STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,242
2010–2026
Total Volume
$282M
Gross loan amounts
States Active
9
With recorded loans
Programs
7(a) & 504
1242 total segments
Community Trust Bank primarily focuses on existing businesses, with 58% of their deals supporting established companies. This could be beneficial if you're looking to expand or refinance an existing operation.
With an average 7(a) spread of P+1.43%, Community Trust Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Despite a strong presence in Kentucky, Community Trust Bank has seen a 12% decline in SBA deal volume year-over-year. This trend may affect their willingness to lend, so be prepared for potential scrutiny during the application process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 30 504 loans, which use fixed SBA debenture rates.
States where Community Trust Bank, Inc. has recorded SBA lending activity.
+ 4 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Transportation & Warehousing
Transportation & Warehousing
Manufacturing
Manufacturing
Retail Trade
Retail Trade
Specialty Trade Contractors
Construction
Other Health Practitioners
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Food & Beverage Stores
Retail Trade
+ 7 more
All recorded SBA lending activity for Community Trust Bank, Inc., grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Kentucky · Transportation & Warehousing · Under $150K | 7(a) | 90 | P+1.63% | $49K | Q3 2025 |
| Kentucky · Restaurants & Food Service · Under $150K | 7(a) | 69 | P+1.75% | $65K | Q3 2025 |
| Kentucky · Manufacturing · Under $150K | 7(a) | 58 | P+2.00% | $73K | Q4 2025 |
| Kentucky · Specialty Trade Contractors · Under $150K | 7(a) | 56 | P+2.00% | $59K | Q2 2025 |
| Kentucky · Retail Trade · Under $150K | 7(a) | 53 | P+2.00% | $67K | Q2 2025 |
| Kentucky · Administrative & Waste Services · Under $150K | 7(a) | 48 | P+2.00% | $50K | Q1 2025 |
| Kentucky · Food & Beverage Stores · Under $150K | 7(a) | 34 | P+1.75% | $67K | Q2 2024 |
| Kentucky · Agriculture & Forestry · Under $150K | 7(a) | 31 | P+1.75% | $49K | Q2 2025 |
| Kentucky · Other Health Practitioners · Under $150K | 7(a) | 31 | P+1.75% | $69K | Q2 2025 |
| Kentucky · Wholesale Trade · Under $150K | 7(a) | 27 | P+2.00% | $73K | Q3 2025 |
| Kentucky · Restaurants & Food Service · $150K – $350K | 7(a) | 26 | P+2.00% | $234K | Q1 2025 |
| Kentucky · Arts, Entertainment & Recreation · Under $150K | 7(a) | 22 | P+1.00% | $43K | Q2 2025 |
| Kentucky · General Merchandise · Under $150K | 7(a) | 21 | P+2.00% | $43K | Q4 2020 |
| Kentucky · Auto Repair & Maintenance · Under $150K | 7(a) | 20 | P+2.00% | $55K | Q3 2025 |
| Kentucky · Physician & Dental Offices · Under $150K | 7(a) | 18 | P+1.25% | $77K | Q4 2024 |
| Kentucky · Miscellaneous Retail · Under $150K | 7(a) | 18 | P+1.00% | $54K | Q4 2025 |
| Kentucky · Retail Trade · $150K – $350K | 7(a) | 17 | P+1.75% | $222K | Q3 2025 |
| Kentucky · Building Construction · Under $150K | 7(a) | 16 | P+1.50% | $47K | Q1 2025 |
| Kentucky · Personal Care (Salons, Spas) · Under $150K | 7(a) | 16 | P+1.50% | $54K | Q2 2025 |
| Kentucky · Other Health Practitioners · $150K – $350K | 7(a) | 14 | P+1.00% | $235K | Q1 2025 |
| Kentucky · Other Professional Services · Under $150K | 7(a) | 12 | P+1.38% | $62K | Q2 2024 |
| Kentucky · Food & Beverage Stores · $150K – $350K | 7(a) | 11 | P+1.00% | $228K | Q4 2024 |
| Kentucky · Other Repair & Services · Under $150K | 7(a) | 11 | P+2.00% | $75K | Q2 2023 |
| Kentucky · Manufacturing · $150K – $350K | 7(a) | 11 | P+1.25% | $228K | Q4 2025 |
| Kentucky · Social Assistance · Under $150K | 7(a) | 11 | P+2.00% | $73K | Q3 2023 |
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