Community Trust Bank SBA Express Loans
Community Trust Bank made 69 SBA Express loans in FY2025 and FY2026 through June 30, 2026, worth $9.6 million. That ranks it number 38 of 812 lenders by loan count, according to SBA's own loan-level data.
What SBA's data shows about Community Trust Bank
- 33.3% of Community Trust Bank's SBA Express loans were lines of credit, well below the 75.6% share across all lenders in the same period, so more of its lending is term loans.
- Its median loan was $89,000, larger than the $50,000 median across all lenders. 47.8% of its loans were $100,000 or more, against 36.1% across all lenders.
- By borrower: 66.7% went to businesses more than two years old, 2.9% financed a change of ownership, and 21.7% went to brand-new businesses.
- Its SBA Express lending is regional: 85.5% of loans went to Kentucky businesses.
- Its SBA Express volume rose 10% from FY2024 (42 loans) to FY2025 (46).
Loan sizes
| Amount | Count | Share |
|---|---|---|
| $25,000 or less | 12 | 17.4% |
| $25,001 to $50,000 | 15 | 21.7% |
| $50,001 to $100,000 | 13 | 18.8% |
| $100,001 to $150,000 | 7 | 10.1% |
| $150,001 to $250,000 | 12 | 17.4% |
| $250,001 to $350,000 | 2 | 2.9% |
| $350,001 to $500,000 | 8 | 11.6% |
Source: SBA 7(a) FOIA loan-level data, as of June 30, 2026. Loans SBA approved and later cancelled are excluded. Fiscal years run October through September. Window: FY2025 and FY2026 through June 30, 2026.
Where Community Trust Bank makes SBA Express loans
| State | Loans | Share |
|---|---|---|
| Kentucky | 59 | 85.5% |
| West Virginia | 8 | 11.6% |
| Ohio | 1 | 1.4% |
| Tennessee | 1 | 1.4% |
Source: SBA 7(a) FOIA loan-level data, as of June 30, 2026. Loans SBA approved and later cancelled are excluded. Fiscal years run October through September. State is where the borrower's business is.
Industries
| Industry | Loans |
|---|---|
| Plumbing, Heating, and Air-Conditioning Contractors | 6 |
| General Freight Trucking, Local | 5 |
| Offices of All Other Miscellaneous Health Practitioners | 4 |
| Full-Service Restaurants | 3 |
| Clothing and Clothing Accessories Retailers | 3 |
Source: SBA 7(a) FOIA loan-level data, as of June 30, 2026. Loans SBA approved and later cancelled are excluded. Fiscal years run October through September.
SBA Express loans by year
| Fiscal year | Loans made |
|---|---|
| FY2020 | 45 |
| FY2021 | 63 |
| FY2022 | 56 |
| FY2023 | 39 |
| FY2024 | 42 |
| FY2025 | 46 |
| FY2026 (through June 30, 2026) | 23 |
Source: SBA 7(a) FOIA loan-level data, as of June 30, 2026. Loans SBA approved and later cancelled are excluded. Fiscal years run October through September. Every year since FY2020, same counting rules.
If you are considering Community Trust Bank
Community Trust Bank sets its own rates, fees and credit standards, inside SBA's caps for SBA Express (see loan terms and requirements). The figures above show what it has approved, not what it will approve next. To compare more than one lender at once, tell us what your business needs.
Lenders with similar SBA Express volume: First Merchants Bank, Santander Bank, Regions Bank, FirstBank Puerto Rico, Salem Five Cents Savings Bank. See the full lender list or program statistics.
Lender: Community Trust Bank (legal name on SBA's file: Community Trust Bank, Inc.), Pikeville, KY, as listed on SBA's loan records. sbaexpress.loans is not a lender and is not affiliated with the U.S. Small Business Administration or with any lender named here. Figures describe loans SBA has already approved. They are not a lender's current credit policy, an offer, or a rate quote.
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