v3.26.1
Loans (Tables)
 6 Months Ended
Jun. 30, 2026
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:

 
(in thousands)
  
June 30
2026
    
December 31
2025
  
Hotel/motel
  
$
528,697
    
$
497,764
  
Commercial real estate residential
    
599,454
      
580,652
  
Commercial real estate nonresidential
    
1,005,462
      
959,915
  
Dealer floorplans
    
79,821
      
83,812
  
Commercial other
    
384,080
      
371,132
  
Commercial loans
    
2,597,514
      
2,493,275
  
                 
Real estate mortgage
    
1,289,157
      
1,206,820
  
Home equity lines
    
195,270
      
186,798
  
Residential loans
    
1,484,427
      
1,393,618
  
                 
Consumer direct
    
139,865
      
145,591
  
Consumer indirect
    
903,125
      
862,458
  
Consumer loans
    
1,042,990
      
1,008,049
  
                 
Net loans
  
$
5,124,931
    
$
4,894,942
  
Activity in ACL The following tables present the activity in the ACL for loans for the periods indicated.
   
Three Months Ended
June 30, 2026
  
($ in thousands)
  
Beginning
Balance
    
Provision
Charged to
Expense
    
Losses
Charged
Off
    
Recoveries
    
Ending
Balance
    
% of
Total
ACL
  
ACL
                                    
Hotel/motel
  
$
6,777
    
$
339
    
$
0
    
$
0
    
$
7,116
      
11.3
%
Commercial real estate residential
    
6,466
      
(170
)
    
0
      
5
      
6,301
      
10.0
  
Commercial real estate nonresidential
    
12,107
      
(583
)
    
(10
)
    
3
      
11,517
      
18.3
  
Dealer floorplans
    
837
      
18
      
0
      
0
      
855
      
1.3
  
Commercial other
    
3,916
      
583
      
(308
)
    
66
      
4,257
      
6.8
  
Real estate mortgage
    
14,687
      
1,090
      
(6
)
    
10
      
15,781
      
25.0
  
Home equity
    
1,301
      
99
      
0
      
1
      
1,401
      
2.2
  
Consumer direct
    
1,814
      
219
      
(338
)
    
108
      
1,803
      
2.9
  
Consumer indirect
    
13,416
      
1,002
      
(1,450
)
    
1,002
      
13,970
      
22.2
  
Total ACL
  
$
61,321
    
$
2,597
    
$
(2,112
)
  
$
1,195
    
$
63,001
      
100.0
%

   
Six Months Ended
June 30, 2026
  
($ in thousands)
  
Beginning
Balance
    
Provision
Charged to
Expense
    
Losses
Charged
Off
    
Recoveries
    
Ending
Balance
    
% of
Total
ACL
  
ACL
                                    
Hotel/motel
  
$
6,902
    
$
214
    
$
0
    
$
0
    
$
7,116
      
11.3
%
Commercial real estate residential
    
6,397
      
(99
)
    
(7
)
    
10
      
6,301
      
10.0
  
Commercial real estate nonresidential
    
11,630
      
(35
)
    
(84
)
    
6
      
11,517
      
18.3
  
Dealer floorplans
    
798
      
57
      
0
      
0
      
855
      
1.3
  
Commercial other
    
3,620
      
1,312
      
(860
)
    
185
      
4,257
      
6.8
  
Real estate mortgage
    
14,047
      
1,910
      
(195
)
    
19
      
15,781
      
25.0
  
Home equity
    
1,276
      
137
      
(14
)
    
2
      
1,401
      
2.2
  
Consumer direct
    
1,971
      
181
      
(563
)
    
214
      
1,803
      
2.9
  
Consumer indirect
    
13,528
      
1,390
      
(3,075
)
    
2,127
      
13,970
      
22.2
  
Total ACL
  
$
60,169
    
$
5,067
    
$
(4,798
)
  
$
2,563
    
$
63,001
      
100.0
%

   
Three Months Ended
June 30, 2025
  
($ in thousands)
  
Beginning
Balance
    
Provision
Charged to
Expense
    
Losses
Charged
Off
    
Recoveries
    
Ending
Balance
    
% of
Total
ACL
  
ACL
                                    
Hotel/motel
  
$
5,594
    
$
10
    
$
0
    
$
0
    
$
5,604
      
9.7
%
Commercial real estate residential
    
6,059
      
457
      
(41
)
    
5
      
6,480
      
11.2
  
Commercial real estate nonresidential
    
11,381
      
72
      
0
      
4
      
11,457
      
19.8
  
Dealer floorplans
    
551
      
(44
)
    
0
      
0
      
507
      
0.9
  
Commercial other
    
3,936
      
220
      
(551
)
    
106
      
3,711
      
6.4
  
Real estate mortgage
    
12,322
      
630
      
(2
)
    
3
      
12,953
      
22.4
  
Home equity
    
1,309
      
298
      
(7
)
    
4
      
1,604
      
2.8
  
Consumer direct
    
2,127
      
104
      
(199
)
    
99
      
2,131
      
3.7
  
Consumer indirect
    
13,682
      
470
      
(1,728
)
    
954
      
13,378
      
23.1
  
Total ACL
  
$
56,961
    
$
2,217
    
$
(2,528
)
  
$
1,175
    
$
57,825
      
100
%
   
Six Months Ended
June 30, 2025
  
($ in thousands)
  
Beginning
Balance
    
Provision
Charged to
Expense
    
Losses
Charged
Off
    
Recoveries
    
Ending
 Balance
    
% of
Total
ACL
  
ACL
                                    
Hotel/motel
  
$
5,208
    
$
396
    
$
0
    
$
0
    
$
5,604
      
9.7
%
Commercial real estate residential
    
5,467
      
1,062
      
(59
)
    
10
      
6,480
      
11.2
  
Commercial real estate nonresidential
    
10,307
      
1,144
      
(2
)
    
8
      
11,457
      
19.8
  
Dealer floorplans
    
682
      
(175
)
    
0
      
0
      
507
      
0.9
  
Commercial other
    
3,832
      
648
      
(955
)
    
186
      
3,711
      
6.4
  
Real estate mortgage
    
12,504
      
514
      
(80
)
    
15
      
12,953
      
22.4
  
Home equity
    
1,499
      
99
      
(7
)
    
13
      
1,604
      
2.8
  
Consumer direct
    
2,221
      
197
      
(467
)
    
180
      
2,131
      
3.7
  
Consumer indirect
    
13,248
      
1,900
      
(3,680
)
    
1,910
      
13,378
      
23.1
  
Total ACL
  
$
54,968
    
$
5,785
    
$
(5,250
)
  
$
2,322
    
$
57,825
      
100
%
Unfunded Commitment Off Balance Sheet Credit Exposure The total unfunded commitment off-balance sheet credit exposure is presented below.
   
Three Months Ended
June 30, 2026
  
(in thousands)
  
Beginning
Balance
    
Provision
Charged to
Expense
    
Losses
Charged Off
    
Recoveries
    
Ending
Balance
  
ACL for unfunded commitments:
                              
Commercial
  
$
832
    
$
144
    
$
0
    
$
0
    
$
976
  
Real estate mortgage
    
260
      
18
      
0
      
0
      
278
  
Consumer
    
18
      
12
      
0
      
0
      
30
  
Total unfunded commitment off-balance sheet credit exposure
  
$
1,110
    
$
174
    
$
0
    
$
0
    
$
1,284
  

   
Six Months Ended
June 30, 2026
  
(in thousands)
  
Beginning
Balance
    
Provision
Charged to
Expense
    
Losses
Charged Off
    
Recoveries
    
Ending
Balance
  
ACL for unfunded commitments:
                              
Commercial
  
$
950
    
$
26
    
$
0
    
$
0
    
$
976
  
Real estate mortgage
    
298
      
(20
)
    
0
      
0
      
278
  
Consumer
    
21
      
9
      
0
      
0
      
30
  
Total unfunded commitment off-balance sheet credit exposure
  
$
1,269
    
$
15
    
$
0
    
$
0
    
$
1,284
  
   
Three Months Ended
June 30, 2025
  
(in thousands)
  
Beginning
Balance
    
Provision
Charged to
Expense
    
Losses
Charged Off
    
Recoveries
    
Ending
Balance
  
ACL for unfunded commitments:
                              
Commercial
  
$
1,071
    
$
(172
)
  
$
0
    
$
0
    
$
899
  
Real estate mortgage
    
372
      
48
      
0
      
0
      
420
  
Consumer
    
22
      
1
      
0
      
0
      
23
  
Total unfunded commitment off-balance sheet credit exposure
  
$
1,465
    
$
(123
)
  
$
0
    
$
0
    
$
1,342
  

   
Six Months Ended
June 30, 2025
  
(in thousands)
  
Beginning
Balance
    
Provision
Charged to
Expense
    
Losses
Charged Off
   
Recoveries
    
Ending
Balance
  
ACL for unfunded commitments:
                              
Commercial
  
$
1,071
    
$
(172
)
  
$
0
    
$
0
    
$
899
  
Real estate mortgage
    
372
      
48
      
0
      
0
      
420
  
Consumer
    
22
      
1
      
0
      
0
      
23
  
Total unfunded commitment off-balance sheet credit exposure
  
$
1,465
    
$
(123
)
  
$
0
    
$
0
    
$
1,342
  
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, were as follows:

   
June 30, 2026
  
 (in thousands)
  
Nonaccrual Loans
with No ACL
    
Nonaccrual Loans
with ACL
    
90+ and Still
Accruing
    
Total
Nonperforming
Loans
  
                         
Commercial real estate residential
  
$
0
    
$
917
    
$
1,700
    
$
2,617
  
Commercial real estate nonresidential
    
83
      
3,699
      
1,361
      
5,143
  
Commercial other
    
33
      
1,792
      
8,816
      
10,641
  
Total commercial loans
    
116
      
6,408
      
11,877
      
18,401
  
                                 
Real estate mortgage
    
0
      
4,063
      
5,575
      
9,638
  
Home equity lines
    
0
      
207
      
747
      
954
  
Total residential loans
     0
      
4,270
      
6,322
      
10,592
  
                                 
Consumer direct
    
0
      
0
      
132
      
132
  
Consumer indirect
    
0
      
0
      
620
      
620
  
Total consumer loans
    
0
      
0
      
752
      
752
  
                                 
Loans and lease financing
  
$
116
    
$
10,678
    
$
18,951
    
$
29,745
  
   
December 31, 2025
  
 (in thousands)
  
Nonaccrual Loans
with No ACL
    
Nonaccrual Loans
with ACL
    
90+ and Still
Accruing
    
Total
Nonperforming
Loans
  
                         
Commercial real estate residential
  
$
0
    
$
867
    
$
2,085
    
$
2,952
  
Commercial real estate nonresidential
    
86
      
2,972
      
1,187
      
4,245
  
Commercial other
    
26
      
896
      
901
      
1,823
  
Total commercial loans
    
112
      
4,735
      
4,173
      
9,020
  
                                 
Real estate mortgage
    
0
      
3,429
      
5,098
      
8,527
  
Home equity lines
    
0
      
263
      
624
      
887
  
Total residential loans
    
0
      
3,692
      
5,722
      
9,414
  
                                 
Consumer direct
    
0
      
0
      
51
      
51
  
Consumer indirect
    
0
      
0
      
677
      
677
  
Total consumer loans
    
0
      
0
      
728
      
728
  
                                 
Loans and lease financing
  
$
112
    
$
8,427
    
$
10,623
    
$
19,162
  
Bank's Loan Portfolio Aging Analysis, Segregated by Loan Segment
The following tables present CTBI’s loan portfolio aging analysis, segregated by loan segment (including loans 90 days past due and still accruing):

   
June 30, 2026
  
(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
    
$
528,697
    
$
528,697
  
Commercial real estate residential
    
990
      
394
      
1,876
      
3,260
      
596,194
      
599,454
  
Commercial real estate nonresidential
    
2,966
      
1,148
      
3,848
      
7,962
      
997,500
      
1,005,462
  
Dealer floorplans
    
0
      
0
      
0
      
0
      
79,821
      
79,821
  
Commercial other
    
962
      
578
      
9,805
      
11,345
      
372,735
      
384,080
  
Total commercial loans
    
4,918
      
2,120
      
15,529
      
22,567
      
2,574,947
      
2,597,514
  
                                                 
Real estate mortgage
    
1,683
      
4,072
      
8,551
      
14,306
      
1,274,851
      
1,289,157
  
Home equity lines
    
1,843
      
860
      
829
      
3,532
      
191,738
      
195,270
  
Total residential loans
    
3,526
      
4,932
      
9,380
      
17,838
      
1,466,589
      
1,484,427
  
                                                 
Consumer direct
    
550
      
207
      
132
      
889
      
138,976
      
139,865
  
Consumer indirect
    
4,008
      
1,219
      
620
      
5,847
      
897,278
      
903,125
  
Total consumer loans
    
4,558
      
1,426
      
752
      
6,736
      
1,036,254
      
1,042,990
  
                                                 
Loans and lease financing
  
$
13,002
    
$
8,478
    
$
25,661
    
$
47,141
    
$
5,077,790
    
$
5,124,931
  
   
December 31, 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
  
$
0
    
$
0
    
$
0
    
$
0
    
$
497,764
    
$
497,764
  
Commercial real estate residential
    
216
      
282
      
2,262
      
2,760
      
577,892
      
580,652
  
Commercial real estate nonresidential
    
2,010
      
2,814
      
4,005
      
8,829
      
951,086
      
959,915
  
Dealer floorplans
    
0
      
0
      
0
      
0
      
83,812
      
83,812
  
Commercial other
    
830
      
87
      
1,548
      
2,465
      
368,667
      
371,132
  
Total commercial loans
    
3,056
      
3,183
      
7,815
      
14,054
      
2,479,221
      
2,493,275
  
                                                 
Real estate mortgage
    
2,543
      
4,063
      
7,594
      
14,200
      
1,192,620
      
1,206,820
  
Home equity lines
    
1,435
      
451
      
644
      
2,530
      
184,268
      
186,798
  
Total residential loans
    
3,978
      
4,514
      
8,238
      
16,730
      
1,376,888
      
1,393,618
  
                                                 
Consumer direct
    
1,203
      
377
      
51
      
1,631
      
143,960
      
145,591
  
Consumer indirect
    
3,767
      
962
      
677
      
5,406
      
857,052
      
862,458
  
Total consumer loans
    
4,970
      
1,339
      
728
      
7,037
      
1,001,012
      
1,008,049
  
                                                 
Loans and lease financing
  
$
12,004
    
$
9,036
    
$
16,781
    
$
37,821
    
$
4,857,121
    
$
4,894,942
  
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 June 30, 2026
  
(in thousands)
  
2026
    
2025
    
2024
    
2023
    
2022
    
Prior
    
Revolving Loans
    
Total
  
Hotel/motel
                                                
Risk rating:
                                                
Pass
  
$
58,883
    
$
81,909
    
$
57,804
    
$
71,391
    
$
109,300
    
$
99,598
    
$
4,169
    
$
483,054
  
Watch
    
0
      
0
      
0
      
1,987
      
18,433
      
14,059
      
0
      
34,479
  
OAEM
    
0
      
0
      
0
      
0
      
0
      
6,664
      
0
      
6,664
  
Substandard
    
0
      
0
      
728
      
0
      
3,772
      
0
      
0
      
4,500
  
Doubtful
    
0
      
0
      
0
      
0
      
0
      
0
      
0
      
0
  
Total hotel/motel
    
58,883
      
81,909
      
58,532
      
73,378
      
131,505
      
120,321
      
4,169
      
528,697
  
                                                                 
Hotel/motel year-to-date gross charge-offs
    
0
      
0
      
0
      
0
      
0
      
0
      
0
      
0
  
                                                                 
Commercial real estate residential
                                                                
Risk rating:
                                                                
Pass
    
71,476
      
147,885
      
93,267
      
85,786
      
59,739
      
84,332
      
26,570
      
569,055
  
Watch
    
5,092
      
2,678
      
911
      
4,184
      
557
      
9,125
      
532
      
23,079
  
OAEM
    
0
      
0
      
0
      
0
      
0
      
48
      
0
      
48
  
Substandard
    
1,122
      
692
      
480
      
413
      
349
      
4,216
      
0
      
7,272
  
Doubtful
    
0
      
0
      
0
      
0
      
0
      
0
      
0
      
0
  
Total commercial real estate residential
    
77,690
      
151,255
      
94,658
      
90,383
      
60,645
      
97,721
      
27,102
      
599,454
  
                                                                 
Commercial real estate residential year-to-date gross charge-offs
    
0
      
0
      
0
      
0
      
0
      
(7
)
    
0
      
(7
)
                                                                 
Commercial real estate nonresidential
                                                                
Risk rating:
                                                
Pass
    
121,723
      
179,496
      
129,023
      
79,736
      
101,263
      
246,466
      
64,222
      
921,929
  
Watch
    
761
      
4,758
      
6,830
      
10,043
      
6,150
      
24,074
      
1,036
      
53,652
  
OAEM
    
0
      
0
      
0
      
0
      
0
      
0
      
0
      
0
  
Substandard
    
8,835
      
1,776
      
458
      
1,761
      
2,419
      
14,441
      
191
      
29,881
  
Doubtful
    
0
      
0
      
0
      
0
      
0
      
0
      
0
      
0
  
Total commercial real estate nonresidential
    
131,319
      
186,030
      
136,311
      
91,540
      
109,832
      
284,981
      
65,449
      
1,005,462
  
                                                                 
Commercial real estate nonresidential year-to-date gross charge-offs
    
0
      
0
      
(4
)
    
(79
)
    
0
      
(1
)
    
0
      
(84
)
                                                                 
Dealer floorplans
                                                                
Risk rating:
                                                                
Pass
    
0
      
0
      
0
      
0
      
0
      
0
      
67,981
      
67,981
  
Watch
    
0
      
0
      
0
      
0
      
0
      
0
      
11,840
      
11,840
  
OAEM
    
0
      
0
      
0
      
0
      
0
      
0
      
0
      
0
  
Substandard
    
0
      
0
      
0
      
0
      
0
      
0
      
0
      
0
  
Doubtful
    
0
      
0
      
0
      
0
      
0
      
0
      
0
      
0
  
Total dealer floorplans
    
0
      
0
      
0
      
0
      
0
      
0
      
79,821
      
79,821
  
                                                                 
Dealer floorplans year-to-date gross charge-offs
    
0
      
0
      
0
      
0
      
0
      
0
      
0
      
0
  
                                                                 
Commercial other
                                                                
Risk rating:
                                                                
Pass
    
66,787
      
74,276
      
18,092
      
26,722
      
26,546
      
36,198
      
94,376
      
342,997
  
Watch
    
362
      
1,404
      
3,736
      
473
      
358
      
8,288
      
5,388
      
20,009
  
OAEM
    
0
      
0
      
0
      
0
      
0
      
18
      
0
      
18
  
Substandard
    
1,596
      
10,218
      
1,176
      
2,984
      
377
      
329
      
4,229
      
20,909
  
Doubtful
    
147
      
0
      
0
      
0
      
0
      
0
      
0
      
147
  
Total commercial other
    
68,892
      
85,898
      
23,004
      
30,179
      
27,281
      
44,833
      
103,993
      
384,080
  
                                                                 
Commercial other year-to-date gross charge-offs
    
(375
)
    
(303
)
    
(146
)
    
0
      
(22
)
    
(14
)
    
0
      
(860
)
                                                                 
Commercial loans
                                                                
Risk rating:
                                                                
Pass
    
318,869
      
483,566
      
298,186
      
263,635
      
296,848
      
466,594
      
257,318
      
2,385,016
  
Watch
    
6,215
      
8,840
      
11,477
      
16,687
      
25,498
      
55,546
      
18,796
      
143,059
  
OAEM
    
0
      
0
      
0
      
0
      
0
      
6,730
      
0
      
6,730
  
Substandard
    
11,553
      
12,686
      
2,842
      
5,158
      
6,917
      
18,986
      
4,420
      
62,562
  
Doubtful
    
147
      
0
      
0
      
0
      
0
      
0
      
0
      
147
  
Total commercial loans
    
336,784
      
505,092
      
312,505
      
285,480
      
329,263
      
547,856
      
280,534
      
2,597,514
  
                                                                 
Total commercial loans year-to-date gross charge-offs
  
$
(375
)
  
$
(303
)
  
$
(150
)
  
$
(79
)
  
$
(22
)
  
$
(22
)
  
$
0
    
$
(951
)
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 2025
  
(in thousands)
  
2025
    
2024
    
2023
    
2022
    
2021
    
Prior
    
Revolving Loans
    
Total
  
Hotel/motel
                                                
Risk rating:
                                                
Pass
  
$
83,005
    
$
58,850
    
$
79,857
    
$
116,984
    
$
24,564
    
$
86,215
    
$
5,604
    
$
455,079
  
Watch
    
0
      
0
      
2,010
      
18,679
      
0
      
11,022
      
0
      
31,711
  
OAEM
    
0
      
0
      
0
      
0
      
6,403
      
0
      
0
      
6,403
  
Substandard
    
0
      
748
      
0
      
3,823
      
0
      
0
      
0
      
4,571
  
Doubtful
    
0
      
0
      
0
      
0
      
0
      
0
      
0
      
0
  
Total hotel/motel
    
83,005
      
59,598
      
81,867
      
139,486
      
30,967
      
97,237
      
5,604
      
497,764
  
                                                                 
Hotel/motel year-to-date gross charge-offs
    
0
      
0
      
0
      
0
      
0
      
0
      
0
      
0
  
                                                                 
Commercial real estate residential
                                                                
Risk rating:
                                                                
Pass
    
174,717
      
100,517
      
91,321
      
63,970
      
50,454
      
44,689
      
22,447
      
548,115
  
Watch
    
9,182
      
937
      
4,018
      
489
      
3,543
      
5,512
      
174
      
23,855
  
OAEM
    
0
      
0
      
192
      
0
      
0
      
52
      
0
      
244
  
Substandard
    
2,074
      
511
      
490
      
598
      
1,835
      
2,881
      
49
      
8,438
  
Doubtful
    
0
      
0
      
0
      
0
      
0
      
0
      
0
      
0
  
Total commercial real estate residential
    
185,973
      
101,965
      
96,021
      
65,057
      
55,832
      
53,134
      
22,670
      
580,652
  
                                                                 
Commercial real estate residential year-to-date gross charge-offs
    
(160
)
    
(18
)
    
(125
)
    
0
      
0
      
(16
)
    
0
      
(319
)
                                                                 
Commercial real estate nonresidential
                                                                
Risk rating:
                                                                
Pass
    
180,461
      
163,870
      
98,249
      
106,344
      
99,628
      
169,989
      
55,839
      
874,380
  
Watch
    
3,840
      
6,849
      
12,112
      
6,839
      
17,310
      
10,136
      
1,011
      
58,097
  
OAEM
    
0
      
99
      
0
      
0
      
0
      
0
      
0
      
99
  
Substandard
    
3,889
      
431
      
2,127
      
2,390
      
2,379
      
16,122
      
0
      
27,338
  
Doubtful
    
0
      
0
      
0
      
0
      
0
      
1
      
0
      
1
  
Total commercial real estate nonresidential
    
188,190
      
171,249
      
112,488
      
115,573
      
119,317
      
196,248
      
56,850
      
959,915
  
                                                                 
Commercial real estate nonresidential year-to-date gross charge-offs
    
0
      
(1,375
)
    
0
      
0
      
0
      
(2
)
    
0
      
(1,377
)
                                                                 
Dealer floorplans
                                                                
Risk rating:
                                                                
Pass
    
0
      
0
      
0
      
0
      
0
      
0
      
73,240
      
73,240
  
Watch
    
0
      
0
      
0
      
0
      
0
      
0
      
10,293
      
10,293
  
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
      
83,812
      
83,812
  
                                                                 
Dealer floorplans year-to-date gross charge-offs
    
0
      
0
      
0
      
0
      
0
      
0
      
0
      
0
  
                                                                 
Commercial other
                                                                
Risk rating:
                                                
Pass
    
97,104
      
37,248
      
35,594
      
29,023
      
21,350
      
19,299
      
86,954
      
326,572
  
Watch
    
1,713
      
1,017
      
813
      
515
      
149
      
419
      
14,035
      
18,661
  
OAEM
    
0
      
0
      
82
      
0
      
7,892
      
18
      
0
      
7,992
  
Substandard
    
11,973
      
1,219
      
3,071
      
466
      
94
      
320
      
657
      
17,800
  
Doubtful
    
107
      
0
      
0
      
0
      
0
      
0
      
0
      
107
  
Total commercial other
    
110,897
      
39,484
      
39,560
      
30,004
      
29,485
      
20,056
      
101,646
      
371,132
  
                                                                 
Commercial other year-to-date gross charge-offs
    
(892
)
    
(106
)
    
(260
)
    
(6
)
    
(268
)
    
(145
)
    
0
      
(1,677
)
                                                                 
Commercial loans
                                                                
Risk rating:
                                                                
Pass
    
535,287
      
360,485
      
305,021
      
316,321
      
195,996
      
320,192
      
244,084
      
2,277,386
  
Watch
    
14,735
      
8,803
      
18,953
      
26,522
      
21,002
      
27,089
      
25,513
      
142,617
  
OAEM
    
0
      
99
      
274
      
0
      
14,295
      
70
      
0
      
14,738
  
Substandard
    
17,936
      
2,909
      
5,688
      
7,277
      
4,308
      
19,323
      
985
      
58,426
  
Doubtful
    
107
      
0
      
0
      
0
      
0
      
1
      
0
      
108
  
Total commercial loans
  
$
568,065
    
$
372,296
    
$
329,936
    
$
350,120
    
$
235,601
    
$
366,675
    
$
270,582
    
$
2,493,275
  
                                                                 
Total commercial loans year-to-date gross charge-offs
  
$
(1,052
)
  
$
(1,499
)
  
$
(385
)
  
$
(6
)
  
$
(268
)
  
$
(163
)
  
$
0
    
$
(3,373
)
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 June 30, 2026
  
(in thousands)
  
2026
    
2025
    
2024
    
2023
    
2022
    
Prior
    
Revolving Loans
    
Total
  
Home equity lines
                                                
Performing
  
$
0
    
$
0
    
$
0
    
$
0
    
$
0
    
$
5,811
    
$
188,505
    
$
194,316
  
Nonperforming
    
0
      
0
      
0
      
0
      
0
      
278
      
676
      
954
  
Total home equity lines
    
0
      
0
      
0
      
0
      
0
      
6,089
      
189,181
      
195,270
  
                                                                 
Home equity year-to-date gross charge-offs
    
0
      
0
      
(11
)
    
0
      
0
      
(3
)
    
0
      
(14
)
                                                                 
Mortgage loans
                                                                
Performing
    
159,795
      
288,942
      
154,000
      
151,369
      
116,941
      
408,472
      
0
      
1,279,519
  
Nonperforming
    
670
      
1,529
      
1,125
      
1,839
      
1,187
      
3,288
      
0
      
9,638
  
Total mortgage loans
    
160,465
      
290,471
      
155,125
      
153,208
      
118,128
      
411,760
      
0
      
1,289,157
  
                                                                 
Mortgage loans year-to-date gross charge-offs
    
0
      
0
      
0
      
(108
)
    
(74
)
    
(13
)
    
0
      
(195
)
                                                                 
Residential loans
                                                                
Performing
    
159,795
      
288,942
      
154,000
      
151,369
      
116,941
      
414,283
      
188,505
      
1,473,835
  
Nonperforming
    
670
      
1,529
      
1,125
      
1,839
      
1,187
      
3,566
      
676
      
10,592
  
Total residential loans
    
160,465
      
290,471
      
155,125
      
153,208
      
118,128
      
417,849
      
189,181
      
1,484,427
  
                                                                 
Total residential loans year-to-date gross charge-offs
    
0
      
0
      
(11
)
    
(108
)
    
(74
)
    
(16
)
    
0
      
(209
)
                                                                 
Consumer direct loans
                                                                
Performing
    
31,169
      
37,371
      
21,828
      
16,864
      
9,866
      
22,635
      
0
      
139,733
  
Nonperforming
    
5
      
14
      
110
      
0
      
3
      
0
      
0
      
132
  
Total consumer direct loans
    
31,174
      
37,385
      
21,938
      
16,864
      
9,869
      
22,635
      
0
      
139,865
  
                                                                 
Consumer direct loans year-to-date gross charge-offs
    
0
      
(172
)
    
(101
)
    
(83
)
    
(18
)
    
(189
)
    
0
      
(563
)
                                                                 
Consumer indirect loans
                                                                
Performing
    
234,270
      
289,925
      
174,027
      
115,728
      
63,061
      
25,494
      
0
      
902,505
  
Nonperforming
    
12
      
102
      
86
      
271
      
113
      
36
      
0
      
620
  
Total consumer indirect loans
    
234,282
      
290,027
      
174,113
      
115,999
      
63,174
      
25,530
      
0
      
903,125
  
                                                                 
Consumer indirect loans year-to-date gross charge-offs
    
(34
)
    
(596
)
    
(606
)
    
(929
)
    
(717
)
    
(193
)
    
0
      
(3,075
)
                                                                 
Consumer loans
                                                                
Performing
    
265,439
      
327,296
      
195,855
      
132,592
      
72,927
      
48,129
      
0
      
1,042,238
  
Nonperforming
    
17
      
116
      
196
      
271
      
116
      
36
      
0
      
752
  
Total consumer loans
    
265,456
      
327,412
      
196,051
      
132,863
      
73,043
      
48,165
      
0
      
1,042,990
  
                                                                 
Total consumer loans year-to-date gross charge-offs
  
$
(34
)
  
$
(768
)
  
$
(707
)
  
$
(1,012
)
  
$
(735
)
  
$
(382
)
  
$
0
    
$
(3,638
)
Term Loans Amortized Cost Basis by Origination Year
As of December 31, 2025
  
(in thousands)
  
2025
    
2024
    
2023
    
2022
    
2021
    
Prior
    
Revolving Loans
    
Total
  
Home equity lines
                                                
Performing
  
$
0
    
$
0
    
$
0
    
$
0
    
$
0
    
$
5,744
    
$
180,167
    
$
185,911
  
Nonperforming
    
0
      
0
      
0
      
0
      
0
      
221
      
666
      
887
  
Total home equity lines
    
0
      
0
      
0
      
0
      
0
      
5,965
      
180,833
      
186,798
  
                                                                 
Home equity year-to-date gross charge-offs
    
0
      
0
      
0
      
0
      
0
      
(9
)
    
0
      
(9
)
                                                                 
Mortgage loans
                                                                
Performing
    
299,236
      
173,336
      
168,206
      
123,839
      
132,923
      
300,753
      
0
      
1,198,293
  
Nonperforming
    
708
      
1,387
      
1,213
      
1,905
      
547
      
2,767
      
0
      
8,527
  
Total mortgage loans
    
299,944
      
174,723
      
169,419
      
125,744
      
133,470
      
303,520
      
0
      
1,206,820
  
                                                                 
Mortgage loans year-to-date gross charge-offs
    
0
      
0
      
0
      
(37
)
    
(16
)
    
(189
)
    
0
      
(242
)
                                                                 
Residential loans
                                                                
Performing
    
299,236
      
173,336
      
168,206
      
123,839
      
132,923
      
306,497
      
180,167
      
1,384,204
  
Nonperforming
    
708
      
1,387
      
1,213
      
1,905
      
547
      
2,988
      
666
      
9,414
  
Total residential loans
  
$
299,944
    
$
174,723
    
$
169,419
    
$
125,744
    
$
133,470
    
$
309,485
    
$
180,833
    
$
1,393,618
  
                                                                 
Total residential loans year-to-date gross charge-offs
  
$
0
    
$
0
    
$
0
    
$
(37
)
  
$
(16
)
  
$
(198
)
  
$
0
    
$
(251
)
                                                                 
Consumer direct loans
                                                                
Performing
  
$
54,669
    
$
28,377
    
$
21,704
    
$
12,833
    
$
11,667
    
$
16,290
    
$
0
    
$
145,540
  
Nonperforming
    
22
      
0
      
29
      
0
      
0
      
0
      
0
      
51
  
Total consumer direct loans
    
54,691
      
28,377
      
21,733
      
12,833
      
11,667
      
16,290
      
0
      
145,591
  
                                                                 
Consumer direct loans year-to-date gross charge-offs
    
(69
)
    
(291
)
    
(292
)
    
(202
)
    
(55
)
    
(60
)
    
0
      
(969
)
                                                                 
Consumer indirect loans
                                                                
Performing
    
356,525
      
219,121
      
151,128
      
90,077
      
30,999
      
13,931
      
0
      
861,781
  
Nonperforming
    
83
      
104
      
233
      
122
      
107
      
28
      
0
      
677
  
Total consumer indirect loans
    
356,608
      
219,225
      
151,361
      
90,199
      
31,106
      
13,959
      
0
      
862,458
  
                                                                 
Consumer indirect loans year-to-date gross charge-offs
    
(245
)
    
(1,563
)
    
(3,283
)
    
(1,849
)
    
(503
)
    
(260
)
    
0
      
(7,703
)
                                                                 
Consumer loans
                                                                
Performing
    
411,194
      
247,498
      
172,832
      
102,910
      
42,666
      
30,221
      
0
      
1,007,321
  
Nonperforming
    
105
      
104
      
262
      
122
      
107
      
28
      
0
      
728
  
Total consumer loans
  
$
411,299
    
$
247,602
    
$
173,094
    
$
103,032
    
$
42,773
    
$
30,249
    
$
0
    
$
1,008,049
  
                                                                 
Total consumer loans year-to-date gross charge-offs
  
$
(314
)
  
$
(1,854
)
  
$
(3,575
)
  
$
(2,051
)
  
$
(558
)
  
$
(320
)
  
$
0
    
$
(8,672
)
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:

   
June 30, 2026
  
($ in thousands)
  
Number of
Loans
    
Recorded Investment
    
Specific
Reserve
  
Hotel/motel
    
2
    
$
10,076
    
$
0
  
Commercial real estate residential
    
1
      
1,521
      
0
  
Commercial real estate nonresidential
    
7
      
24,858
      
525
  
Commercial other
    
5
      
13,797
      
0
  
Total collateral dependent loans
    
15
    
$
50,252
    
$
525
  

   
December 31, 2025
  
($ in thousands)
  
Number of
Loans
    
Recorded Investment
    
Specific
Reserve
  
Hotel/motel
    
2
    
$
9,861
    
$
0
  
Commercial real estate residential
    
1
      
1,521
      
0
  
Commercial real estate nonresidential
    
6
      
17,094
      
725
  
Commercial other
    
4
      
19,191
      
0
  
Total collateral dependent loans
    
13
    
$
47,667
    
$
725
  
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 quarter ended June 30, 2026:

   
Amortized Cost at June 30, 2026
  
($ in thousands)
  
Interest Rate Reduction
    
% of total
    
Term Extension
    
% of total
  
Commercial real estate nonresidential
  
$
7,253
      
0.72
%
  
$
296
      
0.03
%
Commercial other
    
0
      
0.00
      
357
      
0.09
  
Commercial loans
    
7,253
      
0.28
      
653
      
0.03
  
                                 
Real estate mortgage
    
535
      
0.04
      
3,964
      
0.31
  
Residential loans
    
535
      
0.04
      
3,964
      
0.27
  
                                 
Consumer direct
    
0
      
0.00
      
73
      
0.05
  
Consumer indirect
    
0
      
0.00
      
54
      
0.01
  
Consumer loans
    
0
      
0.00
      
127
      
0.01
  
                                 
Loans and lease financing
  
$
7,788
      
0.15
%
  
$
4,744
      
0.09
%

   
Amortized Cost at June 30, 2026
  
($ in thousands)
  
Combination –
Term Extension
and Interest Rate
Reduction
    
% of total
    
Payment Change
    
% of total
  
Commercial real estate residential
  
$
40
      
0.01
%
  
$
0
      
0.00
%
Commercial real estate nonresidential
    
0
      
0.00
      
368
      
0.04
  
Commercial other
    
295
      
0.08
      
311
      
0.08
  
Commercial loans
    
335
      
0.01
      
679
      
0.03
  
                                 
Real estate mortgage
    
431
      
0.03
      
0
      
0.00
  
Home equity lines
    
169
      
0.09
      
0
      
0.00
  
Residential loans
    
600
      
0.04
      
0
      
0.00
  
                                 
Consumer indirect
    
0
      
0.00
      
21
      
0.00
  
Consumer loans
    
0
      
0.00
      
21
      
0.00
  
                                 
Loans and lease financing
  
$
935
      
0.02
%
  
$
700
      
0.01
%
   
Amortized Cost at June 30, 2026
  
($ in thousands)
  
Combination –
Term Extension
and Payment
Change
    
% of total
    
Combination –
Interest Rate
Reduction and
Payment Change
    
% of total
  
Real estate mortgage
  
$
0
      
0.00
%
  
$
487
      
0.04
%
Residential loans
    
0
      
0.00
      
487
      
0.03
  
                                 
Consumer indirect
    
48
      
0.01
      
0
      
0.00
  
Consumer loans
    
48
      
0.00
      
0
      
0.00
  
                                 
Loans and lease financing
  
$
48
      
0.00
%
  
$
487
      
0.01
%
These loans, segregated by loan segment and concession granted, are presented below for the six months ended June 30, 2026:

   
Amortized Cost at June 30, 2026
  
($ in thousands)
  
Interest Rate
Reduction
    
% of total
    
Term Extension
    
% of total
  
Commercial real estate residential
  
$
0
      
0.00
%
  
$
28
      
0.00
%
Commercial real estate nonresidential
    
7,253
      
0.72
      
296
      
0.03
  
Commercial other
    
0
      
0.00
      
518
      
0.13
  
Commercial loans
    
7,253
      
0.28
      
842
      
0.03
  
                                 
Real estate mortgage
    
1,651
      
0.13
      
5,827
      
0.45
  
Residential loans
    
1,651
      
0.11
      
5,827
      
0.39
  
                                 
Consumer direct
    
0
      
0.00
      
73
      
0.05
  
Consumer indirect
    
0
      
0.00
      
133
      
0.01
  
Consumer loans
    
0
      
0.00
      
206
      
0.02
  
                                 
Loans and lease financing
  
$
8,904
      
0.17
%
  
$
6,875
      
0.13
%

   
Amortized Cost at June 30, 2026
  
($ in thousands)
  
Combination –
Term Extension
and Interest Rate
Reduction
    
% of total
    
Payment Change
    
% of total
  
Commercial real estate residential
  
$
40
      
0.01
%
  
$
97
      
0.02
%
Commercial real estate nonresidential
    
0
      
0.00
      
2,731
      
0.27
  
Commercial other
    
321
      
0.08
      
372
      
0.10
  
Commercial loans
    
361
      
0.01
      
3,200
      
0.12
  
                                 
Real estate mortgage
    
529
      
0.04
      
0
      
0.00
  
Home equity lines
    
184
      
0.09
      
0
      
0.00
  
Residential loans
    
713
      
0.05
      
0
      
0.00
  
                                 
Consumer indirect
    
0
      
0.00
      
21
      
0.00
  
Consumer loans
    
0
      
0.00
      
21
      
0.00
  
                                 
Loans and lease financing
  
$
1,074
      
0.02
%
  
$
3,221
      
0.06
%
   
Amortized Cost at June 30, 2026
  
($ in thousands)
  
Combination –
Term Extension
and Payment
Change
    
% of total
    
Combination –
Interest Rate
Reduction and
Payment Change
    
% of total
  
Commercial real estate residential
  
$
60
      
0.01
%
  
$
0
      
0.00
%
Commercial loans
    
60
      
0.00
      
0
      
0.00
  
                                 
Real estate mortgage
    
20
      
0.00
      
487
      
0.04
  
Residential loans
    
20
      
0.00
      
487
      
0.03
  
                                 
Consumer indirect
    
98
      
0.01
      
0
      
0.00
  
Consumer loans
    
98
      
0.01
      
0
      
0.00
  
                                 
Loans and lease financing
  
$
178
      
0.00
%
  
$
487
      
0.01
%
   
Amortized Cost at June 30, 2025
  
($ in thousands)
  
Interest Rate
Reduction
    
% of total
    
Term Extension
    
% of total
  
Commercial real estate residential
  
$
0
      
0.00
%
  
$
299
      
0.05
%
Commercial real estate nonresidential
    
7,254
      
0.79
      
0
      
0.00
  
Commercial other
    
0
      
0.00
      
264
      
0.07
  
Commercial loans
    
7,254
      
0.30
      
563
      
0.02
  
                                 
Real estate mortgage
    
57
      
0.01
      
3,007
      
0.27
  
Home equity lines
    
0
      
0.00
      
107
      
0.06
  
Residential loans
    
57
      
0.00
      
3,114
      
0.24
  
                                 
Consumer direct
    
0
      
0.00
      
176
      
0.12
  
Consumer indirect
    
0
      
0.00
      
121
      
0.01
  
Consumer loans
    
0
      
0.00
      
297
      
0.03
  
                                 
Loans and lease financing
  
$
7,311
      
0.16
%
  
$
3,974
      
0.08
%

   
Amortized Cost at June 30, 2025
  
($ in thousands)
  
Combination –
Term Extension
and Interest Rate
 Reduction
    
% of total
    
Payment Change
    
% of total
  
Commercial real estate residential
    
498
      
0.09
      
0
      
0.00
  
Commercial real estate nonresidential
    
0
      
0.00
      
92
      
0.01
  
Commercial other
    
203
      
0.06
      
29
      
0.01
  
Commercial loans
    
701
      
0.03
      
121
      
0.01
  
                                 
Real estate mortgage
    
560
      
0.05
      
35
      
0.00
  
Home equity lines
    
49
      
0.03
      
0
      
0.00
  
Residential loans
    
609
      
0.05
      
35
      
0.00
  
                                 
Consumer indirect
    
0
      
0.00
      
51
      
0.01
  
Consumer loans
    
0
      
0.00
      
51
      
0.00
  
                                 
Loans and lease financing
  
$
1,310
      
0.03
%
  
$
207
      
0.00
%
   
Amortized Cost at June 30, 2025
  
($ in thousands)
  
Interest Rate Reduction
    
% of total
    
Term Extension
    
% of total
  
Commercial real estate residential
  
$
0
      
0.00
%
  
$
299
      
0.05
%
Commercial real estate nonresidential
    
7,382
      
0.81
      
2,466
      
0.27
  
Commercial other
    
0
      
0.00
      
1,260
      
0.35
  
Commercial loans
    
7,382
      
0.31
      
4,025
      
0.17
  
                                 
Real estate mortgage
    
374
      
0.03
      
5,137
      
0.46
  
Home equity lines
    
0
      
0.00
      
321
      
0.18
  
Residential loans
    
374
      
0.03
      
5,458
      
0.42
  
                                 
Consumer direct
    
0
      
0.00
      
223
      
0.15
  
Consumer indirect
    
0
      
0.00
      
286
      
0.03
  
Consumer loans
    
0
      
0.00
      
509
      
0.05
  
                                 
Loans and lease financing
  
$
7,756
      
0.16
%
  
$
9,992
      
0.21
%

   
Amortized Cost at June 30, 2025
  
($ in thousands)
  
Combination –
Term Extension
and Interest Rate
Reduction
    
% of total
    
Payment Change
    
% of total
  
Commercial real estate residential
  
$
975
      
0
%
  
$
0
      
0.00
%
Commercial real estate nonresidential
    
0
      
0.00
      
351
      
0.04
  
Commercial other
    
562
      
0.16
      
539
      
0.15
  
Commercial loans
    
1,537
      
0.06
      
890
      
0.04
  
                                 
Real estate mortgage
    
613
      
0.06
      
35
      
0.00
  
Home equity lines
    
50
      
0.03
      
0
      
0.00
  
Residential loans
    
663
      
0.05
      
35
      
0.00
  
                                 
Consumer indirect
    
0
      
0.00
      
155
      
0.02
  
Consumer loans
    
0
      
0.00
      
155
      
0.02
  
                                 
Loans and lease financing
  
$
2,200
      
0.05
%
  
$
1,080
      
0.02
%
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 quarter ended June 30, 2026:

Loan Type
  
Interest Rate Reduction
Financial Impact
  
Term Extension
Financial Impact
Commercial real estate nonresidential
  
Weighted-average contractual interest rate remained at 2.5%
  
Added a weighted-average 5.6 years to life of the loans
         
Commercial other
      
Added a weighted-average 1.7 years to life of the loans
         
Real estate mortgage
  
Reduced weighted-average contractual interest rate from 5.3% to 3.8%
  
Added a weighted-average 8.8 years to life of the loans
         
Consumer direct
      
Added a weighted-average 1.8 years to life of the loans
         
Consumer indirect
      
Added a weighted-average 3.0 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 9.8% to 7.8% and increased the weighted-average life by 13.2 years
    
         
Commercial real estate nonresidential
      
Provided payment changes that will be added to the end of the original loan term
         
Commercial other
  
Reduced weighted-average contractual interest rate from 8.5% to 7.8% and increased the weighted-average life by 15.3 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 3.5% to 3.0% and increased the weighted-average life by 7.4 years
    
         
Home equity lines
  
Reduced weighted-average contractual interest rate from 8.1% to 6.8% and increased the weighted-average life by 7.9 years
    
         
Consumer indirect
      
Provided payment changes that will be added to the end of the original loan term

Loan Type
  
Combination – Term Extension and
Payment Change
Financial Impact
  
Combination – Interest Rate Reduction and
Payment Change
Real estate mortgage
      
Reduced weighted-average contractual interest rate from 7.1% to 4.1% and provided payment changes with any deferred payments added to the end of the loan term.
         
Consumer indirect
  
Added a weighted-average 4.2 years to life of the loans and provided payment changes with any deferred payments added to the end of the loan term.
    
Loan Type
  
Interest Rate Reduction
Financial Impact
  
Term Extension
Financial Impact
Commercial real estate residential
      
Added a weighted-average 1.0 years to life of the loans
         
Commercial real estate nonresidential
  
Weighted-average contractual interest rate remained at 2.5%
  
Added a weighted-average 1.1 years to life of the loans
         
Commercial other
      
Added a weighted-average 0.5 years to life of the loans
         
Real estate mortgage
  
Reduced weighted-average contractual interest rate from 5.3% to 3.3%
  
Added a weighted-average 0.4 years to life of the loans
         
Consumer direct
      
Added a weighted-average 0.5 years to life of the loans
         
Consumer indirect
      
Added a weighted-average 0.5 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 9.8% to 7.8% and increased the weighted-average life by 13.2 years
  
Provided payment changes that will be added to the end of the original loan term.
         
Commercial real estate nonresidential
      
Provided payment changes that will be added to the end of the original loan term.
         
Commercial other
  
Reduced weighted-average contractual interest rate from 8.7% to 7.9% and increased the weighted-average life by 7.3 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 3.4% to 3.0% and increased the weighted-average life by 6.8 years
    
         
Home equity lines
  
Reduced weighted-average contractual interest rate from 8.0% to 6.8% and increased the weighted-average life by 3.9 years
    
         
Consumer indirect
      
Provided payment changes that will be added to the end of the original loan term.

Loan Type
  
Combination – Term Extension and
Payment Change
Financial Impact
  
Combination – Interest Rate Reduction and
Payment Change
Commercial real estate nonresidential
  
Added a weighted-average 0.3 years to life of the loans and provided payment changes with any deferred payments added to the end of the loan term.
    
         
Real estate mortgage
  
Added a weighted-average 5.0 years to life of the loans and provided payment changes with any deferred payments added to the end of the loan term.
  
Reduced weighted-average contractual interest rate from 7.1% to 4.1% and provided payment changes with any deferred payments added to the end of the loan term.
         
Consumer indirect
  
Added a weighted-average 1.7 years to life of the loans and provided payment changes with any deferred payments added  to the end of the loan term.
    
Loan Type
  
Interest Rate Reduction
Financial Impact
  
Term Extension
Financial Impact
Commercial real estate residential
      
Added a weighted-average 1.0 years to life of the loans
         
Commercial real estate nonresidential
  
Reduced weighted-average contractual interest rate from 7.5% to 2.0%
    
         
Commercial other
      
Added a weighted-average 1.9 years to life of the loans
         
Real estate mortgage
  
Reduced weighted-average contractual interest rate from 8.2% to 3.8%
  
Added a weighted-average 0.3 years to life of the loans
         
Home equity lines
      
Added a weighted-average 4.7 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 0.8 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 9.5% to 8.8% and increased the weighted-average life by 20.0 years
    
         
Commercial real estate nonresidential
      
Provided payment changes that will be added to the end of the original loan term
         
Commercial other
  
Reduced weighted-average contractual interest rate from 10.0% to 8.0% and increased the weighted-average life by 0.9 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 5.2% to 3.8% and increased the weighted-average life by 5.7 years
  
Provided payment changes that will be added to the end of the original loan term
         
Home Equity Lines
  
Weighted-average contractual interest rate remained at 7.5% and increased the weighted-average life by 4.6 years
    
         
Consumer indirect
      
Provided payment changes that will be added to the end of the original loan term
Loan Type
  
Interest Rate Reduction
Financial Impact
  
Term Extension
Financial Impact
Commercial real estate residential
      
Added a weighted-average 1.0 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 0.5 years to life of the loans
         
Commercial other
      
Added a weighted-average 4.2 years to life of the loans
         
Real estate mortgage
  
Reduced weighted-average contractual interest rate from 7.8% to 4.4%
  
Added a weighted-average 0.4 years to life of the loans
         
Home equity lines
      
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 0.9 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 9.2% to 8.2% and increased the weighted-average life by 16.0 years
    
         
Commercial real estate nonresidential
      
Provided payment changes that will be added to the end of the original loan term.
         
Commercial other
  
Increased weighted-average contractual interest rate from 6.5% to 8.0% and increased the weighted-average life by 6.5 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 3.7% and increased the weighted-average life by 5.3 years
  
Provided payment changes that will be added to the end of the original loan term.
         
Home equity lines
  
Weighted-average contractual interest rate remained at 7.5% and increased the weighted-average life by 4.6 years
    
         
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 June 30, 2026.
   
Past Due Status (Amortized Cost Basis)
  
(in thousands)
  
Current
    
30-89 Days
    
90+ Days
    
Nonaccrual
  
Commercial real estate residential
  
$
324
    
$
0
    
$
0
    
$
0
  
Commercial real estate nonresidential
    
11,179
      
178
      
0
      
0
  
Commercial other
    
1,160
      
0
      
0
      
302
  
Real estate mortgage
    
11,557
      
1,233
      
834
      
355
  
Home equity lines
    
425
      
0
      
66
      
0
  
Consumer direct
    
86
      
4
      
0
      
0
  
Consumer indirect
    
496
      
21
      
0
      
0
  
Loans to borrowers experiencing financial difficulty
  
$
25,227
    
$
1,436
    
$
900
    
$
657
  
Loans to Borrowers Experiencing Financial Difficulty That Subsequently Defaulted
The 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 June 30, 2026, there were 7 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
June 30, 2026
  
($ in thousands)
  
Number of Loans
    
Recorded Balance
  
Commercial other
    
2
    
$
157
  
Real estate mortgage
    
4
      
421
  
Home equity lines
    
1
      
66
  
Loans to borrowers experiencing financial difficulty
    
7
    
$
644
  

   
Six Months Ended
June 30, 2026
  
($ in thousands)
  
Number of Loans
    
Recorded Balance
  
Commercial other
    
2
    
$
157
  
Real estate mortgage
    
6
      
546
  
Home equity lines
    
1
      
66
  
Loans to borrowers experiencing financial difficulty
    
9
    
$
769
  

 
 
Three Months Ended
June 30, 2025
  
($ in thousands)
 
Number of Loans
 
 
Recorded Balance
  
Commercial other
    
1
    
$
95
  
Real estate mortgage
    
1
      
33
  
Loans to borrowers experiencing financial difficulty
    
2
    
$
128
  
   
Six Months Ended
June 30, 2025
  
($ in thousands)
  
Number of Loans
    
Recorded Balance
  
Commercial real estate residential
    
1
    
$
18
  
Commercial other
    
2
      
338
  
Real estate mortgage
    
2
      
82
  
Loans to borrowers experiencing financial difficulty
    
5
    
$
438