Updated
The most significant concentration Community Trust Bancorp discloses is eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
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Source: Community Trust Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1A: 'Our loan portfolio is concentrated primarily in eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee.'”
Community Trust Bancorp's only disclosed concentration is geographic, and it is a structural rather than counterparty-specific exposure. The company's loan portfolio is concentrated primarily in eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee — a high-share regional footprint with no diversification into other states or regions disclosed in the filing. Because this is the sole concentration risk identified, the bank's fortunes are tied closely to the economic health of this single, relatively contiguous Appalachian region: employment trends, real estate values, and local business conditions across these areas would have an outsized effect on loan performance relative to a bank with a broader geographic footprint. There is no disclosed single-borrower, single-industry, or single-supplier dependency layered on top of this, so the geographic concentration stands alone as the primary lens for assessing risk here. This is a structural feature of a community bank's business model rather than an idiosyncratic vulnerability, but given that it is high-share and undiversified, a regional economic downturn is the scenario most likely to move the verdict.
For the engine’s reasoning on CTBI’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| CTBI● | Community Trust Bancorp, Inc. | 1 | 0 | 0 | 1 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.