Community Trust Bancorp is a bank holding company that owns Community Trust Bank, a state-chartered commercial bank, and Community Trust and Investment Company, a trust company serving small and mid-sized communities across eastern Kentucky, southern West Virginia, and northeastern Tennessee. The company provides a comprehensive range of financial services including commercial and personal deposit products, lending across multiple categories from mortgages to asset-based financing, corporate banking services such as cash management and letters of credit, and trust and wealth management services including personal trusts, estate administration, and investment management. The company generates revenue through traditional banking operations including deposit products, lending activities, and trust and wealth management fees, while competing with larger regional and national banks, thrifts, credit unions, and non-bank financial service providers primarily on the basis of personalized customer service and competitive pricing in its local markets.