EX-99.1 3 ctbi0925invpres8kex99.htm CTBI SEPTEMBER 2025 INVESTOR PRESENTATION 8-K EXHIBIT 99.1
September 2025

Cautionary Statement Information provided herein by CTBI contains “forward-looking” information. CTBI cautions that any forward-looking statements made are not guarantees of future performance and that actual results may differ materially from those in the forward-looking statements. Please refer to CTBI’s 2024 Annual Report on Form 10-K, Cautionary Statement Regarding Forward Looking Statements for additional information. 2

Key Metrics Total Assets $6.4 billion Market Capitalization $958.1 million Cash Dividend Yield 3.55% P/E Ratio 10.1x Price to Book Value 1.2x Price to Tangible Book Value 1.3x Tangible Common Equity Ratio 11.72% Competitive Position 3rd largest Kentucky domiciled bank holding company 2nd in Kentucky in deposit market share of all Kentucky domiciled FDIC insured institutions 7th largest bank in Kentucky in terms of deposit market share of all FDIC insured institutions Financial data as of June 30, 2025 Deposit market share as of June 30, 2024 3

Corporate History 1903 Pikeville National bank formed 1987-2005 Acquired 14 banks and purchased 17 branch locations 1997 Changed name to Community Trust Bancorp, Inc. 2010 Acquired LaFollette First National Corporation Presently Two operational subsidiaries~ Community Trust Bank, Inc. and Community Trust and Investment Company 4

Our Banking Franchise Serving customers in 81 locations in 37 counties throughout Kentucky, Tennessee, and West Virginia, including 5 trust offices in Kentucky and Tennessee

Our Banking Franchise Central Region Eastern Region Northeastern Region Loans - $1.1 billion Loans - $1.0 billion Loans - $530 million Deposits - $1.4 billion Deposits - $2.1 billion Deposits - $719 million • Danville • Floyd/Knott/Johnson • Advantage Valley • Lexington • Hazard • Ashland • Mt. Sterling • Pikeville • Flemingsburg • Richmond • Tug Valley • Summersville • Versailles • Whitesburg • Winchester South Central Region Indirect Lending Loans - $1.1 billion Loans - $902 million Deposits - $1.2 billion • Campbellsville CTIC • LaFollette Assets Under Management - $3.8 billion (including $1.0 billion CTB) • Middlesboro Revenues - $11.5 million • Mt. Vernon • Williamsburg • Ashland • LaFollette • Lexington • Pikeville • Versailles Financial data as of June 30, 2025 6

Trust Assets Under Management & Trust Revenue Includes CTB portfolio Assets in billions Revenue in millions 7

Executive Management Team Banking Yrs. w/ Name Position Experience CTBI Mark A. Gooch Chairman, President, and CEO 44 years 44 Richard W. Newsom CTB President 42 years 42 Andy Waters CTIC President and CEO 38 years 21 Kevin J. Stumbo EVP/Chief Financial Officer 38 years 30 C. Wayne Hancock EVP/Chief Legal Officer 16 years 16 Mark Smith EVP/Chief Credit Officer 32 years 18 Thomas McCoy EVP/Operations 33 years 33 Steven E. Jameson EVP/Chief Risk Officer 40 years 21 Ricky Sparkman EVP/SC KY/TN President 40 years 31 D. Andrew Jones EVP/NE KY/WV President 38 years 38 David Tackett EVP/E KY President 37 years 33 Billie Dollins EVP/C KY President 44 years 15 8

Operational Philosophy Traditional community banking business model Executive management and board of director commitment to strong corporate governance Decentralized decision making and centralized operations and risk management Strong loan portfolio risk management process Specialized product offerings Maintain a strong tangible equity position Organic growth expectations combined with de novo branching and acquisition Consistent long-term performance 9

Consistent Financial Performance YTD 2025 2024 2023 2022 2021 EPS $2.60 $4.61 $4.36 $4.59 $4.94 ROAA 1.51% 1.41% 1.40% 1.50% 1.63% ROAE 12.01% 11.31% 11.75% 12.74% 12.88% Net Int. Margin 3.61% 3.36% 3.32% 3.32% 3.21% Efficiency Ratio 51.26% 52.57% 54.29% 53.07% 53.11% Nonperforming Loans 0.52% 0.59% 0.34% 0.41% 0.49% Net Charge-offs 0.13% 0.13% 0.08% 0.02% 0.00% % of Average Assets: Noninterest Income 0.98% 1.05% 1.02% 1.07% 1.13% Noninterest Expense 2.26% 2.22% 2.25% 2.23% 2.21% 10 All information is for the year ended December 31 except YTD 2025 which is for the six months ended June 30.

Earnings Review

Earnings Per Share YTD EPS increased 22.1% from June 2024 to June 2025 12

Net Income YTD net income increased 22.8% from June 2024 to June 2025 (in millions) 13

Revenues YTD revenues increased 13.5% from June 2024 to June 2025 (in millions) 14 June data annualized

Noninterest Incomeas a % of Total Revenue YTD noninterest income increased 0.7% from June 2024 to June 2025 (in millions) 15 June data annualized

Net Interest Revenue Net interest revenue increased by 18.0% year over year for the six months ended June 30 Net interest margin increased 30 basis points Average earning assets increased $452.0 million, or 8.3% (in millions) 16 June data annualized

Net Interest Margin Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 3/31/2025 for bank holding companies with consolidated assets of $3 billion to $10 billion. 17 Jun ’25 Mar ’25 Dec ’24 Sept ’24 Jun ’24 Mar ’24 Net Interest Margin 3.64% 3.57% 3.43% 3.39% 3.38% 3.23% Yield on Earning Assets 5.76% 5.71% 5.66% 5.72% 5.66% 5.55% Cost of Interest Bearing Deposits 3.00% 3.02% 3.18% 3.36% 3.30% 3.35% Benefit of Noninterest Bearing Deposits 0.88% 0.88% 0.95% 1.03% 1.02% 1.03%

Net Noninterest Expenseas a % of Average Earning Assets Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 3/31/2025 for bank holding companies with consolidated assets of $3 billion to $10 billion. (in millions) 18 Noninterest Expense & Efficiency Ratio (in millions) June data annualized

Return on Average Assets Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 3/31/2025 for bank holding companies with consolidated assets of $3 billion to $10 billion. 19

Balance Sheet Review

Total Assets Total assets at 6/30/25 increased $197.7 million, or an annualized 6.4%, from 12/31/24 Loans increased $215.2 million or an annualized 9.7% Investment portfolio decreased $60.1 million or an annualized 11.4% Deposits increased $147.7 million or an annualized 5.6% (in billions) 21

Total Loans Loans increased $215.2 million, or 9.7% annualized, from 12/31/24 (in billions) 22 Loan Portfolio Mix June 30, 2025 Loan Rate Mix

Concentrations of Creditas a % of Total Loans June 30, 2025 23 There were no net losses in nonperforming loans in any of these loan categories for the six months ended June 30, 2025.

Indirect Lending (in millions) 24

Net Charge-offsas a % of Average Loans Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 3/31/2025 for bank holding companies with consolidated assets of $3 billion to $10 billion. 25 Nonperforming Loansas a % of Total Loans Commercial loans - $812 thousand Consumer indirect loans - $1.8 million Consumer direct loans - $287.0 thousand Residential loans - $59.0 thousand

Nonperforming Assetsas a % of Total Assets $4.9 million in other real estate owned 26 Loan Loss Reserve as a % of Net Loans Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 3/31/2025 for bank holding companies with consolidated assets of $3 billion to $10 billion.

Total Depositsincluding Repurchase Agreements (in billions) 27 June 30, 2025

Our Hoops CD product has been offered for over 27 years 100 basis point increase in rate in 1996, 1998, and 2012 with the University of Kentucky’s NCAA Basketball Championships $288 million in Hoops CDs as of 6/30/25 12 Month Certificate of Deposit: April 10th through maturity, rate paid is adjusted by 1 basis point for each University of Kentucky win; bonus 100 basis points added to rate for National Championship win. 28

Shareholder Value

Dividends Per Share Dividend payout ratio at June 30, 2025 was 36.2% Desired level between 40% and 50% June 30, 2025 cash dividend yield was 3.55% Quarterly cash dividend increased to $0.53 per share effective October 1, 2025, an increase of 12.8% 30 *2025 is projected DPS

Shareholders’ Equity Shareholders’ equity has increased 15.7% during the past five years 4.3% compound growth rate for the past five years (in millions) 31 4.3%

Book Value Per Share Tangible Common Equity/Assets 32

5 Year Cumulative Total ReturnComparison of CTBI, NASDAQ Stock Market (U.S.), and NASDAQ Bank Stocks An investment in CTBI stock on December 31, 2019 would have underperformed the NASDAQ Stock Market (U.S.) and the NASDAQ Bank Stocks Index at December 31, 2024. 33

Comparison to Russell 2000 Indexof Small Cap Companies 3-, 5-, and 10-year total returns annualized Return to Investors 34 June 30, 2025

Core Value Long-Term Investment 12 stock splits and 10 stock dividends 45 years of consecutive increases in cash dividends 5-year compound growth rate of cash dividends 4.7% Stock included in the NASDAQ Global Select Market, NASDAQ Dividend Achievers Index, and NASDAQ Bank Stock Index CTBI shareholders include 274 institutional investors (including CTIC – 10.9%) hold 11.9 million shares (63.6%) 298 mutual funds hold 5.5 million shares (30.3%) Data as of June 30, 2025 35

Key Strategic Initiatives

Operational Priorities Build core earnings capacity Quality loan growth Low cost deposit growth Branch expansion in growth markets Maintain net interest margin Operational efficiency Expense control Noninterest revenue growth Compliance management Increase noninterest income Wealth management Brokerage Insurance Continuing focus on improving asset quality 37

CTBI’s Franchise Value History of solid investor returns Historically strong capital position Investor focused dividend policy Dividend Achievers Index Consistent financial performance Community banking strategy Economic diversity in the markets we serve Strong experienced management team and nearly 1,000 dedicated employees Our shareholders 38

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