch |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 8,953 |  |  |  | 8,953 |
OAEM |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 279 |  |  |  | 279 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total dealer floorplans |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 73,842 |  |  |  | 73,842 |
Dealer floorplans year-to-date gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 76,310 |  |  |  | 42,772 |  |  |  | 35,248 |  |  |  | 30,517 |  |  |  | 22,604 |  |  |  | 40,506 |  |  |  | 71,733 |  |  |  | 319,690 |
Watch |  |  | 1,087 |  |  |  | 1,067 |  |  |  | 797 |  |  |  | 818 |  |  |  | 164 |  |  |  | 489 |  |  |  | 20,078 |  |  |  | 24,500 |
OAEM |  |  | 0 |  |  |  | 0 |  |  |  | 85 |  |  |  | 0 |  |  |  | 8,038 |  |  |  | 0 |  |  |  | 245 |  |  |  | 8,368 |
Substandard |  |  | 13,517 |  |  |  | 1,189 |  |  |  | 3,270 |  |  |  | 357 |  |  |  | 169 |  |  |  | 426 |  |  |  | 797 |  |  |  | 19,725 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial other |  |  | 90,914 |  |  |  | 45,028 |  |  |  | 39,400 |  |  |  | 31,692 |  |  |  | 30,975 |  |  |  | 41,421 |  |  |  | 92,853 |  |  |  | 372,283 |
Commercial other year-to-date gross charge-offs |  |  | (559 | ) |  |  | (105 | ) |  |  | (260 | ) |  |  | (6 | ) |  |  | (213 | ) |  |  | (3 | ) |  |  | 0 |  |  |  | (1,146 | )
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 414,809 |  |  |  | 372,231 |  |  |  | 320,673 |  |  |  | 344,531 |  |  |  | 204,840 |  |  |  | 352,412 |  |  |  | 204,185 |  |  |  | 2,213,681 |
Watch |  |  | 11,428 |  |  |  | 8,749 |  |  |  | 10,343 |  |  |  | 21,385 |  |  |  | 27,628 |  |  |  | 29,163 |  |  |  | 30,087 |  |  |  | 138,783 |
OAEM |  |  | 0 |  |  |  | 100 |  |  |  | 278 |  |  |  | 0 |  |  |  | 8,038 |  |  |  | 70 |  |  |  | 245 |  |  |  | 8,731 |
Substandard |  |  | 19,154 |  |  |  | 3,648 |  |  |  | 5,757 |  |  |  | 6,824 |  |  |  | 4,392 |  |  |  | 22,814 |  |  |  | 1,125 |  |  |  | 63,714 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1 |  |  |  | 0 |  |  |  | 1 |
Total commercial loans |  | $ | 445,391 |  |  | $ | 384,728 |  |  | $ | 337,051 |  |  | $ | 372,740 |  |  | $ | 244,898 |  |  | $ | 404,460 |  |  | $ | 235,642 |  |  | $ | 2,424,910 |
Total commercial loans year-to-date gross charge-offs |  | $ | (559 | ) |  | $ | (1,123 | ) |  | $ | (366 | ) |  | $ | (6 | ) |  | $ | (213 | ) |  | $ | (5 | ) |  | $ | 0 |  |  | $ | (2,272 | )
Term Loans Amortized Cost Basis by Origination Year As of December 31, 2024 |
(in thousands) |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Hotel/motel |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 72,924 |  |  | $ | 88,016 |  |  | $ | 134,663 |  |  | $ | 27,145 |  |  | $ | 21,609 |  |  | $ | 70,311 |  |  | $ | 5,419 |  |  | $ | 420,087 |
Watch |  |  | 0 |  |  |  | 2,062 |  |  |  | 10,822 |  |  |  | 6,570 |  |  |  | 0 |  |  |  | 13,358 |  |  |  | 0 |  |  |  | 32,812 |
OAEM |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Substandard |  |  | 1,954 |  |  |  | 0 |  |  |  | 3,979 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 5,933 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total hotel/motel |  |  | 74,878 |  |  |  | 90,078 |  |  |  | 149,464 |  |  |  | 33,715 |  |  |  | 21,609 |  |  |  | 83,669 |  |  |  | 5,419 |  |  |  | 458,832 |
Hotel/motel year-to-date gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial real estate residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 162,855 |  |  |  | 94,758 |  |  |  | 78,106 |  |  |  | 60,482 |  |  |  | 24,603 |  |  |  | 37,689 |  |  |  | 21,267 |  |  |  | 479,760 |
Watch |  |  | 5,381 |  |  |  | 3,009 |  |  |  | 1,692 |  |  |  | 3,739 |  |  |  | 1,523 |  |  |  | 5,261 |  |  |  | 58 |  |  |  | 20,663 |
OAEM |  |  | 31 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 58 |  |  |  | 0 |  |  |  | 89 |
Substandard |  |  | 1,470 |  |  |  | 609 |  |  |  | 792 |  |  |  | 531 |  |  |  | 420 |  |  |  | 3,928 |  |  |  | 48 |  |  |  | 7,798 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial real estate residential |  |  | 169,737 |  |  |  | 98,376 |  |  |  | 80,590 |  |  |  | 64,752 |  |  |  | 26,546 |  |  |  | 46,936 |  |  |  | 21,373 |  |  |  | 508,310 |
Commercial real estate residential year-to-date gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial real estate nonresidential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 180,139 |  |  |  | 121,801 |  |  |  | 124,200 |  |  |  | 120,623 |  |  |  | 62,674 |  |  |  | 155,561 |  |  |  | 38,270 |  |  |  | 803,268 |
Watch |  |  | 4,574 |  |  |  | 2,004 |  |  |  | 4,004 |  |  |  | 8,683 |  |  |  | 3,425 |  |  |  | 6,970 |  |  |  | 624 |  |  |  | 30,284 |
OAEM |  |  | 0 |  |  |  | 7 |  |  |  | 12 |  |  |  | 0 |  |  |  | 0 |  |  |  | 45 |  |  |  | 0 |  |  |  | 64 |
Substandard |  |  | 4,873 |  |  |  | 1,527 |  |  |  | 357 |  |  |  | 2,700 |  |  |  | 11,179 |  |  |  | 10,778 |  |  |  | 0 |  |  |  | 31,414 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1 |  |  |  | 0 |  |  |  | 1 |
Total commercial real estate nonresidential |  |  | 189,586 |  |  |  | 125,339 |  |  |  | 128,573 |  |  |  | 132,006 |  |  |  | 77,278 |  |  |  | 173,355 |  |  |  | 38,894 |  |  |  | 865,031 |
Commercial real estate nonresidential year-to-date gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Dealer floorplans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 82,639 |  |  |  | 82,639 |
Watch |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,861 |  |  |  | 1,861 |
OAEM |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 456 |  |  |  | 0 |  |  |  | 456 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total dealer floorplans |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 456 |  |  |  | 84,500 |  |  |  | 84,956 |
Dealer floorplans year-to-date gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 83,742 |  |  |  | 43,935 |  |  |  | 38,912 |  |  |  | 25,806 |  |  |  | 25,187 |  |  |  | 19,520 |  |  |  | 79,851 |  |  |  | 316,953 |
Watch |  |  | 1,823 |  |  |  | 877 |  |  |  | 671 |  |  |  | 295 |  |  |  | 111 |  |  |  | 533 |  |  |  | 14,739 |  |  |  | 19,049 |
OAEM |  |  | 27 |  |  |  | 0 |  |  |  | 0 |  |  |  | 8,469 |  |  |  | 0 |  |  |  | 0 |  |  |  | 30 |  |  |  | 8,526 |
Substandard |  |  | 2,301 |  |  |  | 4,279 |  |  |  | 2,203 |  |  |  | 299 |  |  |  | 447 |  |  |  | 162 |  |  |  | 1,331 |  |  |  | 11,022 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial other |  |  | 87,893 |  |  |  | 49,091 |  |  |  | 41,786 |  |  |  | 34,869 |  |  |  | 25,745 |  |  |  | 20,215 |  |  |  | 95,951 |  |  |  | 355,550 |
Commercial other year-to-date gross charge-offs |  |  | (1,148 | ) |  |  | (134 | ) |  |  | (142 | ) |  |  | (45 | ) |  |  | (2 | ) |  |  | (5 | ) |  |  | 0 |  |  |  | (1,476 | )
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 499,660 |  |  |  | 348,510 |  |  |  | 375,881 |  |  |  | 234,056 |  |  |  | 134,073 |  |  |  | 283,081 |  |  |  | 227,446 |  |  |  | 2,102,707 |
Watch |  |  | 11,778 |  |  |  | 7,952 |  |  |  | 17,189 |  |  |  | 19,287 |  |  |  | 5,059 |  |  |  | 26,122 |  |  |  | 17,282 |  |  |  | 104,669 |
OAEM |  |  | 58 |  |  |  | 7 |  |  |  | 12 |  |  |  | 8,469 |  |  |  | 0 |  |  |  | 103 |  |  |  | 30 |  |  |  | 8,679 |
Substandard |  |  | 10,598 |  |  |  | 6,415 |  |  |  | 7,331 |  |  |  | 3,530 |  |  |  | 12,046 |  |  |  | 15,324 |  |  |  | 1,379 |  |  |  | 56,623 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1 |  |  |  | 0 |  |  |  | 1 |
Total commercial loans |  | $ | 522,094 |  |  | $ | 362,884 |  |  | $ | 400,413 |  |  | $ | 265,342 |  |  | $ | 151,178 |  |  | $ | 324,631 |  |  | $ | 246,137 |  |  | $ | 2,272,679 |
Total commercial loans year-to-date gross charge-offs |  | $ | (1,148 | ) |  | $ | (134 | ) |  | $ | (142 | ) |  | $ | (45 | ) |  | $ | (2 | ) |  | $ | (5 | ) |  | $ | 0 |  |  | $ | (1,476 | )
Credit Risk Profile of Residential Real Estate and Consumer Loan Portfolio Based on Performing and Nonperforming Status Segregated by Loan Segment | The following tables present the credit risk profile of CTBI’s residential real estate and consumer loan portfolios based on performing or nonperforming status, segregated by loan segment:
Term Loans Amortized Cost Basis by Origination Year As of September 30, 2025 |
(in thousands) |  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Home equity lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 5,885 |  |  | $ | 177,577 |  |  | $ | 183,462 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 207 |  |  |  | 522 |  |  |  | 729 |
Total home equity lines |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 6,092 |  |  |  | 178,099 |  |  |  | 184,191 |
Home equity year-to-date gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (7 | ) |  |  | 0 |  |  |  | (7 | )
Mortgage loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 201,267 |  |  |  | 190,959 |  |  |  | 175,386 |  |  |  | 132,403 |  |  |  | 136,866 |  |  |  | 313,244 |  |  |  | 0 |  |  |  | 1,150,125 |
Nonperforming |  |  | 536 |  |  |  | 1,036 |  |  |  | 827 |  |  |  | 1,319 |  |  |  | 550 |  |  |  | 3,147 |  |  |  | 0 |  |  |  | 7,415 |
Total mortgage loans |  |  | 201,803 |  |  |  | 191,995 |  |  |  | 176,213 |  |  |  | 133,722 |  |  |  | 137,416 |  |  |  | 316,391 |  |  |  | 0 |  |  |  | 1,157,540 |
Mortgage loans year-to-date gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (37 | ) |  |  | (16 | ) |  |  | (189 | ) |  |  | 0 |  |  |  | (242 | )
Residential loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 201,267 |  |  |  | 190,959 |  |  |  | 175,386 |  |  |  | 132,403 |  |  |  | 136,866 |  |  |  | 319,129 |  |  | $ | 177,577 |  |  |  | 1,333,587 |
Nonperforming |  |  | 536 |  |  |  | 1,036 |  |  |  | 827 |  |  |  | 1,319 |  |  |  | 550 |  |  |  | 3,354 |  |  |  | 522 |  |  |  | 8,144 |
Total residential loans |  |  | 201,803 |  |  |  | 191,995 |  |  |  | 176,213 |  |  |  | 133,722 |  |  |  | 137,416 |  |  | $ | 322,483 |  |  |  | 178,099 |  |  | $ | 1,341,731 |
Total residential loans year-to-date gross charge-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | (37 | ) |  | $ | (16 | ) |  | $ | (196 | ) |  | $ | 0 |  |  | $ | (249 | )
Consumer direct loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 46,323 |  |  | $ | 33,967 |  |  | $ | 24,707 |  |  | $ | 14,173 |  |  | $ | 12,904 |  |  | $ | 17,610 |  |  | $ | 0 |  |  | $ | 149,684 |
Nonperforming |  |  | 19 |  |  |  | 0 |  |  |  | 16 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 35 |
Total consumer direct loans |  |  | 46,342 |  |  |  | 33,967 |  |  |  | 24,723 |  |  |  | 14,173 |  |  |  | 12,904 |  |  |  | 17,610 |  |  |  | 0 |  |  |  | 149,719 |
Consumer direct loans year-to-date gross charge-offs |  |  | (14 | ) |  |  | (242 | ) |  |  | (220 | ) |  |  | (197 | ) |  |  | (50 | ) |  |  | (57 | ) |  |  | 0 |  |  |  | (780 | )
Consumer indirect loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 297,413 |  |  |  | 244,788 |  |  |  | 171,566 |  |  |  | 105,750 |  |  |  | 38,026 |  |  |  | 19,397 |  |  |  | 0 |  |  |  | 876,940 |
Nonperforming |  |  | 31 |  |  |  | 292 |  |  |  | 165 |  |  |  | 100 |  |  |  | 21 |  |  |  | 6 |  |  |  | 0 |  |  |  | 615 |
Total consumer indirect loans |  |  | 297,444 |  |  |  | 245,080 |  |  |  | 171,731 |  |  |  | 105,850 |  |  |  | 38,047 |  |  |  | 19,403 |  |  |  | 0 |  |  |  | 877,555 |
Consumer indirect loans year-to-date gross charge-offs |  |  | (69 | ) |  |  | (975 | ) |  |  | (2,732 | ) |  |  | (1,538 | ) |  |  | (423 | ) |  |  | (236 | ) |  |  | 0 |  |  |  | (5,973 | )
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 343,736 |  |  |  | 278,755 |  |  |  | 196,273 |  |  |  | 119,923 |  |  |  | 50,930 |  |  |  | 37,007 |  |  |  | 0 |  |  |  | 1,026,624 |
Nonperforming |  |  | 50 |  |  |  | 292 |  |  |  | 181 |  |  |  | 100 |  |  |  | 21 |  |  |  | 6 |  |  |  | 0 |  |  |  | 650 |
Total consumer loans |  | $ | 343,786 |  |  | $ | 279,047 |  |  | $ | 196,454 |  |  | $ | 120,023 |  |  | $ | 50,951 |  |  | $ | 37,013 |  |  | $ | 0 |  |  | $ | 1,027,274 |
Total consumer loans year-to-date gross charge-offs |  | $ | (83 | ) |  | $ | (1,217 | ) |  | $ | (2,952 | ) |  | $ | (1,735 | ) |  | $ | (473 | ) |  | $ | (293 | ) |  | $ | 0 |  |  | $ | (6,753 | )
Term Loans Amortized Cost Basis by Origination Year As of December 31, 2024 |
(in thousands) |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Home equity lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 7,121 |  |  | $ | 159,656 |  |  | $ | 166,777 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 362 |  |  |  | 286 |  |  |  | 648 |
Total home equity lines |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 7,483 |  |  |  | 159,942 |  |  |  | 167,425 |
Home equity lines year-to-date gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (80 | ) |  |  | 0 |  |  |  | (80 | )
Mortgage loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 197,756 |  |  |  | 192,959 |  |  |  | 140,265 |  |  |  | 146,391 |  |  |  | 107,009 |  |  |  | 250,201 |  |  |  | 0 |  |  |  | 1,034,581 |
Nonperforming |  |  | 0 |  |  |  | 1,074 |  |  |  | 1,424 |  |  |  | 250 |  |  |  | 279 |  |  |  | 5,793 |  |  |  | 0 |  |  |  | 8,820 |
Total mortgage loans |  |  | 197,756 |  |  |  | 194,033 |  |  |  | 141,689 |  |  |  | 146,641 |  |  |  | 107,288 |  |  |  | 255,994 |  |  |  | 0 |  |  |  | 1,043,401 |
Mortgage loans year-to-date gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | (28 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (97 | ) |  |  | 0 |  |  |  | (125 | )
Residential loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 197,756 |  |  |  | 192,959 |  |  |  | 140,265 |  |  |  | 146,391 |  |  |  | 107,009 |  |  |  | 257,322 |  |  |  | 159,656 |  |  |  | 1,201,358 |
Nonperforming |  |  | 0 |  |  |  | 1,074 |  |  |  | 1,424 |  |  |  | 250 |  |  |  | 279 |  |  |  | 6,155 |  |  |  | 286 |  |  |  | 9,468 |
Total residential loans |  | $ | 197,756 |  |  | $ | 194,033 |  |  | $ | 141,689 |  |  | $ | 146,641 |  |  | $ | 107,288 |  |  | $ | 263,477 |  |  | $ | 159,942 |  |  | $ | 1,210,826 |
Total residential loans year-to-date gross charge-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | (28 | ) |  | $ | 0 |  |  | $ | (177 | ) |  | $ | 0 |  |  | $ | (205 | )
Consumer direct loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 54,745 |  |  | $ | 35,179 |  |  | $ | 21,456 |  |  | $ | 17,509 |  |  | $ | 9,839 |  |  | $ | 13,846 |  |  | $ | 0 |  |  | $ | 152,574 |
Nonperforming |  |  | 7 |  |  |  | 72 |  |  |  | 190 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 269 |
Total consumer direct loans |  |  | 54,752 |  |  |  | 35,251 |  |  |  | 21,646 |  |  |  | 17,509 |  |  |  | 9,839 |  |  |  | 13,846 |  |  |  | 0 |  |  |  | 152,843 |
Consumer direct loans year-to-date gross charge-offs |  |  | (41 | ) |  |  | (314 | ) |  |  | (690 | ) |  |  | (85 | ) |  |  | (29 | ) |  |  | (61 | ) |  |  | 0 |  |  |  | (1,220 | )
Consumer indirect loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 333,945 |  |  |  | 243,247 |  |  |  | 162,051 |  |  |  | 65,032 |  |  |  | 34,870 |  |  |  | 10,382 |  |  |  | 0 |  |  |  | 849,527 |
Nonperforming |  |  | 117 |  |  |  | 324 |  |  |  | 218 |  |  |  | 63 |  |  |  | 40 |  |  |  | 0 |  |  |  | 0 |  |  |  | 762 |
Total consumer indirect loans |  |  | 334,062 |  |  |  | 243,571 |  |  |  | 162,269 |  |  |  | 65,095 |  |  |  | 34,910 |  |  |  | 10,382 |  |  |  | 0 |  |  |  | 850,289 |
Consumer indirect loans year-to-date gross charge-offs |  |  | (363 | ) |  |  | (2,760 | ) |  |  | (2,609 | ) |  |  | (1,385 | ) |  |  | (236 | ) |  |  | (249 | ) |  |  | 0 |  |  |  | (7,602 | )
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 388,690 |  |  |  | 278,426 |  |  |  | 183,507 |  |  |  | 82,541 |  |  |  | 44,709 |  |  |  | 24,228 |  |  |  | 0 |  |  |  | 1,002,101 |
Nonperforming |  |  | 124 |  |  |  | 396 |  |  |  | 408 |  |  |  | 63 |  |  |  | 40 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,031 |
Total consumer loans |  | $ | 388,814 |  |  | $ | 278,822 |  |  | $ | 183,915 |  |  | $ | 82,604 |  |  | $ | 44,749 |  |  | $ | 24,228 |  |  | $ | 0 |  |  | $ | 1,003,132 |
Total consumer loans year-to-date gross charge-offs |  | $ | (404 | ) |  | $ | (3,074 | ) |  | $ | (3,299 | ) |  | $ | (1,470 | ) |  | $ | (265 | ) |  | $ | (310 | ) |  | $ | 0 |  |  | $ | (8,822 | )
Collateral Dependent Loans Evaluated Individually by Segment | If a loan does not share risk characteristics with other pooled loans in determining the ACL, the loan is evaluated for expected credit losses on an individual basis. Of the loans that CTBI has individually evaluated, the loans listed below by segment are those that are collateral dependent:
|  | September 30, 2025 |
(in thousands) |  | Number of Loans |  |  | Recorded Investment |  |  | Specific Reserve |
Hotel/motel |  |  | 1 |  |  | $ | 3,519 |  |  | $ | 0 |
Commercial real estate residential |  |  | 1 |  |  |  | 1,521 |  |  |  | 0 |
Commercial real estate nonresidential |  |  | 8 |  |  |  | 26,286 |  |  |  | 1,075 |
Commercial other |  |  | 4 |  |  |  | 20,462 |  |  |  | 0 |
Total collateral dependent loans |  |  | 14 |  |  | $ | 51,788 |  |  | $ | 1,075 |
|  | December 31, 2024 |
(in thousands) |  | Number of Loans |  |  | Recorded Investment |  |  | Specific Reserve |
Hotel/motel |  |  | 2 |  |  | $ | 5,555 |  |  | $ | 0 |
Commercial real estate residential |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial real estate nonresidential |  |  | 8 |  |  |  | 27,087 |  |  |  | 325 |
Commercial other |  |  | 3 |  |  |  | 12,963 |  |  |  | 0 |
Total collateral dependent loans |  |  | 13 |  |  | $ | 45,605 |  |  | $ | 325 |
Modified Loans Segregated by Loan Segment and Concession Granted | Certain loans have been modified where the customer is facing financial difficulty and economic concessions were granted to borrowers, consisting of reductions in the interest rates, payment extensions, forgiveness of principal, and forbearances. These loans, segregated by loan segment and concession granted, are presented below for the three months ended September 30, 2025:
|  | Amortized Cost at September 30, 2025 |
(in thousands) |  | Interest Rate Reduction |  |  | % of total |  |  | Term Extension |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 0 |  |  |  | 0.00 |  |  |  | 41 |  |  |  | 0.01 |
Commercial real estate nonresidential |  |  | 7,254 |  |  |  | 0.79 |  |  |  | 124 |  |  |  | 0.01 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 0 |  |  |  | 0.00 |  |  |  | 169 |  |  |  | 0.05 |
Commercial loans |  |  | 7,254 |  |  |  | 0.30 |  |  |  | 334 |  |  |  | 0.01 |
Real estate mortgage |  |  | 435 |  |  |  | 0.04 |  |  |  | 2,780 |  |  |  | 0.24 |
Home equity lines |  |  | 47 |  |  |  | 0.03 |  |  |  | 0 |  |  |  | 0.00 |
Residential loans |  |  | 482 |  |  |  | 0.04 |  |  |  | 2,780 |  |  |  | 0.21 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 302 |  |  |  | 0.03 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 302 |  |  |  | 0.03 |
Loans and lease financing |  | $ | 7,736 |  |  |  | 0.16 | % |  | $ | 3,416 |  |  |  | 0.07 | %
|  | Amortized Cost at September 30, 2025 |
(in thousands) |  | Combination – Term Extension and Interest Rate Reduction |  |  | % of total |  |  | Payment Change |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 0 |  |  |  | 0.00 |  |  |  | 121 |  |  |  | 0.02 |
Commercial real estate nonresidential |  |  | 242 |  |  |  | 0.03 |  |  |  | 0 |  |  |  | 0.00 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 0 |  |  |  | 0.00 |  |  |  | 65 |  |  |  | 0.02 |
Commercial loans |  |  | 242 |  |  |  | 0.01 |  |  |  | 186 |  |  |  | 0.01 |
Real estate mortgage |  |  | 108 |  |  |  | 0.01 |  |  |  | 0 |  |  |  | 0.00 |
Home equity lines |  |  | 95 |  |  |  | 0.05 |  |  |  | 0 |  |  |  | 0.00 |
Residential loans |  |  | 203 |  |  |  | 0.02 |  |  |  | 0 |  |  |  | 0.00 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Loans and lease financing |  | $ | 445 |  |  |  | 0.01 | % |  | $ | 186 |  |  |  | 0.00 | %
These loans, segregated by loan segment and concession granted, are presented below for the nine months ended September 30, 2025:
|  | Amortized Cost at September 30, 2025 |
(in thousands) |  | Interest Rate Reduction |  |  | % of total |  |  | Term Extension |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 0 |  |  |  | 0.00 |  |  |  | 340 |  |  |  | 0.06 |
Commercial real estate nonresidential |  |  | 7,381 |  |  |  | 0.80 |  |  |  | 2,616 |  |  |  | 0.28 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 0 |  |  |  | 0.00 |  |  |  | 1,362 |  |  |  | 0.37 |
Commercial loans |  |  | 7,381 |  |  |  | 0.30 |  |  |  | 4,318 |  |  |  | 0.18 |
Real estate mortgage |  |  | 807 |  |  |  | 0.07 |  |  |  | 7,717 |  |  |  | 0.67 |
Home equity lines |  |  | 47 |  |  |  | 0.03 |  |  |  | 320 |  |  |  | 0.17 |
Residential loans |  |  | 854 |  |  |  | 0.06 |  |  |  | 8,037 |  |  |  | 0.60 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 216 |  |  |  | 0.14 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 575 |  |  |  | 0.07 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 791 |  |  |  | 0.08 |
Loans and lease financing |  | $ | 8,235 |  |  |  | 0.17 | % |  | $ | 13,146 |  |  |  | 0.27 | %
|  | Amortized Cost at September 30, 2025 |
(in thousands) |  | Combination – Term Extension and Interest Rate Reduction |  |  | % of total |  |  | Payment Change |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 1,065 |  |  |  | 0.19 |  |  |  | 121 |  |  |  | 0.02 |
Commercial real estate nonresidential |  |  | 242 |  |  |  | 0.03 |  |  |  | 348 |  |  |  | 0.04 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 378 |  |  |  | 0.10 |  |  |  | 460 |  |  |  | 0.12 |
Commercial loans |  |  | 1,685 |  |  |  | 0.07 |  |  |  | 929 |  |  |  | 0.04 |
Real estate mortgage |  |  | 717 |  |  |  | 0.06 |  |  |  | 35 |  |  |  | 0.00 |
Home equity lines |  |  | 142 |  |  |  | 0.08 |  |  |  | 0 |  |  |  | 0.00 |
Residential loans |  |  | 859 |  |  |  | 0.06 |  |  |  | 35 |  |  |  | 0.00 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 149 |  |  |  | 0.02 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 149 |  |  |  | 0.01 |
Loans and lease financing |  | $ | 2,544 |  |  |  | 0.05 | % |  | $ | 1,113 |  |  |  | 0.02 | %
These loans, segregated by class of loans and concessions granted, are presented below for the three months ended September 30, 2024:
|  | Amortized Cost at September 30, 2024 |
(in thousands) |  | Interest Rate Reduction |  |  | % of total |  |  | Term Extension |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial real estate nonresidential |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 0 |  |  |  | 0.00 |  |  |  | 345 |  |  |  | 0.10 |
Commercial loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 345 |  |  |  | 0.02 |
Real estate mortgage |  |  | 183 |  |  |  | 0.02 |  |  |  | 2,030 |  |  |  | 0.20 |
Home equity lines |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Residential loans |  |  | 183 |  |  |  | 0.02 |  |  |  | 2,030 |  |  |  | 0.17 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 71 |  |  |  | 0.05 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 71 |  |  |  | 0.01 |
Loans and lease financing |  | $ | 183 |  |  |  | 0.00 | % |  | $ | 2,446 |  |  |  | 0.06 | %
|  | Amortized Cost at September 30, 2024 |
(in thousands) |  | Combination – Term Extension and Interest Rate Reduction |  |  | % of total |  |  | Payment Change |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 1,954 |  |  |  | 0.43 | %
Commercial real estate residential |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial real estate nonresidential |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 164 |  |  |  | 0.05 |  |  |  | 195 |  |  |  | 0.06 |
Commercial loans |  |  | 164 |  |  |  | 0.01 |  |  |  | 2,149 |  |  |  | 0.10 |
Real estate mortgage |  |  | 258 |  |  |  | 0.03 |  |  |  | 0 |  |  |  | 0.00 |
Home equity lines |  |  | 32 |  |  |  | 0.02 |  |  |  | 0 |  |  |  | 0.00 |
Residential loans |  |  | 290 |  |  |  | 0.02 |  |  |  | 0 |  |  |  | 0.00 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 1 |  |  |  | 0.00 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 9 |  |  |  | 0.00 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 10 |  |  |  | 0.00 |
Loans and lease financing |  | $ | 454 |  |  |  | 0.01 | % |  | $ | 2,159 |  |  |  | 0.05 | %
Those loans, segregated by class of loans and concession granted, are presented below for the nine months ended September 30, 2024:
|  | Amortized Cost at September 30, 2024 |
(in thousands) |  | Interest Rate Reduction |  |  | % of total |  |  | Term Extension |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 0 |  |  |  | 0.00 |  |  |  | 78 |  |  |  | 0.02 |
Commercial real estate nonresidential |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 0 |  |  |  | 0.00 |  |  |  | 937 |  |  |  | 0.26 |
Commercial loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 1,015 |  |  |  | 0.05 |
Real estate mortgage |  |  | 1,020 |  |  |  | 0.10 |  |  |  | 7,125 |  |  |  | 0.71 |
Home equity lines |  |  | 0 |  |  |  | 0.00 |  |  |  | 31 |  |  |  | 0.02 |
Residential loans |  |  | 1,020 |  |  |  | 0.09 |  |  |  | 7,156 |  |  |  | 0.61 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 103 |  |  |  | 0.07 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 279 |  |  |  | 0.03 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 382 |  |  |  | 0.04 |
Loans and lease financing |  | $ | 1,020 |  |  |  | 0.02 | % |  | $ | 8,553 |  |  |  | 0.20 | %
|  | Amortized Cost at September 30, 2024 |
(in thousands) |  | Combination – Term Extension and Interest Rate Reduction |  |  | % of total |  |  | Payment Change |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 1,954 |  |  |  | 0.43 | %
Commercial real estate residential |  |  | 13 |  |  |  | 0.00 |  |  |  | 206 |  |  |  | 0.04 |
Commercial real estate nonresidential |  |  | 27 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 174 |  |  |  | 0.05 |  |  |  | 934 |  |  |  | 0.26 |
Commercial loans |  |  | 214 |  |  |  | 0.01 |  |  |  | 3,094 |  |  |  | 0.14 |
Real estate mortgage |  |  | 590 |  |  |  | 0.06 |  |  |  | 0 |  |  |  | 0.00 |
Home equity lines |  |  | 112 |  |  |  | 0.07 |  |  |  | 0 |  |  |  | 0.00 |
Residential loans |  |  | 702 |  |  |  | 0.06 |  |  |  | 0 |  |  |  | 0.00 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 1 |  |  |  | 0.00 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 64 |  |  |  | 0.01 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 65 |  |  |  | 0.01 |
Loans and lease financing |  | $ | 916 |  |  |  | 0.02 | % |  | $ | 3,159 |  |  |  | 0.07 | %
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty | The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended September 30, 2025:
Loan Type |  | Interest Rate Reduction Financial Impact |  | Term Extension Financial Impact
Commercial real estate residential |  |  |  | Added a weighted-average 0.3 years to life of the loans
Commercial real estate nonresidential |  | Reduced weighted-average contractual interest rate from 7.5% to 2.0% |  | Added a weighted-average 20.2 years to life of the loans
Commercial other |  |  |  | Added a weighted-average 0.3 years to life of the loans
Real estate mortgage |  | Reduced weighted-average contractual interest rate from 7.2% to 3.7% |  | Added a weighted-average 0.4 years to life of the loans
Home equity lines |  | Reduced weighted-average contractual interest rate from 8.9% to 7.5% |  |
Consumer direct |  |  |  |
Consumer indirect |  |  |  | Added a weighted-average 1.1 years to life of the loans
Loan Type |  | Combination – Term Extension and Interest Rate Reduction Financial Impact |  | Payment Changes Financial Impact
Commercial real estate residential |  |  |  | Provided payment changes that will be added to the end of the original loan term
Commercial real estate nonresidential |  | Reduced weighted-average contractual interest rate from 6.5% to 4.5% and increased the weighted-average life by 0.5 years |  |
Commercial other |  |  |  | Provided payment changes that will be added to the end of the original loan term
Real estate mortgage |  | Reduced weighted-average contractual interest rate from 5.4% to 3.0% and increased the weighted-average life by 6.5 years |  |
Home Equity Lines |  | Reduced weighted-average contractual interest rate from 8.7% to 7.5% and increased the weighted-average life by 9.0 years |  |
Consumer indirect |  |  |  |
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the nine months ended September 30, 2025:
Loan Type |  | Interest Rate Reduction Financial Impact |  | Term Extension Financial Impact
Commercial real estate residential |  |  |  | Added a weighted-average 0.9 years to life of the loans
Commercial real estate nonresidential |  | Reduced weighted-average contractual interest rate from 7.5% to 2.1% |  | Added a weighted-average 1.4 years to life of the loans
Commercial other |  |  |  | Added a weighted-average 3.8 years to life of the loans
Real estate mortgage |  | Reduced weighted-average contractual interest rate from 7.5% to 4.0% |  | Added a weighted-average 0.4 years to life of the loans
Home equity lines |  | Reduced weighted-average contractual interest rate from 8.9% to 7.5% |  | Added a weighted-average 2.9 years to life of the loans
Consumer direct |  |  |  | Added a weighted-average 0.3 years to life of the loans
Consumer indirect |  |  |  | Added a weighted-average 1.0 years to life of the loans
Loan Type |  | Combination – Term Extension and Interest Rate Reduction Financial Impact |  | Payment Changes Financial Impact
Commercial real estate residential |  | Reduced weighted-average contractual interest rate from 9.3% to 8.1% and increased the weighted-average life by 15.9 years |  | Provided payment changes that will be added to the end of the original loan term
Commercial real estate nonresidential |  | Reduced weighted-average contractual interest rate from 6.5% to 4.5% and increased the weighted-average life by 0.5 years |  | Provided payment changes that will be added to the end of the original loan term
Commercial other |  | Increased weighted-average contractual interest rate from 7.0% to 8.0% and increased the weighted-average life by 5.6 years |  | Provided payment changes that will be added to the end of the original loan term
Real estate mortgage |  | Reduced weighted-average contractual interest rate from 5.3% to 3.6% and increased the weighted-average life by 5.5 years |  | Provided payment changes that will be added to the end of the original loan term
Home equity lines |  | Reduced weighted-average contractual interest rate from 8.3% to 7.5% and increased the weighted-average life by 7.5 years |  |
Consumer indirect |  |  |  | Provided payment changes that will be added to the end of the original loan term
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended September 30, 2024:
Loan Type |  | Interest Rate Reduction Financial Impact |  | Term Extension Financial Impact
Hotel/motel |  |  |  |
Commercial real estate residential |  |  |  |
Commercial real estate nonresidential |  |  |  |
Dealer floorplans |  |  |  |
Commercial other |  |  |  | Added a weighted-average 0.3 years to life of the loans
Real estate mortgage |  | Reduced weighted-average contractual interest rate from 6.2% to 3.3% |  | Added a weighted-average 1.4 years to life of the loans
Home equity lines |  |  |  |
Consumer direct |  |  |  | Added a weighted-average 0.2 years to life of the loans
Consumer indirect |  |  |  |
Loan Type |  | Combination – Term Extension and Interest Rate Reduction Financial Impact |  | Payment Changes Financial Impact
Hotel/motel |  |  |  | Provided payment changes that will be added to the end of the original loan term
Commercial real estate residential |  |  |  |
Commercial real estate nonresidential |  |  |  |
Dealer floorplans |  |  |  |
Commercial other |  | Increased weighted-average contractual interest rate from 4.0% to 8.5% and increased the weighted-average life by 15.0 years |  | Provided payment changes that will be added to the end of the original loan term
Real estate mortgage |  | Weighted-average contractual interest rate remained at 8.5% and increased the weighted-average life by 20.0 years |  |
Home equity lines |  | Reduced weighted-average contractual interest rate from 5.4% to 3.0% and increased the weighted-average life by 1.4 years |  |
Consumer direct |  |  |  | Provided payment changes that will be added to the end of the original loan term
Consumer indirect |  |  |  | Provided payment changes that will be added to the end of the original loan term
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the nine months ended September 30, 2024:
Loan Type |  | Interest Rate Reduction Financial Impact |  | Term Extension Financial Impact
Hotel/motel |  |  |  |
Commercial real estate residential |  |  |  | Added a weighted-average 0.3 years to life of the loans
Commercial real estate nonresidential |  |  |  |
Dealer floorplans |  |  |  |
Commercial other |  |  |  | Added a weighted-average 0.3 years to life of the loans
Real estate mortgage |  | Reduced weighted-average contractual interest rate from 7.8% to 4.7% |  | Added a weighted-average 0.8 years to life of the loans
Home equity lines |  |  |  | Added a weighted-average 0.5 years to life of the loans
Consumer direct |  |  |  | Added a weighted-average 0.1 years to life of the loans
Consumer indirect |  |  |  | Added a weighted-average 0.3 years to life of the loans
Loan Type |  | Combination – Term Extension and Interest Rate Reduction Financial Impact |  | Payment Changes Financial Impact
Hotel/motel |  |  |  | Provided payment changes that will be added to the end of the original loan term
Commercial real estate residential |  | Weighted-average contractual interest rate remained at 8.5% and increased the weighted-average life by 4.0 years |  | Provided payment changes that will be added to the end of the original loan term
Commercial real estate nonresidential |  | Increased weighted-average contractual interest rate from 6.0% to 8.5% and increased the weighted-average life by 10.3 years |  |
Dealer floorplans |  |  |  |
Commercial other |  | Increased weighted-average contractual interest rate from 4.3% to 8.5% and increased the weighted-average life by 14.3 years |  | Provided payment changes that will be added to the end of the original loan term
Real estate mortgage |  | Reduced weighted-average contractual interest rate from 5.6% to 4.2% and increased the weighted-average life by 4.3 years |  |
Home equity lines |  | Reduced weighted-average contractual interest rate from 9.3% to 8.6% and increased the weighted-average life by 13.1 years |  |
Consumer direct |  |  |  | Provided payment changes that will be added to the end of the original loan term
Consumer indirect |  |  |  | Provided payment changes that will be added to the end of the original loan term
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty | The table below represents the payment status of loans to borrowers experiencing financial difficulty for the past 12 months as of September 30, 2025.
|  | Past Due Status (Amortized Cost Basis) |
(in thousands) |  | Current |  |  |  | 30-89 Days |  |  |  | 90+ Days |  |  | Nonaccrual |
Hotel/motel |  | $ | 834 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
Commercial real estate residential |  |  | 1,807 |  |  |  | 0 |  |  |  | 0 |  |  |  | 602 |
Commercial real estate nonresidential |  |  | 10,874 |  |  |  | 109 |  |  |  | 0 |  |  |  | 0 |
Dealer floorplans |  |  | 279 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial other |  |  | 2,143 |  |  |  | 545 |  |  |  | 314 |  |  |  | 24 |
Real estate mortgage |  |  | 10,168 |  |  |  | 1,062 |  |  |  | 728 |  |  |  | 216 |
Home equity lines |  |  | 170 |  |  |  | 245 |  |  |  | 0 |  |  |  | 166 |
Consumer direct |  |  | 231 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Consumer indirect |  |  | 873 |  |  |  | 28 |  |  |  | 0 |  |  |  | 0 |
Loans to borrowers experiencing financial difficulty |  | $ | 27,379 |  |  | $ | 1,989 |  |  | $ | 1,042 |  |  | $ | 1,008 |
Loans to Borrowers Experiencing Financial Difficulty That Subsequently Defaulted | T he allowance for credit losses may be increased, adjustments may be made in the allocation of the allowance, or partial charge-offs may be taken to further write-down the carrying value of the loan. During the quarter ended September 30, 2025, there were eleven loans to borrowers experiencing financial difficulty that subsequently defaulted. CTBI considers a loan in default when it is 90 days or more past due or transferred to nonaccrual. Presented below, segregated by segment, are loans to borrowers experiencing financial difficulty for which there was a payment default during the periods indicated and such default was within 12 months of the loan modification.
|  | Three Months Ended September 30, 2025 |
(in thousands) |  | Number of Loans |  |  | Recorded Balance |
Commercial: |  |  |  |  |  |  |  |
Commercial other |  |  | 2 |  |  | $ | 219 |
Residential: |  |  |  |  |  |  |  |
Real estate mortgage |  |  | 8 |  |  |  | 845 |
Home equity lines |  |  | 1 |  |  |  | 23 |
Loans to borrowers experiencing financial difficulty |  |  | 11 |  |  | $ | 1,087 |
|  | Nine Months Ended September 30, 2025 |
(in thousands) |  | Number of Loans |  |  | Recorded Balance |
Commercial: |  |  |  |  |  |  |  |
Commercial other |  |  | 3 |  |  | $ | 314 |
Residential: |  |  |  |  |  |  |  |
Real estate mortgage |  |  | 12 |  |  |  | 1,075 |
Home equity lines |  |  | 1 |  |  |  | 23 |
Loans to borrowers experiencing financial difficulty |  |  | 16 |  |  | $ | 1,412 |
|  | Three Months Ended September 30, 2024 |
(in thousands) |  | Number of Loans |  |  | Recorded Balance |
Real estate mortgage |  |  | 5 |  |  | $ | 467 |
Total loans experiencing financial difficulty |  |  | 5 |  |  | $ | 467 |
|  | Nine Months Ended September 30, 2024 |
(in thousands) |  | Number of Loans |  |  | Recorded Balance |
Commercial real estate residential |  |  | 1 |  |  | $ | 237 |
Commercial other |  |  | 4 |  |  |  | 316 |
Real estate mortgage |  |  | 8 |  |  |  | 1,263 |
Total loans experiencing financial difficulty |  |  | 13 |  |  | $ | 1,816 |
Unfunded Commitment Off Balance Sheet Credit Exposure | The total unfunded commitment off-balance sheet credit exposure at September 30, 2025 and 2024 is presented below:
| Three Months Ended September 30, 2025 |
(in thousands) | Beginning Balance |  | Provision Charged to Expense |  | Losses Charged Off |  | Recoveries |  | Ending Balance |
ACL for unfunded commitments: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 899 |  |  | $ | (77 | ) |  | $ | 0 |  |  | $ | 0 |  |  | $ | 822 |
Real estate mortgage |  |  | 420 |  |  |  | (115 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 305 |
Consumer |  |  | 23 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 23 |
Total unfunded commitment off-balance sheet credit exposure |  | $ | 1,342 |  |  | $ | (192 | ) |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,150 |
| Nine Months Ended September 30, 2025 |
(in thousands) | Beginning Balance |  | Provision Charged to Expense |  | Losses Charged Off |  | Recoveries |  | Ending Balance |
ACL for unfunded commitments: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,071 |  |  | $ | (249 | ) |  | $ | 0 |  |  | $ | 0 |  |  | $ | 822 |
Real estate mortgage |  |  | 372 |  |  |  | (67 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 305 |
Consumer |  |  | 22 |  |  |  | 1 |  |  |  | 0 |  |  |  | 0 |  |  |  | 23 |
Total unfunded commitment off-balance sheet credit exposure |  | $ | 1,465 |  |  | $ | (315 | ) |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,150 |
| Three Months Ended September 30, 2024 |
(in thousands) | Beginning Balance |  | Provision Charged to Expense |  | Losses Charged Off |  | Recoveries |  | Ending Balance |
ACL for unfunded commitments: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,071 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,071 |
Real estate mortgage |  |  | 372 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 372 |
Consumer |  |  | 22 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 22 |
Total unfunded commitment off-balance sheet credit exposure |  | $ | 1,465 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,465 |
| Nine Months Ended September 30, 2024 |
(in thousands) | Beginning Balance |  | Provision Charged to Expense |  | Losses Charged Off |  | Recoveries |  | Ending Balance |
ACL for unfunded commitments: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,071 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,071 |
Real estate mortgage |  |  | 372 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 372 |
Consumer |  |  | 22 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 22 |
Total unfunded commitment off-balance sheet credit exposure |  | $ | 1,465 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,465 |

X
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