XML 22 R11.htm IDEA: XBRL DOCUMENT
v3.25.3

Loans | 9 Months Ended
--- | ---
Sep. 30, 2025
Loans [Abstract] |
Loans | Note 4 – 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 |
CTBI has segregated and evaluates our loan portfolio through nine portfolio segments with similar risk characteristics. CTBI serves customers in small and mid-sized communities in eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee. Therefore, CTBI’s exposure to credit risk is significantly affected by changes in these communities. Hotel/motel loans are a significant concentration for CTBI, representing approximately 10.1% of total loans. This industry has unique risk characteristics as it is highly susceptible to changes in the domestic and global economic environments, which can cause the industry to experience substantial volatility. Additionally, any hotel/motel construction loans would be included in this segment as CTBI’s construction loans are primarily completed as one loan going from construction to permanent financing. These loans are originated based on the borrower’s ability to service the debt and secondarily based on the fair value of the underlying collateral. Commercial real estate residential loans are commercial purpose construction and permanent financed loans for commercial purpose 1-4 family/multi-family properties. These loans are originated based on the borrower’s ability to service the debt and secondarily based on the fair value of the underlying collateral. Commercial real estate nonresidential loans are secured by nonfarm, nonresidential properties, farmland, and other commercial real estate. These loans are originated based on the borrower’s ability to service the debt and secondarily based on the fair value of the underlying collateral. Construction for commercial real estate nonresidential loans are also included in this segment as these loans are generally one loan for construction to permanent financing. Dealer floorplans consist of loans to dealerships to finance inventory and are collateralized under a blanket security agreement whereby all vehicle inventory is collateral against the outstanding loan without specific liens on individual units. Advances are made for the dealer cost of individual vehicles in inventory, and the loan is repaid from the proceeds from the sale of the financed vehicle. This risk is mitigated by the use of monthly inventory audits and follow-up is required on any out of compliance items identified. These audits are subject to increasing frequency when fact patterns suggest more scrutiny is required. Additional collateral or other credit enhancements (for example, personal guarantees from dealership owners) are typically obtained to further mitigate credit risk. Commercial other loans consist of agricultural loans, receivable financing, loans to financial institutions, loans for purchasing or carrying securities, and other commercial purpose loans. Commercial loans are underwritten based on the borrower’s ability to service debt from the business’s underlying cash flows. As a general practice, we obtain collateral such as equipment, or other assets, although such loans may be uncollateralized but guaranteed. Residential real estate loans are a mixture of fixed rate and adjustable rate first and second lien residential mortgage loans and also include real estate construction loans which are typically for owner-occupied properties. The terms of the real estate construction loans are generally short-term with permanent financing upon completion. As a policy, CTBI holds adjustable rate loans and sells the majority of our fixed rate first lien mortgage loans into the secondary market with those loans classified as held for sale and not included in loan balances. Changes in interest rates or market conditions may impact a borrower’s ability to meet contractual principal and interest payments. Residential real estate loans are secured by real property. Home equity lines are primarily revolving adjustable rate credit lines secured by real property. Consumer direct loans are a mixture of fixed rate and adjustable rate products comprised of unsecured loans, consumer revolving credit lines, deposit secured loans, and all other consumer purpose loans. Indirect loans are primarily fixed rate consumer loans secured by automobiles, trucks, vans, and recreational vehicles originated at the selling dealership underwritten and purchased by CTBI’s indirect lending department. Both new and used products are financed. Only dealers who have executed dealer agreements with CTBI participate in the indirect lending program. Loans identified to be sold into the secondary market are classified as held for sale and are not included in the loans balance above. Loans held for sale are recorded at lower of cost or fair value and were $0.5 million at September 30, 2025 and $0.2 million at December 31, 2024. Accrued interest receivable for loan balances was $20.5 million at September 30, 2025 and $18.7 million at December 31, 2024. Allowance for Credit Losses 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 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 |
Interest income recognized for the nine months ended September 30, 2025 on nonaccrual loans totaled $26.6 thousand and $189.4 thousand for the year ended December 31, 2024. 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 Quality Indicators CTBI categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. CTBI also considers the fair value of the underlying collateral and the strength and willingness of the guarantor(s). CTBI analyzes commercial loans individually by classifying the loans as to credit risk. Loans classified as loss, doubtful, substandard, or special mention are reviewed quarterly by CTBI for further deterioration or improvement to determine if appropriately classified and valued if deemed impaired. All other commercial loan reviews are completed every 12 to 18 months. In addition, during the renewal process of any loan, as well as if a loan becomes past due or if other information becomes available, CTBI will evaluate the loan grade. CTBI uses the following definitions for risk ratings:
| ➢ | Pass grades include investment grade, low risk, moderate risk, and acceptable risk loans. The loans range from loans that have no chance of resulting in a loss to loans that have a limited chance of resulting in a loss. Customers in this grade have excellent to fair credit ratings. The cash flows are adequate to meet required debt repayments.
| ➢ | Watch graded loans are loans that warrant extra management attention but are not currently criticized. Loans on the watch list may be potential troubled credits or may warrant “watch” status for a reason not directly related to the asset quality of the credit. The watch grade is a management tool to identify credits which may be candidates for future classification or may temporarily warrant extra management monitoring.
| ➢ | Other assets especially mentioned (OAEM) reflects loans that are currently protected but are potentially weak. These loans constitute an undue and unwarranted credit risk but not to the point of justifying a classification of substandard. The credit risk may be relatively minor yet constitute an unwarranted risk in light of circumstances surrounding a specific asset. Loans in this grade display potential weaknesses which may, if unchecked or uncorrected, inadequately protect CTBI’s credit position at some future date. The loans may be adversely affected by economic or market conditions.
| ➢ | Substandard grading indicates that the loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged. These loans have a well-defined weakness or weaknesses that jeopardize the orderly liquidation of the debt with the distinct possibility that CTBI will sustain some loss if the deficiencies are not corrected.
| ➢ | Doubtful graded loans have the weaknesses inherent in the substandard grading with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The probability of loss is extremely high, but because of certain important and reasonably specific pending factors which may work to CTBI’s advantage or strengthen the asset(s), its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral, and refinancing plans.
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 | )
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 | )
The total of consumer mortgage loans secured by real estate properties for which formal foreclosure proceedings are in process was $1.7 million at September 30, 2025 and $4.0 million at December 31, 2024. Individually Evaluated Loans 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 |
Based on the quarterly evaluation of losses for these credits, the combined amount of expected loss is $1.1 million. This expected loss is tied to four unrelated loans that demonstrate a shortfall in collateral which is insufficient to repay the principal balance of the loans in the event of a liquidation of the collateral and after estimated selling costs. All other evaluated credits show sufficient collateral to repay the entire loan balances after estimated selling costs. The hotel/motel, commercial real estate residential, and commercial real estate nonresidential segments are all collateralized with real estate. Four loans listed in the commercial other segment at September 30, 2025 are collateralized by inventory, equipment, and accounts receivable. The dealer floorplan is collateralized with automobiles. Loan Modifications 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 | %
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 |  |  |  |
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 | %
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
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 | %
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
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 | %
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
Loans retain their accrual status at the time of their modification. As a result, if a loan is on nonaccrual at the time it is modified, it stays as nonaccrual, and if a loan is on accrual at the time of the modification, it generally stays on accrual. Commercial and consumer loans modified due to a borrower’s financial difficulty are closely monitored for delinquency as an early indicator of possible future default. If a loan to a borrower experiencing financial difficulty subsequently defaults, CTBI evaluates the loan for possible further impairment. 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 |
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 |
Financial instrument credit losses apply to off-balance sheet credit exposures such as unfunded loan commitments and standby letters of credit. A liability for expected credit losses for off-balance sheet exposures is recognized if the entity has a present contractual obligation to extend the credit and the obligation is not unconditionally cancellable by the entity. Changes in this allowance are reflected in provision expense. 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
- Definition The entire disclosure for claims held for amounts due to entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Publisher FASB -URI https://asc.fasb.org/310-10/tableOfContent Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 835 -SubTopic 30 -Name Accounting Standards Codification -Section 45 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2 + Details
Name: | us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration