Peer Analysis
Performance Ratios (%) CTBI Peer Median Peer Average
ROAA $1.50 $1.44 $1.42
ROAE $11.05 $11.52 $11.33
Net Interest Margin $3.63 $3.83 $3.89
Efficiency Ratio $59.00 $56.44 $56.56
Loans / Deposits $94.84 $89.95 $91.19
Asset Quality Ratios (%)
NPAs / Assets 2.11 0.47 0.60
NCOs / Avg Loans 0.18 0.07 0.09
Reserves / Loans 1.08 0.85 0.91
Reserves / NPAs 38.11 117.64 194.99
Capital Ratios (%)
Tier 1 Capital 18.82 13.11 13.58
Tangible Equity / Tangible Assets 12.64 10.89 10.75
Total Equity / Total Assets 13.96 13.10 12.95
Market Ratios
Price / Earnings (x) 11.99 13.97 14.14
Price / Book (%) 127.39 144.38 151.50
Dividend Yield (%) 3.50 2.66 2.64
Data for trailing four quarters

Community Trust Bancorp, Inc.'s peer group consists of the following: 1st Source Corporation (SRCE), City Holding Company (CHCO), First Bancorp (FBNC), First Busey Corporation (BUSE), First Community Bankshares, Inc. (FCBC), First Financial Corporation (THFF), First Merchants Corporation (FRME), German American Bancorp, Inc. (GABC), HomeTrust Bancshares, Inc. (HTBI), Lakeland Financial Corporation (LKFN), Park National Corporation (PRK), Peoples Bancorp Inc. (PEBO), State Bank Financial Corporation, Stock Yards Bancorp, Inc. (SYBT), TowneBank (TOWN)

Community Trust Bancorp, Inc.'s financial data is as of 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

City Holding Company's financial data is as of 9/30/2019.
1st Source Corporation's financial data is as of 9/30/2019.
Peoples Bancorp Inc.'s financial data is as of 9/30/2019.
First Busey Corporation's financial data is as of 9/30/2019.
State Bank Financial Corporation's financial data is as of 9/30/2018.