Community Trust Bank, Inc.: SBA Lending Record
What SBA's own loan files show about Community Trust Bank, Inc. as an SBA lender, and how a lender's record bears on a feasibility study.
Community Trust Bank, Inc.: the SBA record
678 loans carry Community Trust Bank, Inc. as holder across FY2017 to FY2026: $157.1 million gross. Community Trust Bank, Inc. is recorded by SBA in Kentucky. Every one of the 678 loans is a holding: Community Trust Bank, Inc. holds or last held each, per SBA. 678 loans fall under SBA 7(a). Community Trust Bank, Inc. has 0 in SBA 504. Community Trust Bank, Inc.'s FY2026 is a complete fiscal year. 678 loans, $157.1 million gross: that is Community Trust Bank, Inc.'s whole record. The 678 loans carry SBA's guarantee and not Community Trust Bank, Inc.'s, so no policy shows here.
487 of the 678 loans for Community Trust Bank, Inc. sit in no named class. Community Trust Bank, Inc. lists these classes: Full-service restaurant at 23; Limited-service restaurant at 19; Liquor store at 19; Gas station and truck stop at 18; Medical office (physicians) at 12; Fitness center, 12; Beauty salon, 11; Hotel and motel at 9; Automotive mechanical repair (car and truck) at 9; Dental office at 8; Coffee shop and snack bar at 7; Behavioral health and addiction treatment, 6. Of 678 loans, 487 are unclassed and 23 are Full-service restaurant. A class view of Community Trust Bank, Inc. spans part of 678. At Community Trust Bank, Inc., 19 Limited-service restaurant loans follow 23 Full-service restaurant.
Community Trust Bank, Inc. by state
By state at Community Trust Bank, Inc.: Kentucky (578); West Virginia (50); Tennessee at 26. Kentucky is also where SBA records Community Trust Bank, Inc., so the book starts at home. Kentucky alone holds 578 of Community Trust Bank, Inc.'s 678 loans. Community Trust Bank, Inc.'s table maps 678 loans, no boundary for sites beyond Kentucky.
Community Trust Bank, Inc.: floors and study
FY2017 to FY2024 approvals: 6.3% cancelled after approval, a floor. Ceiling 6.3%, identical to the floor. 3.8% is the charged-off floor across 346 loans disbursed in FY2017 to FY2021. Community Trust Bank, Inc.: no five-year charge-off rate appears. The Loan Analytics presentation test declines to print it for small groups. It is not zero; no number fills it. A 6.3% floor at Community Trust Bank, Inc. says approval is no funding. 346 loans, 3.8% charged off: cash must keep flowing. At Community Trust Bank, Inc., test one is site demand. For Community Trust Bank, Inc., test two is full project cost. For Community Trust Bank, Inc., test three is debt service coverage. For Community Trust Bank, Inc., test four is the appraisal.
Community Trust Bank, Inc.'s book gives a lender $157.1 million gross across 678 loans. Community Trust Bank, Inc.'s file hands a borrower 678 holdings and no terms. Nothing in Community Trust Bank, Inc.'s 678 loans predicts its answer to a request. 23 Full-service restaurant loans come first. Community Trust Bank, Inc.'s holdings are all that is shown. Community Trust Bank, Inc. borrowers need a study that stands alone. Community Trust Bank, Inc. appears here as holder of 678 loans, and the record ends there.
SBA loans held by Community Trust Bank, Inc.
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 678 |
|---|---|
| Gross dollars approved | $157.1 million |
| SBA 7(a) loans | 678 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 6.3% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 6.3% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 3.8% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 346 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 487 |
| Full-service restaurant | 23 |
| Limited-service restaurant | 19 |
| Liquor store | 19 |
| Gas station and truck stop | 18 |
| Medical office (physicians) | 12 |
| Fitness center | 12 |
| Beauty salon | 11 |
| Hotel and motel | 9 |
| Automotive mechanical repair (car and truck) | 9 |
| Dental office | 8 |
| Coffee shop and snack bar | 7 |
| Behavioral health and addiction treatment | 6 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| Kentucky | 578 |
| West Virginia | 50 |
| Tennessee | 26 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-2720.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Community Trust Bank, Inc. or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
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