Community Trust Bancorp, Inc. (CTBI) Balance Sheet
CTBI balance sheet, 2025
December 31, 2025 · U.S. dollars$6.68B assets = $5.83B liabilities + $856.1M equity
Both columns are drawn to the same scale: what CTBI owns equals what it owes plus shareholders’ equity. Hover a block for its value.
CTBI financial health
Descriptive bands, not a rating. Fiscal 2025.
CTBI balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $3.93B2016 | $6.68B2025 | +6.1%/yr | |
| Total liabilities | $3.43B2016 | $5.83B2025 | +6.1%/yr | |
| Shareholders’ equity | $500.6M2016 | $856.1M2025 | +6.1%/yr | |
| Cash & short-term investments | $750.6M2016 | $365.8M2025 | −7.7%/yr | |
| Total debt | $317.3M2016 | $389.8M2025 | +2.3%/yr | |
| Net cash (debt) | $433.2M2016 | −$24.0M2025 | −$457.2M | |
| Working capital | $1.08B2016 | −$497.1M2025 | −$1.6B | |
| Book value per share | $28.502016 | $47.392025 | +5.8%/yr | |
| Debt / equity | 0.632016 | 0.462025 | −0.18 | |
| Shares outstanding | 17.6M2016 | 18.1M2025 | +0.3%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
CTBI assets
CTBI liabilities and equity
CTBI debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
CTBI balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $365.8M | $1.43B | $1.44B | $1.39B | $1.50B | $1.05B | $658.5M | $738.0M | $770.8M | $750.6M |
| Cash & equivalents | $62.9M | $369.8M | $271.6M | $128.9M | $46.6M | $54.2M | $58.7M | $64.6M | $47.5M | $48.6M |
| Short-term investments | $302.9M | $1.06B | $1.16B | $1.26B | $1.46B | $997.3M | $599.8M | $594.9M | $585.8M | $605.4M |
| Receivables | $4.83B | $24.8M | $23.6M | $19.6M | $15.4M | $15.8M | $14.8M | $3.6M | $3.5M | $3.4M |
| Inventory | $0 | $0 | −$82.4M | −$152.2M | −$330.9M | −$362.0M | −$299.2M | $27.3M | $32.2M | $36.0M |
| Other current assets | $211,000 | $0 | $82.4M | $152.2M | $330.9M | $362.0M | $299.2M | $2.72B | $2.63B | $2.42B |
| Total current assets | $5.20B | $1.45B | $1.46B | $1.40B | $1.52B | $1.07B | $673.4M | $3.49B | $3.43B | $3.21B |
| Property, plant & equipment (net) | $52.6M | $64.0M | $61.0M | $59.7M | $52.6M | $55.2M | $58.6M | $45.3M | $46.3M | $47.9M |
| Goodwill & intangible assets | $72.2M | $72.8M | $73.2M | $74.0M | $72.3M | $69.6M | $68.8M | $69.1M | $69.0M | $69.1M |
| Long-term investments | $209.9M | $1.06B | $1.17B | $1.27B | $1.47B | $4.53B | $3.82B | $3.18B | $3.09B | $2.90B |
| Other non-current assets | $1.15B | $3.55B | $3.01B | $2.57B | $2.31B | $0 | $0 | $0 | $0 | $0 |
| Total assets | $6.68B | $6.19B | $5.77B | $5.38B | $5.42B | $5.14B | $4.37B | $4.20B | $4.14B | $3.93B |
| Liabilities | ||||||||||
| Accounts payable | $10.9M | $8.4M | $7.4M | $2.2M | $1.0M | $1.2M | $2.8M | $3.31B | $3.26B | $3.08B |
| Short-term debt | $308.8M | $240.7M | $225.7M | $215.9M | $272.8M | $357.8M | $236.6M | $233.9M | $251.5M | $256.0M |
| Deferred revenue | — | — | −$7.4M | −$215.6M | −$271.8M | −$356.5M | −$233.8M | — | — | — |
| Total current liabilities | $5.70B | $5.32B | $4.96B | $4.64B | $1.0M | $1.2M | $2.8M | $2.39B | $2.20B | $2.12B |
| Long-term debt | $64.1M | $64.3M | $64.6M | $58.2M | $57.8M | $57.8M | $57.8M | $59.3M | $59.3M | $61.3M |
| Lease obligations | $16.4M | $15.2M | $16.4M | $17.6M | $13.0M | $14.0M | $15.2M | — | — | — |
| Other long-term liabilities | $66.1M | $52.1M | $45.2M | $49.8M | $0 | $0 | $0 | $3.8M | $5.3M | $8.8M |
| Total liabilities | $5.83B | $5.44B | $5.07B | $4.75B | $4.72B | $4.48B | $3.75B | $3.64B | $3.61B | $3.43B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $90.5M | $90.3M | $90.0M | $89.6M | $89.2M | $89.1M | $89.0M | $88.7M | $305.5M | $302.8M |
| Retained earnings (deficit) | $545.4M | $531.9M | $484.4M | $438.6M | $386.8M | $326.7M | $296.8M | $258.9M | $224.3M | $195.1M |
| Treasury stock | — | — | — | — | — | — | — | — | $0 | $0 |
| Accumulated other comprehensive income | −$98.4M | −$98.4M | −$103.3M | −$129.2M | −$4.8M | $13.6M | $4.3M | −$6.6M | −$3.5M | −$2.3M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $856.1M | $757.6M | $702.2M | $628.0M | $698.2M | $654.9M | $614.9M | $564.1M | $530.7M | $500.6M |
| Key figures | ||||||||||
| Total debt | $389.8M | $320.2M | $306.7M | $291.8M | $330.6M | $415.6M | $294.4M | $293.3M | $310.9M | $317.3M |
| Net cash (debt) | −$24.0M | $1.11B | $1.13B | $1.09B | $1.17B | $635.9M | $364.1M | $444.8M | $460.0M | $433.2M |
| Working capital | −$497.1M | −$3.87B | −$3.50B | −$3.24B | $1.52B | $1.07B | $670.5M | $1.10B | $1.23B | $1.08B |
| Tangible book value | $783.8M | $684.7M | $629.1M | $554.1M | $625.9M | $585.3M | $546.1M | $495.1M | $461.7M | $431.6M |
| Book value per share | $47.39 | $42.14 | $39.23 | $35.18 | $39.22 | $36.88 | $34.66 | $31.87 | $30.06 | $28.50 |
| Shares outstanding | 18.1M | 18.0M | 17.9M | 17.9M | 17.8M | 17.8M | 17.7M | 17.7M | 17.7M | 17.6M |
| Current ratio | 0.91 | 0.27 | 0.29 | 0.30 | 1,493.51 | 858.67 | 237.18 | 1.46 | 1.56 | 1.51 |
| Quick ratio | 0.91 | 0.27 | 0.29 | 0.30 | 1,493.51 | 858.67 | 237.18 | 0.31 | 0.35 | 0.35 |
| Debt / equity | 0.46 | 0.42 | 0.44 | 0.46 | 0.47 | 0.63 | 0.48 | 0.52 | 0.59 | 0.63 |
| Equity / assets | 12.8% | 12.2% | 12.2% | 11.7% | 12.9% | 12.7% | 14.1% | 13.4% | 12.8% | 12.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $205.7M | $536.4M | $365.8M | $1.13B | $984.8M | $933.3M | $1.43B | $1.34B | $1.25B | $1.41B | $1.44B | $1.36B |
| Cash & equivalents | $63.8M | $358.9M | $62.9M | $507.9M | $395.5M | $340.9M | $369.8M | $241.2M | $161.9M | $293.5M | $271.6M | $219.5M |
| Short-term investments | $141.9M | $177.5M | $302.9M | $627.0M | $589.3M | $592.4M | $1.06B | $1.10B | $1.09B | $1.11B | $1.16B | $1.14B |
| Receivables | $25.8M | $25.6M | $4.83B | $25.1M | $24.5M | $24.0M | $24.8M | $23.8M | $24.4M | $23.5M | $23.6M | $21.5M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$1.21B | $30.5M | −$79.4M | −$82.4M | −$264.6M |
| Other current assets | $0 | $0 | $211,000 | $0 | $0 | $0 | $0 | $1.21B | $0 | $79.4M | $82.4M | $264.6M |
| Total current assets | $89.6M | $562.0M | $5.20B | $1.16B | $1.01B | $957.3M | $1.45B | $1.36B | $1.28B | $1.43B | $1.46B | $1.38B |
| Property, plant & equipment (net) | $68.0M | $68.1M | $52.6M | $68.2M | $67.3M | $66.4M | $64.0M | $62.2M | $62.3M | $62.1M | $61.0M | $61.1M |
| Goodwill & intangible assets | $72.2M | $72.2M | $72.2M | $72.4M | $72.6M | $72.6M | $72.8M | $72.6M | $73.2M | $73.3M | $73.2M | $73.8M |
| Long-term investments | $146.5M | $181.2M | $209.9M | $1.04B | $999.4M | $1.01B | $1.06B | $1.10B | $1.09B | $1.12B | $1.17B | $1.15B |
| Other non-current assets | $6.61B | $5.86B | $1.15B | $4.30B | $4.24B | $4.17B | $3.55B | $3.36B | $3.30B | $3.17B | $3.01B | $2.97B |
| Total assets | $6.99B | $6.74B | $6.68B | $6.64B | $6.39B | $6.28B | $6.19B | $5.96B | $5.80B | $5.85B | $5.77B | $5.63B |
| Liabilities | ||||||||||||
| Accounts payable | $16.4M | $11.6M | $10.9M | $19.2M | $15.1M | $10.9M | $8.4M | $16.3M | $12.3M | $9.4M | $7.4M | $8.2M |
| Short-term debt | $297.1M | $299.2M | $308.8M | $285.4M | $225.6M | $247.1M | $240.7M | $233.8M | $228.1M | $235.2M | $225.7M | $233.1M |
| Deferred revenue | — | — | — | — | — | — | — | — | −$12.3M | −$9.4M | −$7.4M | −$224.9M |
| Total current liabilities | $297.1M | $299.2M | $5.70B | $5.69B | $5.47B | $5.37B | $5.32B | $5.09B | $4.97B | $5.03B | $4.96B | $4.87B |
| Long-term debt | $63.9M | $64.0M | $64.1M | $64.1M | $64.2M | $64.3M | $64.3M | $64.4M | $64.5M | $64.5M | $64.6M | $64.6M |
| Lease obligations | $16.0M | $16.0M | $16.4M | $16.9M | $16.1M | $16.5M | $15.2M | $15.5M | $15.9M | $16.2M | $16.4M | $16.8M |
| Other long-term liabilities | $5.74B | $5.51B | $66.1M | $52.6M | $46.1M | $58.8M | $52.1M | $49.4M | $46.4M | $49.2M | $45.2M | $48.1M |
| Total liabilities | $6.10B | $5.87B | $5.83B | $5.81B | $5.58B | $5.49B | $5.44B | $5.20B | $5.09B | $5.14B | $5.07B | $4.98B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $90.8M | $90.8M | $90.5M | $90.6M | $90.5M | $90.5M | $90.3M | $90.3M | $90.1M | $90.1M | $90.0M | $90.0M |
| Retained earnings (deficit) | $631.6M | $611.5M | $545.4M | $576.2M | $561.8M | $545.4M | $531.9M | $517.8M | $504.1M | $492.9M | $484.4M | $474.0M |
| Accumulated other comprehensive income | −$68.4M | −$68.0M | −$98.4M | −$71.1M | −$80.6M | −$86.1M | −$98.4M | −$80.6M | −$107.1M | −$106.9M | −$103.3M | −$141.4M |
| Total shareholders' equity | $891.8M | $871.2M | $856.1M | $831.4M | $806.9M | $784.2M | $757.6M | $760.8M | $719.3M | $707.7M | $702.2M | $653.0M |
| Key figures | ||||||||||||
| Total debt | $377.5M | $379.2M | $389.8M | $366.4M | $305.9M | $327.8M | $320.2M | $313.7M | $308.4M | $315.9M | $306.7M | $314.5M |
| Net cash (debt) | −$171.8M | $157.2M | −$24.0M | $768.5M | $678.9M | $605.5M | $1.11B | $1.03B | $943.8M | $1.09B | $1.13B | $1.04B |
| Working capital | −$207.5M | $262.8M | −$497.1M | −$4.53B | −$4.46B | −$4.41B | −$3.87B | −$3.73B | −$3.70B | −$3.60B | −$3.50B | −$3.49B |
| Tangible book value | $819.6M | $799.0M | $783.8M | $759.0M | $734.3M | $711.6M | $684.7M | $688.2M | $646.1M | $634.4M | $629.1M | $579.3M |
| Book value per share | $49.27 | $48.19 | $47.39 | $46.05 | $44.74 | $43.51 | $42.07 | $42.29 | $40.05 | $39.44 | $39.17 | $36.47 |
| Shares outstanding | 18.1M | 18.1M | 18.1M | 18.1M | 18.0M | 18.0M | 18.0M | 18.0M | 18.0M | 17.9M | 17.9M | 17.9M |
| Current ratio | 0.30 | 1.88 | 0.91 | 0.20 | 0.18 | 0.18 | 0.27 | 0.27 | 0.26 | 0.28 | 0.29 | 0.28 |
| Quick ratio | 0.78 | 1.88 | 0.91 | 0.20 | 0.18 | 0.18 | 0.27 | 0.27 | 0.26 | 0.28 | 0.29 | 0.28 |
| Debt / equity | 0.42 | 0.44 | 0.46 | 0.44 | 0.38 | 0.42 | 0.42 | 0.41 | 0.43 | 0.45 | 0.44 | 0.48 |
| Equity / assets | 12.8% | 12.9% | 12.8% | 12.5% | 12.6% | 12.5% | 12.2% | 12.8% | 12.4% | 12.1% | 12.2% | 11.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 27, 2026); data from EODHD.
CTBI financial position
At the end of fiscal 2025 (December 31, 2025), Community Trust Bancorp had total assets of $6.7 billion (up 7.9% from a year earlier), total liabilities of $5.8 billion and shareholders' equity of $856.1 million. It held $365.8 million in cash and short-term investments against $389.8 million of debt, net debt of $24.0 million. Its current ratio was 0.91. In the latest quarter (ended June 30, 2026) total assets were $7.0 billion and equity $891.8 million.
Related: CTBI income statement, CTBI cash flow statement, CTBI key metrics. See the CTBI stock overview for the latest quote and news.
CTBI balance sheet FAQ
What are Community Trust Bancorp's total assets?
Community Trust Bancorp reported total assets of $6.7 billion at the end of fiscal 2025 (December 31, 2025), compared with $6.2 billion a year earlier.
How much debt does Community Trust Bancorp have?
Community Trust Bancorp had $389.8 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.46.
How much cash does Community Trust Bancorp have?
Community Trust Bancorp held $365.8 million in cash and short-term investments at the end of fiscal 2025; with $389.8 million of debt that is net debt of $24.0 million.
What is Community Trust Bancorp's book value?
Community Trust Bancorp's shareholders' equity (book value) was $856.1 million at the end of fiscal 2025, or $47.39 per share.
What is Community Trust Bancorp's current ratio?
Community Trust Bancorp had current assets of $5.2 billion and current liabilities of $5.7 billion, a current ratio of 0.91 (current liabilities exceed current assets).
How much goodwill does Community Trust Bancorp have?
Community Trust Bancorp carried $72.2 million of goodwill and intangible assets, 1.1% of total assets, at the end of fiscal 2025.