Community Trust Bank, Inc.
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by Community Trust Bank, Inc.
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 484110 | General Freight Trucking, Local | 176 | $13.7M | $78K | 5.3% |
| 722511 | Full-Service Restaurants | 128 | $19.3M | $151K | 3.8% |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 104 | $19.9M | $191K | 3.1% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 88 | $10.6M | $120K | 2.6% |
| 457110 | Other | 72 | $45.8M | $637K | 2.1% |
| 484220 | Specialized Freight (except Used Goods) Trucking, Local | 72 | $5.8M | $80K | 2.1% |
| 445310 | Beer, Wine, and Liquor Stores | 72 | $13.7M | $191K | 2.1% |
| 722513 | Limited-Service Restaurants | 72 | $17.5M | $243K | 2.1% |
| 484121 | General Freight Trucking, Long Distance, Truckload | 64 | $2.7M | $42K | 1.9% |
| 448190 | Other Clothing Stores | 56 | $6.1M | $109K | 1.7% |
Geographic Distribution
SBA lending activity for Community Trust Bank, Inc. by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Kentucky (KY) | 2,872 | $604.6M | 85.7% |
| Tennessee (TN) | 104 | $110.7M | 3.1% |
| West Virginia (WV) | 256 | $70.7M | 7.6% |
| Ohio (OH) | 104 | $51.1M | 3.1% |
| Virginia (VA) | 8 | $2.2M | 0.2% |
| Georgia (GA) | 8 | $800K | 0.2% |
Why Choose Community Trust Bank, Inc.?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 3,352 SBA loans approved, totaling $840.3M in financing
- ✓Industry Expertise: Specialized focus on General Freight Trucking, Local, Full-Service Restaurants, Offices of All Other Miscellaneous Health Practitioners
- ✓Competitive Terms: Average interest rate of 6.58% with flexible term lengths averaging 116 months
- ✓Loan Range: Loan sizes from $4K to $5.0M, with an average of $251K
- ✓Nationwide Reach: Active lending in 6 states, with strong presence in KY, WV, OH
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Community Trust Bank, Inc. SBA lending
What types of businesses does Community Trust Bank, Inc. typically finance?
Community Trust Bank, Inc. specializes in SBA 7(a) lending to specific industries including general freight trucking, local, full-service restaurants, offices of all other miscellaneous health practitioners, plumbing, heating, and air-conditioning contractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Community Trust Bank, Inc.'s typical SBA loan terms?
Community Trust Bank, Inc.'s SBA 7(a) loans typically feature an average interest rate of 6.58% and average term length of 116 months (approximately 10 years). Loan sizes range from $4K to $5.0M, with an average loan size of $251K.
Do I need a business valuation for a Community Trust Bank, Inc. SBA loan?
Yes, Community Trust Bank, Inc. typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Community Trust Bank, Inc. compare to other SBA lenders?
Community Trust Bank, Inc. has originated 3,352 SBA loans totaling $840.3M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Community Trust Bank, Inc. lend in?
Community Trust Bank, Inc. provides SBA 7(a) financing with particularly strong presence in KY, WV, OH, TN, GA. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
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