Community Trust Bancorp (CTBI) 10-K 28 Feb 25 2024 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Jan. 31, 2025	Jun. 30, 2024
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Period End Date	Dec. 31, 2024
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Document Transition Report	false
Entity File Number	001-31220
Entity Registrant Name	COMMUNITY TRUST BANCORP INC /KY/
Entity Central Index Key	0000350852
Entity Incorporation, State or Country Code	KY
Entity Tax Identification Number	61-0979818
Entity Address, Address Line One	346 North Mayo Trail
Entity Address, Address Line Two	P.O. Box 2947
Entity Address, City or Town	Pikeville
Entity Address, State or Province	KY
Entity Address, Postal Zip Code	41502
City Area Code	606
Local Phone Number	432-1414
Title of 12(b) Security	Common Stock
Trading Symbol	CTBI
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 761
Entity Common Stock, Shares Outstanding		18,101,765
Auditor Firm ID	686
Auditor Name	Forvis Mazars, LLP
Auditor Location	Louisville, Kentucky

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets:
Cash and due from banks	$ 73,021	$ 58,833
Interest bearing deposits	296,484	212,567
Cash and cash equivalents	369,505	271,400
Certificates of deposit in other banks	245	245
Debt securities available-for-sale at fair value (amortized cost of $1,186,649 and $1,301,244, respectively)	1,055,728	1,163,724
Equity securities at fair value	3,781	3,158
Loans held for sale	184	152
Loans	4,486,637	4,050,906
Allowance for credit losses	(54,968)	(49,543)
Net loans	4,431,669	4,001,363
Premises and equipment, net	49,630	45,311
Operating right-of-use assets	11,414	12,607
Finance right-of-use assets	2,971	3,096
Federal Home Loan Bank stock	5,062	4,712
Federal Reserve Bank stock	4,887	4,887
Goodwill	65,490	65,490
Bank owned life insurance	101,509	101,461
Mortgage servicing rights	7,357	7,665
Other real estate owned	3,647	1,616
Deferred tax asset	29,065	28,141
Accrued interest receivable	24,758	23,575
Other assets	26,343	31,093
Total assets	6,193,245	5,769,696
Deposits:
Noninterest bearing	1,242,676	1,260,690
Interest bearing	3,827,513	3,463,932
Total deposits	5,070,189	4,724,622
Repurchase agreements	240,166	225,245
Federal funds purchased	500	500
Advances from Federal Home Loan Bank	314	334
Long-term debt	64,016	64,241
Operating lease liability	11,751	12,958
Finance lease liability	3,439	3,435
Accrued interest payable	8,378	7,389
Other liabilities	36,908	28,764
Total liabilities	5,435,661	5,067,488
Commitments and contingencies (notes 17 and 19)
Shareholders' equity:
Preferred stock, 300,000 shares authorized and unissued	0	0
Common stock, $5.00 par value, shares authorized 25,000,000; shares outstanding 2024 - 18,057,923; 2023 - 17,999,840	90,290	89,999
Capital surplus	233,802	231,130
Retained earnings	531,861	484,400
Accumulated other comprehensive loss, net of tax	(98,369)	(103,321)
Total shareholders' equity	757,584	702,208
Total liabilities and shareholders' equity	$ 6,193,245	$ 5,769,696

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets:
Debt securities available-for-sale at amortized cost	$ 1,186,649	$ 1,301,244
Shareholders' equity:
Preferred stock, shares authorized (in shares)	300,000	300,000
Common stock, par value (in dollars per share)	$ 5	$ 5
Common stock, shares authorized (in shares)	25,000,000	25,000,000
Common stock, shares outstanding (in shares)	18,057,923	17,999,840

Consolidated Statements of Inco

Consolidated Statements of Income and Comprehensive Income (Loss) - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Interest income:
Interest and fees on loans, including loans held for sale	$ 274,619	$ 230,844	$ 169,885
Interest and dividends on securities:
Taxable	24,953	27,263	21,695
Tax exempt	2,553	2,678	2,998
Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock	783	759	603
Interest on Federal Reserve Bank deposits	10,101	6,831	2,439
Other, including interest on federal funds sold	434	275	122
Total interest income	313,443	268,650	197,742
Interest expense:
Interest on deposits	112,516	81,167	24,068
Interest on repurchase agreements and federal funds purchased	10,393	8,994	2,540
Interest on advances from Federal Home Loan Bank	16	1,004	20
Interest on long-term debt	4,523	4,375	2,012
Total interest expense	127,448	95,540	28,640
Net interest income	185,995	173,110	169,102
Provision for credit losses	10,951	6,811	4,905
Net interest income after provision for credit losses	175,044	166,299	164,197
Noninterest income:
Deposit related fees	29,824	29,935	29,049
Gains on sales of loans, net	294	395	1,525
Trust and wealth management income	14,921	13,025	12,394
Loan related fees	4,957	3,792	6,185
Bank owned life insurance	5,236	3,517	2,708
Brokerage revenue	2,272	1,473	1,846
Securities gains (losses)	631	996	(168)
Other noninterest income	4,430	4,526	4,377
Total noninterest income	62,565	57,659	57,916
Noninterest expense:
Officer salaries and employee benefits	16,316	15,206	15,922
Other salaries and employee benefits	63,111	58,505	56,568
Occupancy, net	9,442	8,900	8,380
Equipment	2,762	2,943	2,703
Data processing	11,172	9,726	8,910
Bank franchise tax	1,685	1,649	1,528
Legal fees	1,090	1,131	1,159
Professional fees	2,783	2,219	2,275
Advertising and marketing	3,130	3,214	3,005
FDIC insurance	2,586	2,483	1,447
Other real estate owned provision and expense	152	350	456
Repossession expense	1,089	531	546
Other noninterest expense	15,605	18,533	18,172
Total noninterest expense	130,923	125,390	121,071
Income before income taxes	106,686	98,568	101,042
Income taxes	23,873	20,564	19,228
Net income	82,813	78,004	81,814
Unrealized holding gains (losses) on debt securities available-for-sale:
Unrealized holding gains (losses) arising during the period	6,607	36,863	(168,060)
Less: Reclassification adjustments for realized gains (losses) included in net income	8	4	(81)
Tax expense (benefit)	1,647	11,028	(43,675)
Other comprehensive income (loss), net of tax	4,952	25,831	(124,304)
Comprehensive income (loss)	$ 87,765	$ 103,835	$ (42,490)
Basic earnings per share (in dollars per share)	$ 4.61	$ 4.36	$ 4.59
Diluted earnings per share (in dollars per share)	$ 4.61	$ 4.36	$ 4.58
Weighted average shares outstanding-basic (in shares)	17,950	17,887	17,836
Weighted average shares outstanding-diluted (in shares)	17,977	17,900	17,851

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss), Net of Tax [Member]	Total	Cumulative Effect, Period of Adoption, Adjustment [Member] Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at Dec. 31, 2021	$ 89,215	$ 227,085	$ 386,750	$ (4,848)	$ 698,202
Balance (in shares) at Dec. 31, 2021	17,843,081
Increase (Decrease) in Stockholders' Equity [Roll forward]
Net income			81,814		81,814
Other comprehensive income (loss)				(124,304)	(124,304)
Cash dividends declared			(29,968)		(29,968)
Issuance of common stock	$ 271	770			1,041
Issuance of common stock (in shares)	54,125
Issuance of restricted stock	$ 252	(252)			0
Issuance of restricted stock (in shares)	50,438
Vesting of restricted stock	$ (147)	147			0
Vesting of restricted stock (in shares)	(29,364)
Stock-based compensation		1,262			1,262
Balance at Dec. 31, 2022	$ 89,591	229,012	438,596	(129,152)	628,047
Balance (in shares) at Dec. 31, 2022	17,918,280
Increase (Decrease) in Stockholders' Equity [Roll forward]
Net income			78,004		78,004
Other comprehensive income (loss)				25,831	25,831
Cash dividends declared			(32,200)		(32,200)
Issuance of common stock	$ 265	864			1,129
Issuance of common stock (in shares)	52,857
Issuance of restricted stock	$ 264	(264)			0
Issuance of restricted stock (in shares)	52,865
Vesting of restricted stock	$ (117)	117			0
Vesting of restricted stock (in shares)	(23,372)
Forfeiture of restricted stock	$ (4)
Forfeiture of restricted stock		4			0
Forfeiture of restricted stock (in shares)	(790)
Stock-based compensation		1,397			1,397
Balance at Dec. 31, 2023	$ 89,999	231,130	484,400	(103,321)	$ 702,208
Balance (in shares) at Dec. 31, 2023	17,999,840				17,999,840
Increase (Decrease) in Stockholders' Equity [Roll forward]
Net income			82,813		$ 82,813
Other comprehensive income (loss)				4,952	4,952
Cash dividends declared			(33,391)		(33,391)
Issuance of common stock	$ 342	1,428			1,770
Issuance of common stock (in shares)	68,351
Issuance of restricted stock	$ 75	(75)			0
Issuance of restricted stock (in shares)	15,000
Vesting of restricted stock	$ (114)	114			0
Vesting of restricted stock (in shares)	(22,831)
Forfeiture of restricted stock	$ (12)
Forfeiture of restricted stock		12			0
Forfeiture of restricted stock (in shares)	(2,437)
Stock-based compensation		1,193			1,193
Accounting Standards Update [Extensible Enumeration]						Accounting Standards Update 2023-02 [Member]	Accounting Standards Update 2023-02 [Member]
Balance at Dec. 31, 2024	$ 90,290	$ 233,802	$ 531,861	$ (98,369)	$ 757,584	$ (1,961)	$ (1,961)
Balance (in shares) at Dec. 31, 2024	18,057,923				18,057,923

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Increase (Decrease) in Stockholders' Equity [Roll forward]
Cash dividends declared (in dollars per share)	$ 1.86	$ 1.8	$ 1.68

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Cash flows from operating activities:
Net income	$ 82,813	$ 78,004	$ 81,814
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	5,003	5,351	5,219
Deferred tax expense (benefit)	(1,732)	709	3,250
Stock-based compensation	1,354	1,576	1,366
Provision for credit losses	10,951	6,811	4,905
Write-downs of other real estate owned and other repossessed assets	105	211	285
Gains on sale of loans held for sale	(294)	(395)	(1,525)
Securities gains (losses)	(8)	(4)	81
Fair value adjustment in equity securities	(623)	(992)	87
Gains on sale of assets, net	(102)	(408)	(354)
Proceeds from sale of mortgage loans held for sale	11,555	15,203	65,974
Funding of mortgage loans held for sale	(11,293)	(14,851)	(61,926)
Amortization of securities premiums and discounts, net	2,564	2,658	5,466
Change in cash surrender value of bank owned life insurance	(3,995)	(2,361)	(1,650)
Payment of operating lease liabilities	(1,190)	(1,560)	(1,773)
Mortgage servicing rights:
Fair value adjustments	431	965	(1,069)
New servicing assets created	(123)	(162)	(625)
Changes in:
Accrued interest receivable	(1,183)	(3,983)	(4,177)
Other assets	1,951	(2,630)	2,507
Accrued interest payable	989	5,152	1,221
Other liabilities	7,999	(3,562)	608
Net cash provided by operating activities	105,172	85,732	99,684
Certificates of deposit in other banks:
Purchase of certificates of deposit	0	(245)	0
Maturity of certificates of deposit	0	245	0
Securities available-for-sale (AFS):
Purchase of AFS securities	(55,365)	(19,478)	(179,627)
Proceeds from sales of AFS securities	14,232	21,529	11,462
Proceeds from prepayments, calls, and maturities of AFS securities	153,171	124,656	193,843
Change in loans, net	(444,061)	(344,217)	(302,466)
Purchase of premises and equipment	(8,078)	(6,322)	(6,218)
Proceeds from sale and retirement of premises and equipment	70	375	620
Purchase of Federal Home Loan Bank stock	(4,757)	(3,191)	0
Redemption of stock by Federal Home Loan Bank	4,407	5,155	1,463
Proceeds from sale of other real estate owned and repossessed assets	774	1,295	988
Additional investment in other real estate owned and repossessed assets	(13)	(47)	(73)
Additional investment in bank owned life insurance	0	(6,931)	0
Proceeds from settlement of bank owned life insurance	1,591	336	1
Redemption of bank owned life insurance	2,356	241	0
Net cash used in investing activities	(335,673)	(226,599)	(280,007)
Cash flows from financing activities:
Change in deposits, net	345,567	298,479	81,851
Change in repurchase agreements and federal funds purchased, net	14,921	9,814	(55,657)
Advances from Federal Home Loan Bank	100,000	225,000	45,000
Payments on advances from Federal Home Loan Bank	(100,020)	(225,021)	(45,020)
Payment of finance lease liabilities	0	(33)	(24)
Proceeds from long-term debt/other borrowings	0	6,563	0
Repayment of long-term debt/other borrowings	(225)	(163)	0
Issuance of common stock	1,770	1,129	1,041
Dividends paid	(33,407)	(32,187)	(29,938)
Net cash provided by (used in) financing activities	328,606	283,581	(2,747)
Net increase (decrease) in cash and cash equivalents	98,105	142,714	(183,070)
Cash and cash equivalents at beginning of year	271,400	128,686	311,756
Cash and cash equivalents at end of year	369,505	271,400	128,686
Supplemental disclosures:
Income taxes paid	20,611	20,728	16,293
Interest paid	126,459	90,388	27,419
Non-cash activities:
Loans to facilitate the sale of other real estate owned and repossessed assets	356	1,306	1,124
Common stock dividends accrued, paid in subsequent quarter	276	291	278
Real estate and assets acquired in settlement of loans	3,160	658	2,433
Right-of-use assets obtained in exchange for new operating/finance lease liabilities	$ 0	$ 358	$ 5,539

Accounting Policies

Accounting Policies	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Accounting Policies	1. Accounting Policies Basis of Presentation – The consolidated financial statements include Community Trust Bancorp, Inc. (“CTBI”) and our subsidiaries, including our principal subsidiary, Community Trust Bank, Inc. (“CTB”). Intercompany transactions and accounts have been eliminated in consolidation. Nature of Operations – Substantially all assets, liabilities, revenues, and expenses are related to banking operations, including lending, investing of funds, obtaining of deposits, trust and wealth management operations, full service brokerage operations, and other financing activities. All of our business offices and the majority of our business are located in eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee. Use of Estimates – In preparing the consolidated financial statements, management must make certain estimates and assumptions. These estimates and assumptions affect the amounts reported for assets, liabilities, revenues, and expenses, as well as affecting the disclosures provided. Future results could differ from the current estimates. Such estimates include, but are not limited to, the allowance for credit losses (“ACL”), goodwill, and the valuation of financial instruments. The accompanying financial statements have been prepared using values and information currently available to CTBI. Given the volatility of current economic conditions, the values of assets and liabilities recorded in the financial statements could change rapidly, resulting in material future adjustments in asset values, the ACL, and capital. Cash and Cash Equivalents – CTBI considers all liquid investments with original maturities of three months or less to be cash equivalents. Cash and cash equivalents include cash on hand, amounts due from banks, interest bearing deposits in other financial institutions, and federal funds sold. Generally, federal funds are sold for one-day periods. Certificates of Deposit in Other Banks – Certificates of deposit in other banks generally mature within 18 months and are carried at cost. Investments – Management determines the classification of securities at purchase. We classify debt securities into held-to-maturity , trading , or available-for-sale categories. Held-to-maturity ( “HTM”) securities are those which we have the positive intent and ability to hold to maturity and are reported at amortized cost. In accordance with the Financial Accounting Standards Board (“FASB”) Accounting Standards Codification ( “ASC”) 320 , Investments – Debt Securities , a. Trading securities . . b. Available-for-sale securities. Investments not classified as trading securities (nor as HTM securities) shall be classified as available-for-sale (“AFS”) securities. We do not have any securities that are classified as trading securities. AFS securities are reported at fair value, with unrealized gains and losses included as a separate component of shareholders’ equity, net of tax. If declines in fair value are other than temporary, the carrying value of the securities is written down to fair value as a realized loss with a charge to income for the portion attributable to credit losses and a charge to other comprehensive income for the portion that is not credit related. For AFS debt securities in an unrealized loss position, we evaluate the securities to determine whether the decline in the fair value below the amortized cost basis (impairment) is due to credit-related factors or non-credit related factors. Any impairment that is not credit-related is recognized in accumulated other comprehensive income, net of tax. Credit-related impairment is recognized as an ACL for AFS debt securities on the consolidated balance sheet, limited to the amount by which the amortized cost basis exceeds the fair value, with a corresponding adjustment to earnings. Accrued interest receivable on AFS debt securities is excluded from the estimate of credit losses. Both the ACL for AFS debt securities and the adjustment to net income may be reversed if conditions change. However, if we intend to sell an impaired AFS debt security or more likely than not will be required to sell such a security before recovering its amortized cost basis, the entire impairment amount would be recognized in earnings with a corresponding adjustment to the security’s amortized cost basis. Because the security’s amortized cost basis is adjusted to fair value, there is no ACL for AFS debt securities in this situation. In evaluating AFS debt securities in unrealized loss positions for impairment and the criteria regarding its intent or requirement to sell such securities, we consider the extent to which fair value is less than amortized cost, whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuers’ financial condition, among other factors. There were no credit related factors underlying unrealized losses on AFS debt securities at December 31, 2024 and 2023; therefore, no ACL for AFS securities was recorded. Changes in the ACL for AFS debt securities are recorded as expense. Losses are charged against the ACL for AFS debt securities when management believes the uncollectability of an AFS debt security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Gains or losses on disposition of debt securities are computed by specific identification for those securities. Interest and dividend income, adjusted by amortization of purchase premium or discount, is included in earnings. HTM securities are subject to an allowance for lifetime expected credit losses, determined by adjusting historical loss information for current conditions and reasonable and supportable forecasts. The forward-looking evaluation of lifetime expected losses will be performed on a pooled basis for debt securities that share similar risk characteristics. These allowances for expected losses must be made by the holder of the HTM debt security when the security is purchased. At December 31, 2024 and 2023, CTBI held no securities designated as HTM. CTBI accounts for equity securities in accordance with ASC 321, Investments – Equity Securities Equity securities with a readily determinable fair value are required to be measured at fair value, with changes in fair value recognized in net income. Equity securities without a readily determinable fair value are carried at cost, less any impairment, if any, plus or minus changes resulting from observable price changes for identical or similar investments. As permitted by ASC 321-10-35-2, CTBI can make an irrevocable election to subsequently measure an equity security without a readily determinable fair value, and all identical or similar investments of the same issuer, including future purchases of identical or similar investments of the same issuer, at fair value. CTBI has made this election for our Visa Class B equity securities. The fair value of these securities was determined by a third party service provider using Level 3 inputs as defined in ASC 820, Fair Value Measurement Loans – With the implementation of ASU 2022-02, enhanced disclosure requirements have been implemented for certain loan modifications when a borrower is experiencing financial difficulty. These concessions typically result from our loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance, or other actions. Modifications of terms for our loans are based on individual facts and circumstances. Loan modifications involve either an increase or reduction of the interest rate, extension of the term of the loan, or deferral of principal and/or interest payments, regardless of the period of the modification. All of the loan modifications were done due to financial stress of the borrower. In order to determine if a borrower was experiencing financial difficulty, an evaluation was performed to determine the probability that the borrower would be in payment default on any of its debt in the foreseeable future without the modification. This evaluation was performed under CTBI ’s internal underwriting policy. Leases – CTBI accounts for leases under ASC 842, recording a right-of-use asset and a lease liability for all leases with terms longer than 12 months. The right-of-use asset represents the right to use the asset under lease for the lease term, and the lease liability represents the contractual obligation to make lease payments. The right-of-use asset is tested for impairment whenever events or changes in circumstances indicate the carrying value might not be recoverable. Leases are classified as either finance or operating, with classification affecting the pattern of expense recognition in the consolidated income statement. A lease is treated as a sale if it transfers all of the risks and rewards, as well as control of the underlying asset, to the lessee. If risks and rewards are conveyed without the transfer of control, the lease is treated as a financing. If the lessor does not convey risks and rewards or control, an operating lease results. Right-of-use assets and lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents our incremental borrowing rate, on a collateralized basis, over a similar term at the lease commencement date and may be re-measured for certain modifications or the company’s exercise of options (renewal, extension, or termination) under the lease. Right-of-use assets are further adjusted for prepaid rent, lease incentives, and initial direct costs, if any. Expenses are recognized through occupancy expense. Allowance for Credit Losses – CTBI accounts for the ACL under ASC 326. CTBI measures expected credit losses of financial assets on a collective (pool) basis using the discounted cash flow method when the financial assets share similar risk characteristics. Loans that do not share risk characteristics are evaluated on an individual basis. Regardless of an initial measurement method, once it is determined that foreclosure is probable, the ACL is measured based on the fair value of the collateral as of the measurement date. As a practical expedient, the fair value of the collateral may be used for a loan when determining the ACL for which the repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty. The fair value shall be adjusted for selling costs when foreclosure is probable. For collateral-dependent financial assets, the credit loss expected may be zero if the fair value less costs to sell exceed the amortized cost of the loan. Loans shall not be included in both collective assessments and individual assessments. In the event that collection of principal becomes uncertain, CTBI has policies in place to reverse accrued interest in a timely manner. Therefore, CTBI elected Accounting Standards Update ( “ASU” one We maintain an ACL at a level that is appropriate to cover estimated credit losses on individually evaluated loans, as well as estimated credit losses inherent in the remainder of the loan and lease portfolio. Credit losses are charged and recoveries are credited to the ACL. We utilize an internal risk grading system for commercial credits. Those credits that meet the following criteria are subject to individual evaluation: the loan has an outstanding bank share balance of $1 million or greater and meets one of the following criteria: (i) has a criticized risk rating, (ii) is in nonaccrual status, (iii) the borrower is experiencing financial difficulty with significant payment delay, or (iv) is 90 days or more past due. The borrower’s cash flow, adequacy of collateral coverage, and other options available to CTBI, including legal remedies, are evaluated. We evaluate the collectability of both principal and interest when assessing the need for loss provision. Historical loss rates are analyzed and applied to other commercial loan segments not subject to individual evaluation. Homogenous loans, such as consumer installment, residential mortgages, and home equity lines are not individually risk graded. The associated ACL for these loans is measured in pools with similar risk characteristics under ASC 326. When any secured commercial loan is considered uncollectable, whether past due or not, a current assessment of the value of the underlying collateral is made. If the balance of the loan exceeds the fair value of the collateral, the loan is placed on nonaccrual and the loan is charged down to the value of the collateral less estimated cost to sell. For commercial loans greater than $1 million that are categorized as individually evaluated based on the criteria listed above, a specific reserve is established if a loss is determined to be possible and then charged-off once it is probable. When the foreclosed collateral has been legally assigned to CTBI, the estimated fair value of the collateral less costs to sell is then transferred to other real estate owned or other repossessed assets, and a charge-off is taken for any remaining balance. When any unsecured commercial loan is considered uncollectable the loan is charged off no later than at 90 days past due. All closed-end consumer loans (excluding conventional 1-4 family residential loans and installment and revolving loans secured by real estate) are charged off no later than 120 days (five monthly payments) delinquent. If a loan is considered uncollectable, it is charged off earlier than 120 days delinquent. For conventional 1-4 family residential loans and installment and revolving loans secured by real estate, when a loan is 90 days past due, a current assessment of the value of the real estate is made. If the balance of the loan exceeds the fair value of the property, the loan is placed on nonaccrual. Foreclosure proceedings are normally initiated after 120 days. When the foreclosed property has been legally assigned to CTBI, the fair value less estimated costs to sell is transferred to other real estate owned and the remaining balance is taken as a charge-off. CTBI utilizes third party software and discounted cash flow loss rate methodologies for all loan segments. Within the discount cash flow calculation, an effective yield of the instrument is calculated, net of the impacts of prepayment assumptions, and the instrument expected cash flows. The expected cash flows were modeled considering probability of default and segment-specific loss given default (“LGD”) risk factors, utilizing the software’s proprietary database of financial institutions’ filings, evaluated first by geography and asset size and then with the utilization of standard deviations, to assure relevance to CTBI’s loan segments along with CTBI’s own loss history. Cash flows are then discounted at that effective yield to produce an instrument-level net present value (“NPV”) of expected cash flows. An ACL is established for the difference between the instrument’s NPV and amortized cost basis. Any changes in NPV between periods is recorded as provision for credit losses. The modeling of expected prepayment speeds, curtailment rates, and time to recovery are based on historical internal data and adjusted, if necessary, based on the reasonable and supportable forecast of economic conditions. Management incorporates qualitative factors to loss estimates used to derive CTBI’s total ACL including delinquency trends, current economic conditions and trends, strength of supervision and administration of the loan portfolio, levels of underperforming loans, underwriting exceptions, and industry concentrations. Forecast factors include gross domestic product, light weight vehicle sales, and S&P/Case-Shiller US National Home Price Index. Management continually reevaluates the other subjective factors included in our ACL analysis. Loans Held for Sale – Premises and Equipment – Premises and equipment are stated at cost less accumulated depreciation and amortization. Premises and equipment are evaluated for impairment on a quarterly basis. Depreciation and amortization are computed primarily using the straight-line method. Estimated useful lives range up to 40 years for buildings, 2 to 10 years for furniture, fixtures, and equipment, and up to the lease term for leasehold improvements. Federal Home Loan Bank and Federal Reserve Stock – CTB is a member of the Federal Home Loan Bank (“FHLB”) system. Members are required to own a certain amount of stock based on the level of borrowings and other factors and may invest additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on the ultimate recovery par value. Both cash and stock dividends are reported as income. CTB is also a member of its regional Federal Reserve Bank. Federal Reserve Bank stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on the ultimate recovery par value. Both cash and stock dividends are reported as income. Other Real Estate Owned – When foreclosed properties are acquired, appraisals are obtained and the properties are booked at the current fair value less expected sales costs. Additionally, periodic updated appraisals are obtained on unsold foreclosed properties. When an updated appraisal reflects a fair value below the current book value, a charge is booked to current earnings to reduce the property to its new fair value less expected sales costs. Our policy for determining the frequency of periodic reviews is based upon consideration of the specific properties and the known or perceived market fluctuations in a particular market and is typically between 12 and 18 months but generally not more than 24 months. All revenues and expenses related to the carrying of other real estate owned (“OREO”) are recognized through the income statement. Goodwill and Core Deposit Intangible – We evaluate total goodwill and core deposit intangible for impairment, based upon ASC 350, Intangibles-Goodwill and Other The balance of goodwill, at $65.5 million, has not changed since January 1, 2015. Our core deposit intangible has been fully amortized since December 31, 2017. Transfers of Financial Assets – Revenue Recognition – The majority of our revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans, letters of credit, and investment securities, as well as revenue related to our mortgage banking activities, as these activities are subject to other principles under GAAP discussed elsewhere within our disclosures. Descriptions of our revenue-generating activities that are within the scope of ASC 606, which are presented in our income statements as components of noninterest income are as follows: ● Service charges on deposit accounts represent general service fees for monthly account maintenance and activity- or transaction-based fees and consist of transaction-based revenue, time-based revenue (service period), item-based revenue, or some other individual attribute-based revenue. Revenue is recognized when our performance obligation is completed which is generally monthly for account maintenance services or when a transaction has been completed. Payment for such performance obligations is generally received at the time the performance obligations are satisfied. ● Trust and wealth management income represents monthly or quarterly fees due from wealth management customers as consideration for managing the customers’ assets. Wealth management and trust services include custody of assets, investment management, escrow services, fees for trust services, and similar fiduciary activities. Revenue is recognized when our performance obligation is completed each month or quarter, which is generally the time that payment is received. ● Brokerage revenue is either fee based and collected upon the settlement of the transaction or commission based and ● Other noninterest income primarily includes items such as letter of credit fees, gains on sale of loans held for sale, and servicing fees related to mortgage and commercial loans, none of which are subject to the requirements of ASC 606. Advertising Expense – It is CTBI’s policy to expense advertising costs in the period in which they are incurred. Income Taxes – Income tax expense is based on the taxes due on the consolidated tax return plus deferred taxes based on the expected future tax benefits and consequences of temporary differences between carrying amounts and tax bases of assets and liabilities, using enacted tax rates. Any interest and penalties incurred in connection with income taxes are recorded as a component of income tax expense in our consolidated financial statements. During the years ended December 31, 2024, 2023, and 2022, CTBI has not recognized a significant amount of interest expense or penalties in connection with income taxes. Earnings Per Share (“EPS”) – Basic EPS is calculated by dividing net income available to common shareholders by the weighted average number of common shares outstanding, excluding restricted shares. Diluted EPS adjusts the number of weighted average shares of common stock outstanding by the dilutive effect of stock options, including restricted shares, as prescribed in ASC 718, Share-Based Payment Segments – Bank Owned Life Insurance – Mortgage Servicing Rights – Mortgage servicing rights (“MSRs”) are carried at fair value following the accounting guidance in ASC 860-50, Servicing Assets and Liabilities Fair Value Measurements Share-Based Compensation – CTBI has a share-based employee compensation plan, which is described more fully in note 14 below. CTBI accounts for this plan under the recognition and measurement principles of ASC 718, Share-Based Payment Comprehensive Income – Comprehensive income consists of net income and other comprehensive income, net of applicable income taxes. Other comprehensive income includes unrealized appreciation (depreciation) on AFS securities and unrealized appreciation (depreciation) on AFS securities for which a portion of an other than temporary impairment has been recognized in income. Transfers between Fair Value Hierarchy Levels Estimated Credit Losses on Off-Balance Sheet Credit Exposures Recognized as Other Liabilitie – CTBI estimates expected credit losses over the contractual period in which it has exposure to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by CTBI. The ACL on off-balance sheet credit exposures recognized in other liabilities is adjusted as an expense in other noninterest expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated lives. Estimating credit losses on unfunded commitments requires CTBI to consider the following categories of off-balance sheet credit exposure: unfunded commitments to extend credit, unfunded lines of credit, and standby letters of credit. Each of these unfunded commitments is then analyzed for a probability of funding to calculate a probable funding amount. The life of loan loss factor by related portfolio segment from the loan ACL calculation is then applied to the probable funding amount to calculate the estimated credit losses on off-balance sheet credit exposures recognized as other liabilities . New Accounting Standards – ➢ Facilitation of the Effects of Reference Rate Reform on Financial Reporting Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848 Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting On January 27, 2023, CTBI received notice from the trustee of the trust subsidiary, that based on their review of the junior subordinated debentures and the related trust preferred securities (the “ ”) , the “LIBOR Act ”) , 2022 implementing the LIBOR Act (the “Final Regulations ” , , 2023 (the “ ”) SOFR SOFR ➢ Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions – Fair Value Measurement Topic 820: Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions Fair Value Measurement ➢ FASB Improves the Accounting for Investments in Tax Credit Structures Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method ➢ FASB Issues Improvements to Reportable Segment Disclosures Segment Reporting (Topic 280), Improvements to Reportable Segment Disclosures. ” ➢ FASB Issues Standard that Enhance Income Tax Disclosures Income Taxes (Topic 740): Improvements to Income Tax Disclosures ➢ FASB Issues Improvement to Income Statement Expense Disclosures Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses. ● Disclose the amounts of (a) purchases of inventory; (b) employee compensation; (c) depreciation; (d) intangible asset amortization; and (e) depreciation, depletion, and amortization recognized as part of oil- and gas- producing activities (or other amounts of depletion expense) included in each relevant expense caption. ● Include certain amounts that are already required to be disclosed under current GAAP in the same disclosure as the other disaggregation requirements. ● Disclose a qualitative description of the amounts remaining in relevant expense captions that are not separately disaggregated quantitatively. ● Disclose the total amount of selling expenses and, in annual reporting periods, an entity’s definition of selling expenses. The amendments in the ASU are effective for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. Early adoption is permitted. CTBI does not anticipate a significant impact to our consolidated financial statements.

Cash and Due from Banks and Int

Cash and Due from Banks and Interest Bearing Deposits	12 Months Ended
	Dec. 31, 2024
Cash and Due from Banks and Interest Bearing Deposits [Abstract]
Cash and Due from Banks and Interest Bearing Deposits	2. Cash and Due from Banks and Interest Bearing Deposits At December 31, 2024, CTBI had cash accounts which exceeded federally insured limits, and therefore were not subject to FDIC insurance, with $289.4 million in deposits with the Federal Reserve, $25.6 million in deposits with U.S. Bank, $6.0 million in deposits with the FHLB, $2.3 million in deposits with Fifth Third Bank, and $1.1 million in deposits with Raymond James.

Securities

Securities	12 Months Ended
	Dec. 31, 2024
Securities [Abstract]
Securities	3. Securities The amortized cost and fair value of debt securities at December 31, 2024 are summarized as follows: Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasury and government agencies $ 360,027 $ 84 $ (18,616 ) $ 341,495 State and political subdivisions 304,588 12 (51,043 ) 253,557 U.S. government sponsored agency mortgage-backed securities 471,000 131 (61,422 ) 409,709 Asset-backed securities 51,034 10 (77 ) 50,967 Total available-for-sale securities $ 1,186,649 $ 237 $ (131,158 ) $ 1,055,728 The amortized cost and fair value of debt securities at December 31, 2023 are summarized as follows: Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasury and government agencies $ 381,268 $ 121 $ (26,572 ) $ 354,817 State and political subdivisions 313,147 88 (48,290 ) 264,945 U.S. government sponsored agency mortgage-backed securities 518,836 36 (62,136 ) 456,736 Asset-backed securities 87,993 0 (767 ) 87,226 Total available-for-sale securities $ 1,301,244 $ 245 $ (137,765 ) $ 1,163,724 The amortized cost and fair value of debt securities at December 31, 2024 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Available-for-Sale (in thousands) Amortized Cost Fair Value Due in one year or less $ 113,132 $ 112,391 Due after one through five years 286,927 265,720 Due after five through ten years 133,102 113,171 Due after ten years 131,454 103,770 U.S. government sponsored agency mortgage-backed securities 471,000 409,709 Asset-backed securities 51,034 50,967 Total debt securities $ 1,186,649 $ 1,055,728 For the year ended December 31, 2024, we had a net securities gain of $631 thousand. There was a net gain of $8 thousand realized on sales and calls of AFS securities, and an unrealized gain of $623 thousand from the fair value adjustment of equity securities. There was a net gain of $996 thousand realized for the year 2023 and a net loss of $168 thousand realized for the year 2022. Equity Securities at Fair Value CTBI made the election permitted by ASC 321-10-35-2 to record its Visa Class B shares at fair value. Equity securities at fair value as of December 31, 2024 were $3.8 million, as a result of a $623 thousand increase in the fair value in 2024. The fair value of equity securities increased $992 thousand in 2023. No equity securities were sold during 2024 or 2023. The amortized cost of securities pledged as collateral, to secure public deposits and for other purposes, was $630.8 million at December 31, 2024 and $761.5 million at December 31, 2023. The amortized cost of securities sold under agreements to repurchase amounted to $330.0 million at December 31, 2024 and $333.6 million at December 31, 2023. CTBI evaluates its investment portfolio on a quarterly basis for impairment. The analysis performed as of December 31, 2024 indicates that all impairment is considered temporary, market and interest rate driven, and not credit-related. The percentage of total debt securities with unrealized losses as of December 31, 2024 was 95.5% compared to 97.3% as of December 31, 2023. The following table provides the amortized cost, gross unrealized losses, and fair value, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position as of December 31, 2024 that are not deemed to have credit losses. Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 1,396 $ (2 ) $ 1,394 State and political subdivisions 14,262 (192 ) 14,070 U.S. government sponsored agency mortgage-backed securities 28,028 (994 ) 27,034 Asset-backed securities 24,545 (14 ) 24,531 Total <12 months temporarily impaired AFS securities 68,231 (1,202 ) 67,029 12 Months or More U.S. Treasury and government agencies 351,315 (18,614 ) 332,701 State and political subdivisions 288,445 (50,851 ) 237,594 U.S. government sponsored agency mortgage-backed securities 416,270 (60,428 ) 355,842 Asset-backed securities 15,579 (63 ) 15,516 Total ≥12 months temporarily impaired AFS securities 1,071,609 (129,956 ) 941,653 Total U.S. Treasury and government agencies 352,711 (18,616 ) 334,095 State and political subdivisions 302,707 (51,043 ) 251,664 U.S. government sponsored agency mortgage-backed securities 444,298 (61,422 ) 382,876 Asset-backed securities 40,124 (77 ) 40,047 Total temporarily impaired AFS securities $ 1,139,840 $ (131,158 ) $ 1,008,682 The analysis performed as of December 31, 2023 indicated that all impairment was considered temporary, market and interest rate driven, and not credit-related. The following table provides the amortized cost, gross unrealized losses, and fair value, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position as of December 31, 2023 that are not deemed to be other-than-temporarily impaired. Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 3,761 $ (5 ) $ 3,756 State and political subdivisions 16,154 (1,250 ) 14,904 U.S. government sponsored agency mortgage-backed securities 16,056 (289 ) 15,767 Asset-backed securities 0 0 0 Total <12 months temporarily impaired AFS securities 35,971 (1,544 ) 34,427 12 Months or More U.S. Treasury and government agencies 361,038 (26,567 ) 334,471 State and political subdivisions 284,397 (47,040 ) 237,357 U.S. government sponsored agency mortgage-backed securities 500,763 (61,847 ) 438,916 Asset-backed securities 87,993 (767 ) 87,226 Total ≥12 months temporarily impaired AFS securities 1,234,191 (136,221 ) 1,097,970 Total U.S. Treasury and government agencies 364,799 (26,572 ) 338,227 State and political subdivisions 300,551 (48,290 ) 252,261 U.S. government sponsored agency mortgage-backed securities 516,819 (62,136 ) 454,683 Asset-backed securities 87,993 (767 ) 87,226 Total temporarily impaired AFS securities $ 1,270,162 $ (137,765 ) $ 1,132,397 U.S. Treasury and Government Agencies The unrealized losses in U.S. Treasury and government agencies were caused by interest rate changes. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than par which will equal amortized cost at maturity. CTBI does not intend to sell the investments and it is not more likely than not that we will be required to sell the investments before recovery of their amortized cost. State and Political Subdivisions The unrealized losses in securities of state and political subdivisions were caused by interest rate changes. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than par which will equal amortized cost at maturity. CTBI does not intend to sell the investments before recovery of their amortized cost and it is not more likely than not that we will be required to sell the investments before recovery of their amortized cost. U.S. Government Sponsored Agency Mortgage-Backed Securities The unrealized losses in U.S. government sponsored agency mortgage-backed securities were caused by interest rate changes. CTBI expects to recover the amortized cost basis over the term of the securities. CTBI does not intend to sell the investments and it is not more likely than not that we will be required to sell the investments before recovery of their amortized cost. Asset-Backed Securities The unrealized losses in asset-backed securities were caused by interest rate changes. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than par which will equal amortized cost at maturity. CTBI does not intend to sell the investments and it is not more likely than not that we will be required to sell the investments before recovery of their amortized cost.

Loans

Loans	12 Months Ended
	Dec. 31, 2024
Loans [Abstract]
Loans	4. Loans Major classifications of loans, net of unearned income, deferred loan origination costs and fees, and net premiums on acquired loans, are summarized as follows: (in thousands) December 31 2024 December 31 2023 Hotel/motel $ 458,832 $ 395,765 Commercial real estate residential 508,310 417,943 Commercial real estate nonresidential 865,031 778,637 Dealer floorplans 84,956 70,308 Commercial other 355,550 321,082 Commercial loans 2,272,679 1,983,735 Real estate mortgage 1,043,401 937,524 Home equity lines 167,425 147,036 Residential loans 1,210,826 1,084,560 Consumer direct 152,843 159,106 Consumer indirect 850,289 823,505 Consumer loans 1,003,132 982,611 Loans and lease financing $ 4,486,637 $ 4,050,906 The loan portfolios presented above are net of unearned fees and unamortized premiums. Unearned fees included above totaled $1.2 thousand as of December 31, 2024 and $0.8 million as of December 31, 2023, while the unamortized premiums on the indirect lending portfolio totaled $32.0 million as of December 31, 2024 and $31.4 million as of December 31, 2023. CTBI has segregated and evaluates our loan portfolio through nine portfolio segments with similar risk characteristics. CTBI serves customers in small and mid-sized communities in eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee. Therefore, CTBI’s exposure to credit risk is significantly affected by changes in these communities. Hotel/motel loans are a significant concentration for CTBI, representing approximately 10.2% of total loans. This industry has unique risk characteristics as it is highly susceptible to changes in the domestic and global economic environments, which can cause the industry to experience substantial volatility. Additionally, any hotel/motel construction loans would be included in this segment as CTBI’s construction loans are primarily completed as one loan going from construction to permanent financing. These loans are originated based on the borrower’s ability to service the debt and secondarily based on the fair value of the underlying collateral. Commercial real estate residential loans are commercial purpose construction and permanent financed loans for commercial purpose 1-4 family/multi-family properties. These loans are originated based on the borrower’s ability to service the debt and secondarily based on the fair value of the underlying collateral. Commercial real estate nonresidential loans are secured by nonfarm, nonresidential properties, farmland, and other commercial real estate. These loans are originated based on the borrower’s ability to service the debt and secondarily based on the fair value of the underlying collateral. Construction for commercial real estate nonresidential loans are also included in this segment as these loans are generally one loan for construction to permanent financing. Dealer floorplans consist of loans to dealerships to finance inventory and are collateralized under a blanket security agreement and without specific liens on individual units. This risk is mitigated by the use of periodic inventory audits. These audits are performed monthly and follow up is required on any out of compliance items identified. These audits are subject to increasing frequency when fact patterns suggest more scrutiny is required. Commercial other loans consist of agricultural loans, receivable financing, loans to financial institutions, loans for purchasing or carrying securities, and other commercial purpose loans. Commercial loans are underwritten based on the borrower’s ability to service debt from the business’s underlying cash flows. As a general practice, we obtain collateral such as equipment, or other assets, although such loans may be uncollateralized but guaranteed. Residential real estate loans are a mixture of fixed rate and adjustable rate first and second lien residential mortgage loans and also include real estate construction loans which are typically for owner-occupied properties. The terms of the real estate construction loans are generally short-term with permanent financing upon completion. As a policy, CTBI holds adjustable rate loans and sells the majority of our fixed rate first lien mortgage loans into the secondary market. Changes in interest rates or market conditions may impact a borrower’s ability to meet contractual principal and interest payments. Residential real estate loans are secured by real property. Home equity lines are primarily revolving adjustable rate credit lines secured by real property. Consumer direct loans are a mixture of fixed rate and adjustable rate products comprised of unsecured loans, consumer revolving credit lines, deposit secured loans, and all other consumer purpose loans. Indirect loans are primarily fixed rate consumer loans secured by automobiles, trucks, vans, and recreational vehicles originated at the selling dealership underwritten and purchased by CTBI’s indirect lending department. Both new and used products are financed. Only dealers who have executed dealer agreements with CTBI participate in the indirect lending program. Not included in the loan balances above were loans held for sale in the amount of $0.2 million at December 31, 2024 and December 31, 2023. Allowance for Credit Losses The following tables present the balance in the ACL for the years ended December 31, 2024 and December 31, 2023. Year Ended December 31, 2024 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 4,592 $ 616 $ 0 $ 0 $ 5,208 Commercial real estate residential 4,285 1,145 0 37 5,467 Commercial real estate nonresidential 7,560 2,670 0 77 10,307 Dealer floorplans 659 23 0 0 682 Commercial other 3,760 1,048 (1,476 ) 500 3,832 Real estate mortgage 10,197 2,405 (125 ) 27 12,504 Home equity 1,367 194 (80 ) 18 1,499 Consumer direct 3,261 (69 ) (1,220 ) 249 2,221 Consumer indirect 13,862 2,919 (7,602 ) 4,069 13,248 Total $ 49,543 $ 10,951 $ (10,503 ) $ 4,977 $ 54,968 Year Ended December 31, 2023 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 5,171 $ (579 ) $ 0 $ 0 $ 4,592 Commercial real estate residential 4,894 (706 ) (28 ) 125 4,285 Commercial real estate nonresidential 9,419 (2,252 ) (294 ) 687 7,560 Dealer floorplans 1,776 (1,117 ) 0 0 659 Commercial other 5,285 (91 ) (1,900 ) 466 3,760 Real estate mortgage 7,932 2,364 (140 ) 41 10,197 Home equity 1,106 278 (23 ) 6 1,367 Consumer direct 1,694 1,804 (541 ) 304 3,261 Consumer indirect 8,704 7,110 (5,333 ) 3,381 13,862 Total $ 45,981 $ 6,811 $ (8,259 ) $ 5,010 $ 49,543 Using the ACL software, forecasts include gross domestic product, light weight vehicle sales index, and housing price index considerations. CTBI leverages economic projections from the Federal Open Market Committee to obtain various forecasts for unemployment rate, gross domestic product, light weight vehicle sales index, and the PNC forecast for the Case-Shiller National Home Price Index. CTBI has elected to forecast the first four quarters of the credit loss estimate and revert to a long-run average of each considered economic factor, as permitted in ASC 326-20-30-9, over four quarters. All periods during the reasonable and supportable forecast period are utilizing a forecasted probability of default. Loss driver analysis was performed during which regression models were built relating default rates of the various segments to the economic factors noted above. Historical loss data for both CTBI and segment-specific selected peers was incorporated from Federal Financial Institutions Examination Council call report data. For loss given default, the Frye-Jacobs LGD estimation technique was utilized in the ACL software providing a risk curve that most approximates the asset class under consideration. Management elected to evaluate internal prepayment experience over a trailing timeframe to determine the appropriate prepayment and curtailment rates to be used in the credit loss estimate. CTBI uses management judgement for qualitative loss factors such as delinquency trends, supervision and administration, quality control exceptions, collateral values, and industry concentrations. The ACL software allows management to approve a “worst case” scenario or a maximum loss rate for each segment. Qualitative dollars available for allocation then become the difference between the worst case and the ACL quantitative reserve estimate. Each factor is then given a risk weighting that is applied to determine a basis point allocation. The qualitative loss factors are as follows: • Changes in delinquency trends by loan segment • Changes in international, national, regional, and local conditions • The effect of other external factors (i.e. competition, legal and regulatory requirements) on the level of estimated credit losses • The existence and effect of any concentrations of credit and changes in the levels of such concentrations • A supervision and administration allocation based on CTBI’s loan review process • Exceptions in lending policies and procedures as measured by quarterly loan portfolio exceptions reports • Changes in the nature and volume of the portfolio and terms of loans Delinquencies The accrual of interest income on loans is discontinued when management believes, after considering economic and business conditions, collateral value, and collection efforts, that the borrower’s financial condition is such that the collection of interest is doubtful. Cash payments received on nonaccrual loans generally are applied against principal, and interest income is only recorded once principal recovery is reasonably assured. Any loans greater than 90 days past due must be well secured and in the process of collection to continue accruing interest. See note 1 to the consolidated financial statements for further discussion on our nonaccrual policy. Nonaccrual loans and loans 90 days past due and still accruing segregated by loan segment for December 31, 2024 and December 31, 2023 were as follows: (in thousands) December 31, 2024 Nonaccrual Loans with No ACL Nonaccrual Loans with ACL 90+ and Still Accruing Total Nonperforming Loans Commercial real estate residential $ 0 $ 1,248 $ 369 $ 1,617 Commercial real estate nonresidential 8,000 1,641 3,513 13,154 Commercial other 246 1,106 64 1,416 Total commercial loans 8,246 3,995 3,946 16,187 Real estate mortgage 0 3,748 5,072 8,820 Home equity lines 0 204 444 648 Total residential loans 0 3,952 5,516 9,468 Consumer direct 0 176 93 269 Consumer indirect 0 0 762 762 Total consumer loans 0 176 855 1,031 Loans and lease financing $ 8,246 $ 8,123 $ 10,317 $ 26,686 (in thousands) December 31, 2023 Nonaccrual Loans with No ACL Nonaccrual Loans with ACL 90+ and Still Accruing Total Nonperforming Loans Commercial real estate residential $ 0 $ 498 $ 1,059 $ 1,557 Commercial real estate nonresidential 0 680 2,270 2,950 Commercial other 236 452 162 850 Total commercial loans 236 1,630 3,491 5,357 Real estate mortgage 0 1,996 5,302 7,298 Home equity lines 0 186 557 743 Total residential loans 0 2,182 5,859 8,041 Consumer direct 0 0 15 15 Consumer indirect 0 0 555 555 Total consumer loans 0 0 570 570 Loans and lease financing $ 236 $ 3,812 $ 9,920 $ 13,968 The following tables present CTBI’s loan portfolio aging analysis, segregated by loan segment, as of December 31, 2024 and December 31, 2023 (includes loans 90 days past due and still accruing as well): (in thousands) December 31, 2024 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Past Due Current Total Loans Hotel/motel $ 0 $ 0 $ 0 $ 0 $ 458,832 $ 458,832 Commercial real estate residential 575 444 828 1,847 506,463 508,310 Commercial real estate nonresidential 1,349 118 12,890 14,357 850,674 865,031 Dealer floorplans 0 0 0 0 84,956 84,956 Commercial other 1,033 595 1,018 2,646 352,904 355,550 Total commercial loans 2,957 1,157 14,736 18,850 2,253,829 2,272,679 Real estate mortgage 654 3,304 7,998 11,956 1,031,445 1,043,401 Home equity lines 1,919 348 613 2,880 164,545 167,425 Total residential loans 2,573 3,652 8,611 14,836 1,195,990 1,210,826 Consumer direct 876 107 268 1,251 151,592 152,843 Consumer indirect 4,872 1,096 762 6,730 843,559 850,289 Total consumer loans 5,748 1,203 1,030 7,981 995,151 1,003,132 Loans and lease financing $ 11,278 $ 6,012 $ 24,377 $ 41,667 $ 4,444,970 $ 4,486,637 (in thousands) December 31, 2023 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Past Due Current Total Loans Hotel/motel $ 0 $ 0 $ 0 $ 0 $ 395,765 $ 395,765 Commercial real estate residential 1,047 275 1,525 2,847 415,096 417,943 Commercial real estate nonresidential 549 332 2,619 3,500 775,137 778,637 Dealer floorplans 0 0 0 0 70,308 70,308 Commercial other 663 494 641 1,798 319,284 321,082 Total commercial loans 2,259 1,101 4,785 8,145 1,975,590 1,983,735 Real estate mortgage 1,323 3,455 6,168 10,946 926,578 937,524 Home equity lines 911 273 707 1,891 145,145 147,036 Total residential loans 2,234 3,728 6,875 12,837 1,071,723 1,084,560 Consumer direct 1,013 118 15 1,146 157,960 159,106 Consumer indirect 4,550 1,029 555 6,134 817,371 823,505 Total consumer loans 5,563 1,147 570 7,280 975,331 982,611 Loans and lease financing $ 10,056 $ 5,976 $ 12,230 $ 28,262 $ 4,022,644 $ 4,050,906 Risk Characteristics The risk characteristics of CTBI’s material portfolio segments are as follows: Hotel/motel loans are a significant concentration for CTBI, representing approximately 10.2% of total loans. This industry has unique risk characteristics as it is highly susceptible to changes in the domestic and global economic environments, which can cause the industry to experience substantial volatility. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Hotel/motel lending typically involves higher loan principal amounts and the repayment of these loans is generally dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Management monitors and evaluates all commercial real estate loans based on collateral and risk grade criteria. Commercial construction loans generally are made to customers for the purpose of building income-producing properties, and any hotel/motel construction loan would be included in this segment. Personal guarantees of the principals are generally required. Such loans are made on a projected cash flow basis and are secured by the project being constructed. Construction loan draw procedures are included in each specific loan agreement, including required documentation items and inspection requirements. Construction loans may convert to term loans at the end of the construction period, or may be repaid by the take-out commitment from another financing source. If the loan is to convert to a term loan, the repayment ability is based on the borrower’s projected cash flow. Risk is mitigated during the construction phase by requiring proper documentation and inspections whenever a draw is requested. Commercial real estate residential loans are commercial purpose construction and permanent financed loans for commercial purpose 1-4 family/multi-family properties. All commercial real estate loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Management monitors and evaluates all commercial real estate loans based on collateral and risk grade criteria. Commercial residential construction loans generally are made to customers for the purpose of building income-producing properties. Personal guarantees of the principals are generally required. Such loans are made on a projected cash flow basis and are secured by the project being constructed. Construction loan draw procedures are included in each specific loan agreement, including required documentation items and inspection requirements. Construction loans may convert to term loans at the end of the construction period, or may be repaid by the take-out commitment from another financing source. If the loan is to convert to a term loan, the repayment ability is based on the borrower’s projected cash flow. Risk is mitigated during the construction phase by requiring proper documentation and inspections whenever a draw is requested. Commercial real estate nonresidential loans are secured by nonfarm, nonresidential properties, farmland, and other commercial real estate. Construction for commercial real estate nonresidential loans are also included in this segment as these loans are generally one loan for construction to permanent financing. All commercial real estate loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Management monitors and evaluates all commercial real estate loans based on collateral and risk grade criteria. Commercial nonresidential construction loans generally are made to customers for the purpose of building income-producing properties. Personal guarantees of the principals are generally required. Such loans are made on a projected cash flow basis and are secured by the project being constructed. Construction loan draw procedures are included in each specific loan agreement, including required documentation items and inspection requirements. Construction loans may convert to term loans at the end of the construction period, or may be repaid by the take-out commitment from another financing source. If the loan is to convert to a term loan, the repayment ability is based on the borrower’s projected cash flow. Risk is mitigated during the construction phase by requiring proper documentation and inspections whenever a draw is requested. Dealer floorplans are segmented separately as they are a unique product with unique risk factors. CTBI maintains strict processing procedures over our floorplan product with any exceptions requested by a loan officer approved by the appropriate loan committee and the floorplan manager. Commercial other loans are primarily based on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not be as expected and the collateral securing these loans may fluctuate in value. Most commercial loans are secured by the assets being financed or other business assets such as accounts receivable or inventory and may incorporate a personal guarantee; however, some short-term loans may be made on an unsecured basis. In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially dependent on the ability of the borrower to collect amounts due from our customers. As we underwrite our equipment lease financing in a manner similar to our commercial loan portfolio described below, the risk characteristics for this portfolio mirror that of the commercial loan portfolio. With respect to residential loans that are secured by 1-4 family residences and are generally owner occupied, CTBI generally establishes a maximum loan-to-value ratio and requires private mortgage insurance if that ratio is exceeded. Home equity loans are typically secured by a subordinate interest in 1-4 family residences. Residential construction loans are handled through the home mortgage area of the bank. The repayment ability of the borrower and the maximum loan-to-value ratio are calculated using the normal mortgage lending criteria. Draws are processed based on percentage of completion stages including normal inspection procedures. Such loans generally convert to term loans after the completion of construction. Consumer loans are secured by consumer assets such as automobiles or recreational vehicles. Some consumer loans are unsecured such as small installment loans and certain lines of credit. Our determination of a borrower’s ability to repay these loans is primarily dependent on the personal income and credit rating of the borrowers, which can be impacted by economic conditions in their market areas such as unemployment levels. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers. The indirect lending area of the bank is generally responsible for purchasing/funding consumer contracts with new and used automobile dealers. Dealer loan applications are forwarded to the indirect loan processing area for approval or denial. Loan approvals or denials are based on the creditworthiness and repayment ability of the borrowers, and on the collateral value. Upon a dealer being funded on an approved loan application and assignment of the retail installment contract to CTB, CTB will have limited recourse with the dealer, as set forth in the CTB dealer agreement. On occasion, the dealer will execute a separate, full recourse agreement with CTB to obtain customer financing. Credit Quality Indicators CTBI categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. CTBI also considers the fair value of the underlying collateral and the strength and willingness of the guarantor(s). CTBI analyzes commercial loans individually by classifying the loans as to credit risk. Loans classified as loss, doubtful, substandard, or special mention are reviewed quarterly by CTBI for further deterioration or improvement to determine if appropriately classified and valued if deemed impaired. All other commercial loan reviews are completed every 12 to 18 months. In addition, during the renewal process of any loan, as well as if a loan becomes past due or if other information becomes available, CTBI will evaluate the loan grade. CTBI uses the following definitions for risk ratings: ➢ Pass grades include investment grade, low risk, moderate risk, and acceptable risk loans. The loans range from loans that have no chance of resulting in a loss to loans that have a limited chance of resulting in a loss. Customers in this grade have excellent to fair credit ratings. The cash flows are adequate to meet required debt repayments. ➢ Watch graded loans are loans that warrant extra management attention but are not currently criticized. Loans on the watch list may be potential troubled credits or may warrant “watch” status for a reason not directly related to the asset quality of the credit. The watch grade is a management tool to identify credits which may be candidates for future classification or may temporarily warrant extra management monitoring. ➢ Other assets especially mentioned (OAEM) reflects loans that are currently protected but are potentially weak. These loans constitute an undue and unwarranted credit risk but not to the point of justifying a classification of substandard. The credit risk may be relatively minor yet constitute an unwarranted risk in light of circumstances surrounding a specific asset. Loans in this grade display potential weaknesses which may, if unchecked or uncorrected, inadequately protect CTBI’s credit position at some future date. The loans may be adversely affected by economic or market conditions. ➢ Substandard grading indicates that the loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged. These loans have a well-defined weakness or weaknesses that jeopardize the orderly liquidation of the debt with the distinct possibility that CTBI will sustain some loss if the deficiencies are not corrected. ➢ Doubtful graded loans have the weaknesses inherent in the substandard grading with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The probability of loss is extremely high, but because of certain important and reasonably specific pending factors which may work to CTBI’s advantage or strengthen the asset(s), its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral, and refinancing plans. The following tables present the credit risk profile of CTBI’s commercial loan portfolio based on rating category and payment activity, segregated by loan segment and based on last credit decision or year of origination: Term Loans Amortized Cost Basis by Origination Year (in thousands) December 31 2024 2023 2022 2021 2020 Prior Revolving Loans Total Hotel/motel Risk rating: Pass $ 72,924 $ 88,016 $ 134,663 $ 27,145 $ 21,609 $ 70,311 $ 5,419 $ 420,087 Watch 0 2,062 10,822 6,570 0 13,358 0 32,812 OAEM 0 0 0 0 0 0 0 0 Substandard 1,954 0 3,979 0 0 0 0 5,933 Doubtful 0 0 0 0 0 0 0 0 Total hotel/motel 74,878 90,078 149,464 33,715 21,609 83,669 5,419 458,832 Commercial real estate residential Risk rating: Pass 162,855 94,758 78,106 60,482 24,603 37,689 21,267 479,760 Watch 5,381 3,009 1,692 3,739 1,523 5,261 58 20,663 OAEM 31 0 0 0 0 58 0 89 Substandard 1,470 609 792 531 420 3,928 48 7,798 Doubtful 0 0 0 0 0 0 0 0 Total commercial real estate residential 169,737 98,376 80,590 64,752 26,546 46,936 21,373 508,310 Commercial real estate nonresidential Risk rating: Pass 180,139 121,801 124,200 120,623 62,674 155,561 38,270 803,268 Watch 4,574 2,004 4,004 8,683 3,425 6,970 624 30,284 OAEM 0 7 12 0 0 45 0 64 Substandard 4,873 1,527 357 2,700 11,179 10,778 0 31,414 Doubtful 0 0 0 0 0 1 0 1 Total commercial real estate nonresidential 189,586 125,339 128,573 132,006 77,278 173,355 38,894 865,031 Dealer floorplans Risk rating: Pass 0 0 0 0 0 0 82,639 82,639 Watch 0 0 0 0 0 0 1,861 1,861 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 0 0 0 456 0 456 Doubtful 0 0 0 0 0 0 0 0 Total dealer floorplans 0 0 0 0 0 456 84,500 84,956 Commercial other Risk rating: Pass 83,742 43,935 38,912 25,806 25,187 19,520 79,851 316,953 Watch 1,823 877 671 295 111 533 14,739 19,049 OAEM 27 0 0 8,469 0 0 30 8,526 Substandard 2,301 4,279 2,203 299 447 162 1,331 11,022 Doubtful 0 0 0 0 0 0 0 0 Total commercial other 87,893 49,091 41,786 34,869 25,745 20,215 95,951 355,550 Commercial other current period gross charge-offs (1,148 ) (134 ) (142 ) (45 ) (2 ) (5 ) 0 (1,476 ) Commercial loans Risk rating: Pass 499,660 348,510 375,881 234,056 134,073 283,081 227,446 2,102,707 Watch 11,778 7,952 17,189 19,287 5,059 26,122 17,282 104,669 OAEM 58 7 12 8,469 0 103 30 8,679 Substandard 10,598 6,415 7,331 3,530 12,046 15,324 1,379 56,623 Doubtful 0 0 0 0 0 1 0 1 Total commercial loans $ 522,094 $ 362,884 $ 400,413 $ 265,342 $ 151,178 $ 324,631 $ 246,137 $ 2,272,679 Total commercial loans current period gross charge-offs $ (1,148 ) $ (134 ) $ (142 ) $ (45 ) $ (2 ) $ (5 ) $ 0 $ (1,476 ) Term Loans Amortized Cost Basis by Origination Year (in thousands) December 31 2023 2022 2021 2020 2019 Prior Revolving Loans Total Hotel/motel Risk rating: Pass $ 79,651 $ 144,826 $ 28,011 $ 17,664 $ 40,873 $ 42,029 $ 4,042 $ 357,096 Watch 11,569 2,826 6,835 4,623 3,361 1,648 0 30,862 OAEM 0 3,982 0 0 0 1,954 0 5,936 Substandard 0 0 0 0 0 1,118 0 1,118 Doubtful 0 0 0 0 0 753 0 753 Total hotel/motel 91,220 151,634 34,846 22,287 44,234 47,502 4,042 395,765 Commercial real estate residential Risk rating: Pass 109,304 89,119 98,896 30,972 11,908 36,964 14,700 391,863 Watch 2,317 2,131 473 1,395 721 6,359 124 13,520 OAEM 0 0 0 0 0 63 0 63 Substandard 760 854 4,532 834 285 5,232 0 12,497 Doubtful 0 0 0 0 0 0 0 0 Total commercial real estate residential 112,381 92,104 103,901 33,201 12,914 48,618 14,824 417,943 Total commercial real estate residential current period gross charge-offs 0 0 (28 ) 0 0 0 0 (28 ) Commercial real estate nonresidential Risk rating: Pass 149,633 142,580 136,090 68,240 55,850 140,074 31,536 724,003 Watch 552 3,664 6,305 2,347 1,938 6,003 354 21,163 OAEM 2,375 15 0 7,255 0 1,486 0 11,131 Substandard 2,520 1,598 2,538 4,472 2,000 9,199 0 22,327 Doubtful 0 0 0 0 0 13 0 13 Total commercial real estate nonresidential 155,080 147,857 144,933 82,314 59,788 156,775 31,890 778,637 Total commercial real estate nonresidential current period gross charge-offs 0 0 (7 ) 0 0 (287 ) 0 (294 ) Dealer floorplans Risk rating: Pass 0 0 0 0 0 0 70,308 70,308 Watch 0 0 0 0 0 0 0 0 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 0 0 0 0 0 0 Doubtful 0 0 0 0 0 0 0 0 Total dealer floorplans 0 0 0 0 0 0 70,308 70,308 Commercial other Risk rating: Pass 73,115 47,575 40,448 30,033 4,780 22,588 81,791 300,330 Watch 1,138 1,109 569 126 239 635 5,877 9,693 OAEM 29 0 0 0 0 0 30 59 Substandard 4,921 3,581 381 890 211 403 613 11,000 Doubtful 0 0 0 0 0 0 0 0 Total commercial other 79,203 52,265 41,398 31,049 5,230 23,626 88,311 321,082 Total commercial other current period gross charge-offs (725 ) (710 ) (302 ) (27 ) (90 ) (46 ) 0 (1,900 ) Commercial loans Risk rating: Pass 411,703 424,100 303,445 146,909 113,411 241,655 202,377 1,843,600 Watch 15,576 9,730 14,182 8,491 6,259 14,645 6,355 75,238 OAEM 2,404 3,997 0 7,255 0 3,503 30 17,189 Substandard 8,201 6,033 7,451 6,196 2,496 15,952 613 46,942 Doubtful 0 0 0 0 0 766 0 766 Total commercial loans $ 437,884 $ 443,860 $ 325,078 $ 168,851 $ 122,166 $ 276,521 $ 209,375 $ 1,983,735 Total commercial loans current period gross charge-offs $ (725 ) $ (710 ) $ (337 ) $ (27 ) $ (90 ) $ (333 ) $ 0 $ (2,222 ) The following tables present the credit risk profile of CTBI’s residential real estate and consumer loan portfolios based on performing or nonperforming status, segregated by loan segment: Term Loans Amortized Cost Basis by Origination Year (in thousands) December 31 2024 2023 2022 2021 2020 Prior Revolving Loans Total Home equity lines Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 7,121 $ 159,656 $ 166,777 Nonperforming 0 0 0 0 0 362 286 648 Total home equity lines 0 0 0 0 0 7,483 159,942 167,425 Total home equity lines current period gross charge-offs 0 0 0 0 0 (80 ) 0 (80 ) Mortgage loans Performing 197,756 192,959 140,265 146,391 107,009 250,201 0 1,034,581 Nonperforming 0 1,074 1,424 250 279 5,793 0 8,820 Total mortgage loans 197,756 194,033 141,689 146,641 107,288 255,994 0 1,043,401 Total mortgage loans current period gross charge-offs 0 0 (28 ) 0 0 (97 ) 0 (125 ) Residential loans Performing 197,756 192,959 140,265 146,391 107,009 257,322 159,656 1,201,358 Nonperforming 0 1,074 1,424 250 279 6,155 286 9,468 Total residential loans $ 197,756 $ 194,033 $ 141,689 $ 146,641 $ 107,288 $ 263,477 $ 159,942 $ 1,210,826 Total residential loans current period gross charge-offs $ 0 $ 0 $ 0 $ (28 ) $ 0 $ (177 ) $ 0 $ (205 ) Consumer direct loans Performing $ 54,745 $ 35,179 $ 21,456 $ 17,509 $ 9,839 $ 13,846 $ 0 $ 152,574 Nonperforming 7 72 190 0 0 0 0 269 Total consumer direct loans 54,752 35,251 21,646 17,509 9,839 13,846 0 152,843 Total consumer direct loans current period gross charge-offs (41 ) (314 ) (690 ) (85 ) (29 ) (61 ) 0 (1,220 ) Consumer indirect loans Performing 333,945 243,247 162,051 65,032 34,870 10,382 0 849,527 Nonperforming 117 324 218 63 40 0 0 762 Total consumer indirect loans 334,062 243,571 162,269 65,095 34,910 10,382 0 850,289 Total consumer indirect loans current period gross charge-offs (363 ) (2,760 ) (2,609 ) (1,385 ) (236 ) (249 ) 0 (7,602 ) Consumer loans Performing 388,690 278,426 183,507 82,541 44,709 24,228 0 1,002,101 Nonperforming 124 396 408 63 40 0 0 1,031 Total consumer loans $ 388,814 $ 278,822 $ 183,915 $ 82,604 $ 44,749 $ 24,228 $ 0 $ 1,003,132 Total consumer loans current period gross charge-offs $ (404 ) $ (3,074 ) $ (3,299 ) $ (1,470 ) $ (265 ) $ (310 ) $ 0 $ (8,822 ) Term Loans Amortized Cost Basis by Origination Year (in thousands) December 31 2023 2022 2021 2020 2019 Prior Revolving Loans Total Home equity lines Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 7,630 $ 138,663 $ 146,293 Nonperforming 0 0 0 0 0 442 301 743 Total home equity lines 0 0 0 0 0 8,072 138,964 147,036 Total home equity lines current period gross charge-offs 0 0 0 0 0 (23 ) 0 (23 ) Mortgage loans Performing 200,442 162,407 159,857 119,772 56,601 231,147 0 930,226 Nonperforming 0 200 151 192 533 6,222 0 7,298 Total mortgage loans 200,442 162,607 160,008 119,964 57,134 237,369 0 937,524 Total mortgage loans current period gross charge-offs 0 0 (47 ) 0 (40 ) (53 ) 0 (140 ) Residential loans Performing 200,442 162,407 159,857 119,772 56,601 238,777 138,663 1,076,519 Nonperforming 0 200 151 192 533 6,664 301 8,041 Total residential loans $ 200,442 $ 162,607 $ 160,008 $ 119,964 $ 57,134 $ 245,441 $ 138,964 $ 1,08

Mortgage Banking and Servicing

Mortgage Banking and Servicing Rights	12 Months Ended
	Dec. 31, 2024
Mortgage Banking and Servicing Rights [Abstract]
Mortgage Banking and Servicing Rights	5. Mortgage Banking and Servicing Rights Mortgage banking activities primarily include residential mortgage originations and servicing. As discussed in note 1 above, MSRs are carried at fair market value. The following table presents the components of mortgage banking income: (in thousands) Year Ended December 31 2024 2023 2022 Net gain on sale of mortgage loans held for sale $ 294 $ 395 $ 1,525 Net loan servicing income: Servicing fees 1,946 2,080 2,226 Late fees 60 81 78 Ancillary fees 43 36 94 Fair value adjustments (431 ) (965 ) 1,069 Net loan servicing income 1,618 1,232 3,467 Mortgage banking income $ 1,912 $ 1,627 $ 4,992 Mortgage loans serviced for others are not included in the accompanying balance sheets. Loans serviced for the benefit of others (primarily FHLMC) totaled $667 million, $725 million, and $783 million at December 31, 2024, 2023, and 2022, respectively. Servicing loans for others generally consist of collecting mortgage payments, maintaining escrow accounts, disbursing payments to investors, and processing foreclosures. Custodial escrow balances maintained in connection with the foregoing loan servicing, and included in demand deposits, were approximately $2.2 million, $ million, and $ million Activity for capitalized MSRs using the fair value method is as follows: (in thousands) 2024 2023 2022 Fair value of MSRs, beginning of year $ 7,665 $ 8,468 $ 6,774 New servicing assets created 123 162 625 Change in fair value during the year due to: Time decay (1) (428 ) (430 ) (450 ) Payoffs (2) (315 ) (347 ) (429 ) Changes in valuation inputs or assumptions (3) 312 (188 ) 1,948 Fair value of MSRs, end of year $ 7,357 $ 7,665 $ 8,468 (1) Represents decrease in value due to regularly scheduled loan principal payments and partial loan paydowns. (2) Represents decrease in value due to loans that paid off during the period. (3) Represents change in value resulting from market-driven changes in interest rates. The fair values of capitalized MSRs were $7.4 million, $7.7 million, and $8.5 million at December 31, 2024, 2023, and 2022, respectively. Fair values for the years ended December 31, 2024, 2023, and 2022 were determined by third-party valuations with a resulting 10.1% average discount rate in 2024 compared to the 10.0% average discount rate in 2023 and 2022 and weighted average default rates of 1.66%, 0.95%, and 1.24%, respectively. Prepayment speeds generated using the Andrew Davidson Prepayment Model averaged 6.6%, 7.5%, and 7.1% at December 31, 2024, 2023, and 2022, respectively. MSR values are very sensitive to movement in interest rates as expected future net servicing income depends on the projected balance of the underlying loans, which can be greatly impacted by the level of prepayments. CTBI does not currently hedge against changes in the fair value of our MSR portfolio.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2024
Related Party Transactions [Abstract]
Related Party Transactions	6. Related Party Transactions In the ordinary course of business, CTB has made extensions of credit and had transactions with certain directors and executive officers of CTBI or our subsidiaries, including their associates (as defined by the Securities and Exchange Commissions). We believe such extensions of credit and transactions were made on substantially the same terms, including interest rate and collateral, as those prevailing at the same time for comparable transactions with other persons. Activity for related party extensions of credit during 2024 and 2023 is as follows: (in thousands) 2024 2023 Related party extensions of credit, beginning of year $ 35,315 $ 42,067 New loans and advances on lines of credit 0 980 Repayments (1,022 ) (7,502 ) Decrease due to changes in related parties (5,136 ) (230 ) Related party extensions of credit, end of year $ 29,157 $ 35,315 The aggregate balances of related party deposits at December 31, 2024 and 2023 were $29.5 million and $28.3 million, respectively. A director of CTBI is a shareholder in a law firm that provided services to CTBI and our subsidiaries during the years 2024, 2023, and 2022. Approximately $0.5 million in legal fees and $0.1 million in expenses paid on behalf of CTBI, $0.6 million total, were paid to this law firm during 2024. Approximately $0.4 million in legal fees and $0.1 million in expenses paid on behalf of CTBI, $0.5 million total, were paid to this law firm during 2023. Approximately $0.4 million in legal fees and $0.1 million in expenses paid on behalf of CTBI, $0.5 million total, were paid to this law firm during 2022.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2024
Premises and Equipment [Abstract]
Premises and Equipment	7. Premises and Equipment Premises and equipment are summarized as follows: (in thousands) December 31 2024 2023 Land and buildings $ 88,859 $ 82,929 Leasehold improvements 5,068 4,858 Furniture, fixtures, and equipment 41,413 39,695 Construction in progress 2,392 2,790 Total premises and equipment 137,732 130,272 Less accumulated depreciation and amortization (88,102 ) (84,961 ) Premises and equipment, net $ 49,630 $ 45,311 Depreciation and amortization of premises and equipment for 2024, 2023, and 2022 was $3.7 million, $3.6 million, and $3.3 million, respectively.

Other Real Estate Owned

Other Real Estate Owned	12 Months Ended
	Dec. 31, 2024
Other Real Estate Owned [Abstract]
Other Real Estate Owned	8. Other Real Estate Owned Activity for OREO was as follows: (in thousands) 2024 2023 Beginning balance of other real estate owned $ 1,616 $ 3,671 New assets acquired 3,160 658 Capitalized costs 13 47 Fair value adjustments (105 ) (211 ) Sale of assets (1,037 ) (2,549 ) Ending balance of other real estate owned $ 3,647 $ 1,616 Carrying costs and fair value adjustments associated with foreclosed properties were $0.2 million, $0.3 million, and $0.5 million for 2024, 2023, and 2022, respectively. See note 1 for a description of our accounting policies relative to foreclosed properties and OREO. The major classifications of foreclosed properties are shown in the following table: (in thousands) December 31 2024 2023 1-4 family $ 806 $ 827 Construction/land development/other 395 383 Multifamily 0 0 Non-farm/non-residential 2,446 406 Total foreclosed properties $ 3,647 $ 1,616

Deposits

Deposits	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
Deposits	9. Deposits Major classifications of deposits are categorized as follows: (in thousands) December 31 2024 2023 Noninterest bearing deposits $ 1,242,676 $ 1,260,690 Interest bearing demand deposits 167,736 123,927 Money market deposits 1,781,415 1,525,537 Savings 511,378 535,063 Certificates of deposit and other time deposits of $100,000 or more 862,671 766,691 Certificates of deposit and other time deposits less than $100,000 504,313 512,714 Total deposits $ 5,070,189 $ 4,724,622 Certificates of deposit and other time deposits of $250,000 or more at December 31, and were $ million and $ million, respectively. Maturities of certificates of deposits and other time deposits are presented below: Maturities by Period at December 31, 2024 (in thousands) Total Within 1 Year 2 Years 3 Years 4 Years 5 Years After 5 Years Certificates of deposit and other time deposits of $100,000 or more $ 862,671 $ 811,154 $ 26,051 $ 5,824 $ 12,319 $ 7,323 $ 0 Certificates of deposit and other time deposits less than $100,000 504,313 459,960 21,069 10,041 5,871 7,059 313 Total maturities $ 1,366,984 $ 1,271,114 $ 47,120 $ 15,865 $ 18,190 $ 14,382 $ 313

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2024
Borrowings [Abstract]
Borrowings	10. Borrowings Short-term debt is categorized as follows: (in thousands) December 31 2024 2023 Repurchase agreements $ 240,166 $ 225,245 Federal funds purchased 500 500 Total short-term debt $ 240,666 $ 225,745 All federal funds purchased mature and reprice daily. See note 11 for information regarding the maturities of our repurchase agreements. The average rates paid for federal funds purchased and repurchase agreements on December 31, 2024 were 4.30% and 4.05%, respectively. The maximum balance for repurchase agreements at any month-end during 2024 occurred at December 31, 2024, with a month-end balance of $240.2 million. The average balance of repurchase agreements for the year was $228.6 million. Long-term debt is categorized as follows: (in thousands) December 31 2024 2023 Junior subordinated debentures, 6.35 6/1/37 $ 57,841 $ 57,841 Loan related borrowings, 3.25 9/17/44 6,175 6,400 Total long-term debt $ 64,016 $ 64,241 On March 30, 2007, CTBI issued $61.3 million in junior subordinated debentures to a newly formed unconsolidated Delaware statutory trust subsidiary which in turn issued $59.5 million of capital securities in a private placement to institutional investors. The debentures, which mature in 30 years but are redeemable at par at CTBI’s option after five years, were issued at a rate of 6.52% until June 1, 2012, and thereafter at a floating rate based on the three-month LIBOR plus 1.59%. The underlying capital securities were issued at the equivalent rates and terms. The proceeds of the debentures were used to fund the redemption on April 2, 2007 of all CTBI’s outstanding 9.0% and 8.25% junior subordinated debentures in the total amount of $61.3 million. In May 2017, CTBI was able to purchase $2.0 million of the junior subordinated debentures in the open market at a purchase price of $1.4 million, resulting in a gain of $0.6 million. In August 2019, an additional $ million was purchased in the open market at a price of $ million, resulting in a gain of $ million. On March 15, 2022, the President of the United States of America signed into law the LIBOR Act. Under the LIBOR Act, on the first London banking day after the LIBOR Replacement Date, a benchmark replacement recommended by the Board of Governors of the Federal Reserve System (the “Board”) will replace LIBOR in certain contracts. These contracts are those which, after giving effect to other parts of the LIBOR Act, (i) contain no fallback provisions (including contracts which contain no fallback provisions after giving effect to certain parts of the LIBOR Act) or (ii) contain fallback provisions that identify neither a specific non-LIBOR based benchmark replacement nor a person with the authority, right or obligation to determine a benchmark replacement. Other parts of the LIBOR Act require that fallback provisions which (i) are based in any way on any LIBOR value, except to account for the difference between LIBOR and the benchmark replacement or (ii) require that a person (other than a benchmark administrator) conduct a poll, survey or inquiries for quotes or information concerning interbank lending or deposit rates be disregarded and deemed null and void. The Board-recommended benchmark replacement is based on the Secured Overnight Financing Rate (“SOFR”) published by the Federal Reserve Bank of New York, including any recommended spread adjustment and benchmark replacement conforming changes. In addition, the LIBOR Act creates a safe harbor protecting from liability any person (including any person with the authority to determine a benchmark replacement under the junior subordinated debentures and the TRUPS Documents) for the selection or use of the Board-recommended benchmark replacement or the implementation of certain technical, administrative or operational changes relating to the implementation, administration, and calculation of the Board-recommended benchmark replacement. Under the LIBOR Act, the Board was required to promulgate regulations implementing the LIBOR Act. On December 16, 2022, the Board issued its Final Regulations implementing the LIBOR Act. The Final Regulations: (i) address the applicability of the LIBOR Act to various LIBOR contracts, (ii) identify the Board-selected benchmark replacements for various types of LIBOR contracts, (iii) include certain benchmark replacement conforming changes, (iv) address the issue of preemption and (v) provide other clarifications, definitions and information. As discussed in note 1 above, CTBI received notice from the trustee of the trust subsidiary that the TRUPS Documents issued by the trust subsidiary do not provide a Replacement Rate or include other fallback provisions which would apply on the LIBOR Replacement Date. Therefore, the 3-month CME Term SOFR SOFR On November 27, 2024, the coupon rate was set at 6.35098% for the March 3, 2025 distribution date, which was based on the 3-month CME Term SOFR CTB sold the guaranteed portion of a loan in a transaction that did not meet the accounting requirements to qualify for recognition as a sold loan. The gross amount of the loan is recognized in the loan portfolio as an earning asset and the sold portion is recognized as a loan related borrowing. Repayment of the liability will be provided by the loan payments made by the loan customer. The principal amount is also guaranteed by the USDA.

Repurchase Agreements

Repurchase Agreements	12 Months Ended
	Dec. 31, 2024
Repurchase Agreements [Abstract]
Repurchase Agreements	11. Repurchase Agreements We utilize securities sold under agreements to repurchase to facilitate the needs of our customers and provide additional funding to our balance sheet. Repurchase agreements are transactions whereby we offer to sell to a counterparty an undivided interest in an eligible security at an agreed upon purchase price, and which obligates CTBI to repurchase the security on an agreed upon date at an agreed upon repurchase price plus interest at an agreed upon rate. Securities sold under agreements to repurchase are recorded at the amount of cash received in connection with the transaction and are reflected in the accompanying consolidated balance sheets. We monitor collateral levels on a continuous basis and maintain records of each transaction specifically describing the applicable security and the counterparty’s fractional interest in that security, and we segregate the security from its general assets in accordance with regulations governing custodial holdings of securities. The primary risk with our repurchase agreements is market risk associated with the securities securing the transactions, as we may be required to provide additional collateral based on fair value changes of the underlying securities. Securities pledged as collateral under repurchase agreements are maintained with our safekeeping agents. The carrying value of investment securities available-for-sale pledged as collateral under repurchase agreements totaled $292.2 million and $296.6 million at December 31, 2024 and December 31, 2023, respectively. The remaining contractual maturity of the securities sold under agreements to repurchase by class of collateral pledged included in the accompanying consolidated balance sheets as of December 31, 2024 and December 31, 2023 is presented in the following tables: December 31, 2024 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Continuous Up to 30 days 30-90 days Greater Than 90 days Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 23,240 $ 11 $ 7,657 $ 25,482 $ 56,390 State and political subdivisions 108,775 489 7,288 3,700 120,252 U.S. government sponsored agency mortgage-backed securities 17,756 0 34,355 7,091 59,202 Asset-backed securities 4,322 0 0 0 4,322 Total $ 154,093 $ 500 $ 49,300 $ 36,273 $ 240,166 December 31, 2023 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Continuous Up to 30 days 30-90 days Greater Than 90 days Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 21,156 $ 19 $ 1,817 $ 23,640 $ 46,632 State and political subdivisions 98,053 481 5,962 3,219 107,715 U.S. government sponsored agency mortgage-backed securities 17,538 0 41,521 9,269 68,328 Asset-backed securities 2,570 0 0 0 2,570 Total $ 139,317 $ 500 $ 49,300 $ 36,128 $ 225,245

Advances from Federal Home Loan

Advances from Federal Home Loan Bank	12 Months Ended
	Dec. 31, 2024
Advances from Federal Home Loan Bank [Abstract]
Advances from Federal Home Loan Bank	12. Advances from Federal Home Loan Bank FHLB advances consisted of the following monthly amortizing borrowings at December 31: (in thousands) 2024 2023 Monthly amortizing $ 314 $ 334 Total FHLB advances $ 314 $ 334 The advances from the FHLB that require monthly principal payments were due for repayment as follows: Principal Payments Due by Period at December 31, 2024 (in thousands) Total Within 1 Year 2 Years 3 Years 4 Years 5 Years After 5 Years Outstanding advances, weighted average interest rate – 0.04 $ 314 $ 22 $ 20 $ 21 $ 20 $ 20 $ 211 At December 31, 2024, CTBI had monthly amortizing FHLB advances totaling $0.3 million at a weighted average interest rate of 0.04%. Advances totaling $0.3 million at December 31, 2024 were collateralized by FHLB stock of $5.1 million and a blanket lien on qualifying 1-4 family first mortgage loans. As of December 31, 2024, CTBI had a $589.0 million FHLB borrowing capacity with $0.3 million in advances and $103.7 million in letters of credit used for public fund pledging leaving $485.0 million available for additional advances. The advances had fixed interest rates of 0.00% and 2.00% with a weighted average rate of 0.04%. The advances are subject to restrictions or penalties in the event of prepayment.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2024
Income Taxes [Abstract]
Income Taxes	13. Income Taxes The components of the provision for income taxes, exclusive of tax effect of unrealized AFS securities gains and losses, are as follows: (in thousands) 2024 2023 2022 Current federal income tax expense $ 19,746 $ 14,954 $ 14,882 Current state income tax expense 5,859 4,901 1,096 Deferred federal income tax expense (benefit) (1,452 ) 382 194 Deferred state income tax expense (benefit) (280 ) 327 3,056 Total income tax expense $ 23,873 $ 20,564 $ 19,228 A reconciliation of income tax expense at the statutory rate to our actual income tax expense is shown below: (in thousands) 2024 2023 2022 Computed at the statutory rate $ 22,404 21.00 % $ 20,699 21.00 % $ 21,219 21.00 % Adjustments resulting from: Tax-exempt interest (353 ) (0.33 ) (637 ) (0.65 ) (717 ) (0.70 ) Housing and new markets credits (1,292 ) (1.21 ) (3,205 ) (3.25 ) (3,105 ) (3.07 ) Bank owned life insurance (831 ) (0.78 ) (496 ) (0.50 ) (367 ) (0.36 ) ESOP dividend deduction (276 ) (0.26 ) (259 ) (0.26 ) (240 ) (0.24 ) Stock option exercises and restricted stock vesting (73 ) (0.07 ) (8 ) (0.01 ) (1 ) 0.00 State income taxes 4,407 4.13 4,131 4.19 3,281 3.25 Split dollar life insurance 58 0.06 126 0.13 (184 ) (0.19 ) Other (171 ) (0.16 ) 213 0.21 (658 ) (0.66 ) Total $ 23,873 22.38 % $ 20,564 20.86 % $ 19,228 19.03 % The components of the net deferred tax asset as of December 31 are as follows: (in thousands) 2024 2023 Deferred tax assets: Allowance for credit losses $ 13,715 $ 12,361 Interest on nonaccrual loans 451 277 Accrued expenses 2,150 1,633 Unrealized losses on AFS securities 32,665 34,311 Allowance for other real estate owned 22 49 Lease liabilities 3,790 4,090 Limited partnership investments 78 Other 937 790 Total deferred tax assets 53,808 53,511 Deferred tax liabilities: Depreciation and amortization (15,207 ) (14,927 ) FHLB stock dividends (12 ) (341 ) Loan fee income (1,888 ) (1,519 ) Mortgage servicing rights (1,836 ) (1,912 ) Limited partnership investments 0 (843 ) Right of use assets (3,589 ) (3,918 ) Other (2,211 ) (1,910 ) Total deferred tax liabilities (24,743 ) (25,370 ) Net deferred tax asset $ 29,065 $ 28,141 CTBI accounts for income taxes in accordance with income tax accounting guidance (ASC 740, Income Taxes CTBI adopted ASU No. 2023-02, Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method, As a result of the implementation of this ASU, we recorded a cumulative effect impact that reduced retained earnings by $2.0 million during the first quarter 2024. Additionally, we had a decrease in amortization expense, recognized in other direct expenses income tax expense income tax expense other assets Of the amount outstanding, the contribution schedule is as follows: (in thousands) Amount due in: Unfunded Commitments 2025 $ 2,682 2026 995 2027 146 2028 146 2029 143 After 365 Uncertain tax positions are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. With a few exceptions, CTBI is no longer subject to U.S. federal tax examinations by tax authorities for years before 2021, and state and local income tax examinations by tax authorities for years before 2020. For federal tax purposes, CTBI recognizes interest and penalties on income taxes as a component of income tax expense. CTBI files consolidated income tax returns with our subsidiaries.

Employee Benefits

Employee Benefits	12 Months Ended
	Dec. 31, 2024
Employee Benefits [Abstract]
Employee Benefits	14. Employee Benefits CTBI maintains two separate retirement savings plans, a 401(k) Plan and an Employee Stock Ownership Plan (“ESOP”). The 401(k) Plan is available for participant contributions to all employees (age 21 and over) who are credited with 90 days of service and for employer matching as described below at one year of service (12 consecutive month period with at least 1,000 hours). The company match will continue to begin with one year of credited service. The ESOP is available to all employees (age 21 and over) who are credited with one year of service (12 consecutive month period with at least 1,000 hours). CTBI currently contributes 4% of covered employees’ compensation to the ESOP. The ESOP uses the contributions to acquire shares of CTBI’s common stock. CTBI’s contributions to the ESOP were $2.0 million, $1.8 million, and $1.7 million for the three years ended December 31, 2024, 2023, and 2022, respectively. The ESOP owned 760,396, 772,351, and 734,677 shares of CTBI’s common stock at December 31, 2024, 2023, and 2022, respectively. Substantially all shares owned by the ESOP were allocated to employee accounts on those dates. The market price of the shares at the date of allocation is essentially the same as the market price at the date of purchase. Stock-Based Compensation: As of December 31, 2024, CTBI maintained one active and one inactive incentive stock ownership plan covering key employees. The 2025 Employee Stock Ownership Incentive Plan (“2025 Plan”) was approved by the Board of Directors and the Shareholders in 2024 and became active on February 1, 2025. The 2015 Stock Ownership Incentive Plan (“2015 Plan”) was approved by the Board of Directors and the Shareholders in 2015. The 2015 plan was rendered inactive as of February 1, 2025. The 2006 Stock Ownership Incentive Plan (“2006 Plan”) was approved by the Board of Directors and the Shareholders in 2006. The 2006 Plan was rendered inactive as of April 28, 2015, and all outstanding options had been exercised under the 2006 Plan as of December 31, 2024. The 2025 Plan was not active as of December 31, 2024. The 2015 Plan had 550,000 shares authorized, 335,583 of which were available at December 31, 2024. Shares issuable pursuant to awards which were granted under the 2015 Plan on or before their respective expiration or termination dates will be issued from the remaining shares reserved for issuance under the 2015 Plan. The shares of common stock reserved for issuance under the 2015 Plan in excess of the number of shares as to which options or other benefits are awarded thereunder, and any shares as to which options or other benefits granted under the 2015 Plan may lapse, expire, terminate, or be canceled, will not be reserved and available for issuance or reissuance under the 2025 Plan. The following table provides detail of the number of shares to be issued upon exercise of outstanding stock-based awards and remaining shares available for future issuance under all of CTBI’s equity compensation plans as of December 31, 2024: Plan Category (shares in thousands) Number of Shares to Be Issued Upon Exercise Weighted Average Price Shares Available for Future Issuance Equity compensation plans approved by shareholders: Stock options 0 0 336 (a) Restricted stock (c) (b) (a) Performance units (d) (b) (a) Stock appreciation rights (“SARs”) (e) (b) (a) Total 336 (a) Under the 2025 Plan, which became effective February 1, 2025,550,000 shares are authorized for issuance; no shares have been issued as of December 31, 2024. The maximum number of stock options that may be granted to a participant during any calendar year is 100,000 shares. Under the 2015 Plan, 550,000 shares were authorized for issuance; 221,949 had been issued as of December 31, 2024. In January of 2016, 18,069 restricted stock shares were issued under the terms of the 2015 Plan pursuant to awards granted under the 2006 Plan. The 2015 Plan was rendered inactive on February 1, 2025. (b) Not applicable. (c) The maximum number of shares of restricted stock that may be granted is 550,000 shares, and the maximum that may be granted to a participant during any calendar year is 75,000 shares. (d) No performance units payable in stock had been issued as of December 31, 2024. The maximum payment that can be made pursuant to performance units granted to any one participant in any calendar year is $1,000,000. (e) No SARS have been issued. The maximum number of shares with respect to which SARs may be granted to a participant during any calendar year is 100,000 shares. The 2025 Plan became effective on February 1, 2025; therefore, no activity is reportable as of December 31, 2024. The following table details the shares available for future issuance under the 2015 Plan at December 31, 2024. Plan Category Shares Available for Future Issuance Shares available at January 1, 2024 348,146 Stock option grants 0 Restricted stock grants (15,000 ) Forfeitures 2,437 Shares available for future issuance at December 31, 335,583 There were no stock options granted in 2024, 2023, or 2022. The 2015 Plan: There was no stock option activity for the 2015 Plan for the years ended December 31, 2024, 2023, and 2022. The following table shows restricted stock activity for the 2015 Plan for the years ended December 31, 2024, 2023, and 2022: December 31 2024 2023 2022 Grants Weighted Average Fair Value at Grant Grants Weighted Average Fair Value at Grant Grants Weighted Average Fair Value at Grant Outstanding at beginning of year 96,840 $ 43.75 68,137 $ 44.13 47,063 $ 42.90 Granted 15,000 41.29 52,865 43.10 50,438 45.15 Vested (22,831 ) 43.37 (23,372 ) 43.32 (29,364 ) 43.92 Forfeited (2,437 ) 42.87 (790 ) 44.87 0 - Outstanding at end of year 86,572 $ 43.45 96,840 $ 43.75 68,137 $ 44.13 The 2006 Plan: CTBI’s stock option activity for the 2006 Plan for the years ended December 31, 2024, 2023, and 2022 is summarized as follows: December 31 2024 2023 2022 Options Weighted Average Exercise Price Options Weighted Average Exercise Price Options Weighted Average Exercise Price Outstanding at beginning of year 20,000 $ 32.27 20,000 $ 32.27 20,000 $ 32.27 Exercised 20,000 32.27 0 0 0 0 Outstanding at end of year 0 $ 0.00 20,000 $ 32.27 20,000 $ 32.27 Exercisable at end of year 0 $ 0.00 20,000 $ 32.27 20,000 $ 32.27 There were no outstanding options at December 31, 2024. There were no options granted from the 2006 Plan during the years 2024, 2023, and 2022. The following table shows the intrinsic values of options exercised, exercisable, and outstanding for the 2006 Plan for the years ended December 31, 2024, 2023, and 2022: (in thousands) 2024 2023 2022 Options exercised $ 335 $ 0 $ 0 Options exercisable 0 232 273 Outstanding options 0 232 273 There was no restricted stock activity for the 2006 Plan for the years ended December 31, 2024, 2023, and 2022. The following table shows the unrecognized compensation cost related to nonvested share-based compensation arrangements granted under the plans at December 31, 2024, 2023, and 2022 and the total grant-date fair value of shares vested, cash received from option exercises under all share-based payment arrangements, and the actual tax benefit realized for the tax deductions from option exercises of the share-based payment arrangements for the years ended December 31, 2024, 2023, and 2022. (in thousands) 2024 2023 2022 Unrecognized compensation cost of nonvested share-based compensation arrangements granted under the plan at year-end $ 2,277 $ 2,954 $ 2,108 Total fair value of shares vested for the year 954 974 1,306 Cash received from option exercises under all share-based payment arrangements for the year 645 0 0 Tax benefit realized for the tax deductions from option exercises of the share-based payment arrangements for the year 84 0 0 The unrecognized compensation cost related to nonvested share-based compensation arrangements granted under the plans at December 31, 2024 is expected to be recognized over a weighted-average period of 2.4 years.

Leases

Leases	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Leases	15. Leases CTBI has one finance lease for property but no material sublease or leasing arrangements for which it is the lessor of property or equipment. CTBI has operating leases for banking and ATM locations. These leases have original remaining lease terms of 1 year to 45 years, some of which include options to renew the leases for up to 5 years. These options, some of which include variable costs related to rent escalations based on recent financial indices, such as the Consumer Price Index, where CTBI estimates future rent increases, are included in the calculation of the lease liability and right-of-use asset when management determines it is reasonably certain the option will be exercised. CTBI determines this on each lease by considering all relevant contract-based, asset-based, market-based, and entity-based economic factors. Right-of-use assets and lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents our incremental borrowing rate, on a collateralized basis, over a similar term, at the lease commencement date. Right-of-use assets are further adjusted for prepaid rent, lease incentives, and initial direct costs, if any. The components of lease expense for the years ended December 31, 2024 and 2023 were as follows: (in thousands) Year Ended December 31, 2024 Year Ended December 31, 2023 Finance lease cost: Amortization of right-of-use assets – finance leases $ 124 $ 166 Interest on lease liabilities – finance leases 158 118 Total finance lease cost 282 284 Short-term lease cost 98 92 Operating lease cost 1,880 1,888 Total lease cost 2,260 2,264 Sublease income (282 ) (273 ) Net lease cost $ 1,978 $ 1,991 Supplemental cash flow information related to CTBI’s operating and finance leases for the years ended December 31, 2024 and 2023 was as follows: (in thousands) Year Ended December 31, 2024 Year Ended December 31, 2023 Finance lease – operating cash flows $ 130 $ 128 Finance lease – financing cash flows $ 0 $ 33 Operating lease – operating cash flows (fixed payments) $ 1,893 $ 1,889 Operating lease – operating cash flows (liability reduction) $ 1,495 $ 1,455 New right-of-use assets – operating leases $ 0 $ 358 New right-of-use assets – finance leases $ 0 $ 0 Weighted average lease term – financing leases 25.16 years 26.12 years Weighted average lease term – operating leases 13.13 years 13.20 years Weighted average discount rate – financing leases 4.91 % 4.90 % Weighted average discount rate – operating leases 3.57 % 3.56 % Maturities of lease liabilities as of December 31, 2024 are as follows: (in thousands) Operating Leases Finance Leases 2025 $ 1,790 $ 157 2026 1,782 167 2027 1,672 174 2028 1,314 179 2029 826 183 Thereafter 7,535 5,887 Total lease payments 14,919 6,747 Less imputed interest (3,168 ) (3,308 ) Total $ 11,751 $ 3,439 Maturities of lease liabilities as of December 31, 2023 are as follows: (in thousands) Operating Leases Finance Leases 2024 $ 1,877 $ 154 2025 1,782 159 2026 1,774 170 2027 1,656 174 2028 1,257 179 Thereafter 8,137 6,070 Total lease payments 16,483 6,906 Less imputed interest (3,525 ) (3,471 ) Total $ 12,958 $ 3,435

Fair Value of Financial Assets

Fair Value of Financial Assets and Liabilities	12 Months Ended
	Dec. 31, 2024
Fair Value of Financial Assets and Liabilities [Abstract]
Fair Value of Financial Assets and Liabilities	16. Fair Value of Financial Assets and Liabilities Fair Value Measurements ASC 820, Fair Value Measurements Level 1 Inputs – Quoted prices in active markets for identical assets or liabilities. Level 2 Inputs – Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets and liabilities in active markets, and inputs other than quoted prices that are observable for the asset or liability, such as interest rates and yield curves that are observable at commonly quoted intervals. Level 3 Inputs – Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in determining an exit price for the assets or liabilities. Recurring Measurements The following tables present the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a recurring basis as of December 31, 2024 and December 31, 2023 and indicate the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at December 31, 2024 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – recurring basis Available-for-sale securities: U.S. Treasury and government agencies $ 341,495 $ 328,569 $ 12,926 $ 0 State and political subdivisions 253,557 0 253,557 0 U.S. government sponsored agenc y mortgage-backed securities 409,709 0 409,709 0 Asset-backed securities 50,967 0 50,967 0 Equity securities at fair value 3,781 0 0 3,781 Mortgage servicing rights 7,357 0 0 7,357 Fair Value Measurements at December 31, 2023 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – recurring basis Available-for-sale securities: U.S. Treasury and government agencies $ 354,817 $ 336,285 $ 18,532 $ 0 State and political subdivisions 264,945 0 264,945 0 U.S. government sponsored agenc y mortgage-backed securities 456,736 0 456,736 0 Asset-backed securities 87,226 0 87,226 0 Equity securities at fair value 3,158 0 0 3,158 Mortgage servicing rights 7,665 0 0 7,665 Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. These valuation methodologies were applied to all of CTBI’s financial assets carried at fair value. CTBI had no liabilities measured and recorded at fair value as of December 31, 2024 and December 31, 2023. There have been no significant changes in the valuation techniques during the year ended December 31, 2024. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Available-for-Sale Securities Securities classified as AFS are reported at fair value on a recurring basis. U.S. Treasury and government agencies are classified as Level 1 of the valuation hierarchy where quoted market prices are available in the active market on which the individual securities are traded. If quoted market prices are not available, CTBI obtains fair value measurements from an independent pricing service, such as Interactive Data, which utilizes pricing models to determine fair value measurement. CTBI reviews the pricing quarterly to verify the reasonableness of the pricing. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information, and the bond’s terms and conditions, among other factors. U.S. Treasury and government agencies, state and political subdivisions, U.S. government sponsored agency mortgage-backed securities, and asset-backed securities are classified as Level 2 inputs. In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy. Fair value determinations for Level 3 measurements are estimated on a quarterly basis where assumptions used are reviewed to ensure the estimated fair value complies with accounting standards generally accepted in the United States. Equity Securities at Fair Value As of December 31, 2024 and December 31, 2023, the only securities owned by CTBI that were valued using Level 3 criteria are Visa Class B Stock (included in equity securities at fair value). Fair value for Visa Class B Stock is determined by an independent third party utilizing assumptions about factors such as quarterly common stock dividend payments, the conversion of the securities to the relevant Class A Stock shares subject to the prevailing conversion rate and conversion date. We have concluded the third party assumptions, processes, and conclusions to be reasonable and appropriate in determining the fair value of this asset. See the tables below for inputs and valuation techniques used for Level 3 equity securities. Mortgage Servicing Rights MSRs do not trade in an active, open market with readily observable prices. CTBI reports MSRs at fair value on a recurring basis with subsequent remeasurement of MSRs based on change in fair value. In determining fair value, CTBI utilizes the expertise of an independent third party. Accordingly, fair value is determined by the independent third party by utilizing assumptions about factors such as mortgage interest rates, discount rates, mortgage loan prepayment speeds, market trends, and industry demand. Due to the nature of the valuation inputs, MSRs are classified within Level 3 of the hierarchy. Fair value determinations for Level 3 measurements of MSRs are tested for impairment on a quarterly basis where assumptions used are reviewed to ensure the estimated fair value complies with GAAP. We have reviewed the assumptions, processes, and conclusions of the third party provider. We have determined these assumptions, processes, and conclusions to be reasonable and appropriate in determining the fair value of this asset. See the table below for inputs and valuation techniques used for Level 3 MSRs. Level 3 Reconciliation Following is a reconciliation of the beginning and ending balances of recurring fair value measurements, for the periods indicated, using significant unobservable (Level 3) inputs: 2024 2023 (in thousands) Equity Securities at Fair Value Mortgage Servicing Rights Equity Securities at Fair Value Mortgage Servicing Rights Beginning balance $ 3,158 $ 7,665 $ 2,166 $ 8,468 Total unrealized gains (losses) Included in net income 623 312 992 (188 ) Issues 0 123 0 162 Settlements 0 (743 ) 0 (777 ) Ending balance $ 3,781 $ 7,357 $ 3,158 $ 7,665 Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date $ 623 $ 312 $ 992 $ (188 ) Realized and unrealized gains and losses for items reflected in the table above are included in net income in the consolidated statements of income as follows: Noninterest Income (in thousands) 2024 2023 Total gains $ 192 $ 27 Nonrecurring Measurements The following tables present the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a nonrecurring basis as of December 31, 2024 and December 31, 2023 and indicate the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at December 31, 2024 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – nonrecurring basis Collateral dependent loans $ 8,310 $ 0 $ 0 $ 8,310 Other real estate owned 731 0 0 731 Fair Value Measurements at December 31, 2023 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – nonrecurring basis Collateral dependent loans $ 8,397 $ 0 $ 0 $ 8,397 Other real estate owned 205 0 0 205 Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying balance sheet, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Collateral Dependent Loans The estimated fair value of collateral-dependent loans is based on the appraised fair value of the collateral, less estimated cost to sell. Collateral-dependent loans are classified within Level 3 of the fair value hierarchy. CTBI considers the appraisal or evaluation as the starting point for determining fair value and then considers other factors and events in the environment that may affect the fair value. Appraisals of the collateral underlying collateral-dependent loans are obtained when the loan is determined to be collateral-dependent and subsequently as deemed necessary by the Chief Credit Officer. Appraisals are reviewed for accuracy and consistency by the Chief Credit Officer. Appraisers are selected from the list of approved appraisers maintained by management. The appraised values are reduced by discounts to consider lack of marketability and estimated cost to sell if repayment or satisfaction of the loan is dependent on the sale of the collateral. These discounts and estimates are developed by the Chief Credit Officer by comparison to historical results. Loans considered collateral-dependent are loans for which the repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty in accordance with ASC 326-20-35-5. Fair value adjustments on collateral-dependent loans disclosed above were $0.1 million and $0.3 million for the years ended December 31, 2024 and December 31, 2023, respectively. Other Real Estate Owned In accordance with the provisions of ASC 360, Property, Plant, and Equipment, Our policy for determining the frequency of periodic reviews is based upon consideration of the specific properties and the known or perceived market fluctuations in a particular market and is typically between 12 and 18 months but generally not more than 24 months. Appraisers are selected from the list of approved appraisers maintained by management. Unobservable (Level 3) Inputs The following tables present quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements at December 31, 2024 and December 31, 2023. Quantitative Information about Level 3 Fair Value Measurements (in thousands) Fair Value at December 31, 2024 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $ 3,781 Discount cash flows, computer pricing model Discount rate 8.0% - 12.0% (10.0%) Conversion date Dec 2025 Dec 2029 ( Dec 2027 Mortgage servicing rights $ 7,357 Discount cash flows, computer pricing model Constant prepayment rate 0.0% - 21.2% (6.6%) Probability of default 0.0% - 100.0% (1.7%) Discount rate 9.5% - 12.3% (10.1%) Collateral-dependent loans $ 8,310 Market comparable properties Marketability discount 11.5% - 18.9% (12.6%) Other real estate owned $ 731 Market comparable properties Comparability adjustments 10.0% - 58.53% (42.2%) Quantitative Information about Level 3 Fair Value Measurements (in thousands) Fair Value at December 31, 2023 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $ 3,158 Discount cash flows, computer pricing model Discount rate 15.0% - 25.0% (20.0%) Conversion date Dec 2028 Dec 2032 ( Dec 2030 Mortgage servicing rights $ 7,665 Discount cash flows, computer pricing model Constant prepayment rate 0.0% - 77.6% (7.5%) Probability of default 0.0% - 66.7% (1.0%) Discount rate 9.5% - 12.0% (10.0%) Collateral-dependent loans $ 8,397 Market comparable properties Marketability discount 10.9% - 19.6% (12.2%) Other real estate owned $ 205 Market comparable properties Comparability adjustments 10.0% - 23.9% (17.5%) Uncertainty of Fair Value Measurements The following is a discussion of the uncertainty of fair value measurements, the interrelationships between those inputs and other unobservable inputs used in recurring fair value measurement, and how those inputs might magnify or mitigate the effect of changes in the unobservable inputs on the fair value measurement. Equity Securities at Fair Value Fair value for equity securities is derived based on unobservable inputs, such as the discount rate, quarterly dividends payable to the Visa Class B common stock, and the prevailing conversion rate at the conversion date. The most recent conversion rate of 1.5653 and the most recent dividend rate of 0.9235 were used to derive the fair value estimate. Significant increases (decreases) in either of those inputs in isolation would result in a significantly lower (higher) fair value measurement. Generally, a change in the assumption used for discount rate is accompanied by a directionally opposite change in the fair value estimate. Mortgage Servicing Rights Fair value for MSRs is derived based on unobservable inputs, such as prepayment speeds of the underlying loans generated using the Andrew Davidson Prepayment Model, FHLMC/FNMA guidelines, the weighted average life of the loan, the discount rate, the weighted average coupon, and the weighted average default rate. Significant increases (decreases) in either of those inputs in isolation would result in a significantly lower (higher) fair value measurement. Generally, a change in the assumption used for prepayment speeds is accompanied by a directionally opposite change in the assumption for interest rates. Fair Value of Financial Instruments The following table presents estimated fair value of CTBI’s financial instruments as of December 31, 2024 and indicates the level within the fair value hierarchy of the valuation techniques. In accordance with the adoption of ASU 2016-01, the fair values as of December 31, 2024 were measured using an exit price notion. Fair Value Measurements at December 31, 2024 Using (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Financial assets: Cash and cash equivalents $ 369,505 $ 369,505 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 1,055,728 328,569 727,159 0 Equity securities at fair value 3,781 0 0 3,781 Loans held for sale 184 188 0 0 Loans, net 4,431,669 0 0 4,166,636 Federal Home Loan Bank stock 5,062 0 5,062 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 24,758 0 24,758 0 Financial liabilities: Deposits $ 5,070,189 $ 1,242,676 $ 3,598,253 $ 0 Repurchase agreements 240,166 0 0 240,213 Federal funds purchased 500 0 500 0 Advances from Federal Home Loan Bank 314 0 322 0 Long-term debt 64,016 0 0 52,394 Accrued interest payable 8,378 0 8,378 0 Unrecognized financial instruments: Letters of credit $ 0 $ 0 $ 0 $ 0 Commitments to extend credit 0 0 0 0 Forward sale commitments 0 0 0 0 The following table presents estimated fair value of CTBI’s financial instruments as of December 31, 2023 and indicates the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at December 31, 2023 Using (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Financial assets: Cash and cash equivalents $ 271,400 $ 271,400 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 1,163,724 336,285 827,439 0 Equity securities at fair value 3,158 0 0 3,158 Loans held for sale 152 154 0 0 Loans, net 4,001,363 0 0 3,745,477 Federal Home Loan Bank stock 4,712 0 4,712 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 23,575 0 23,575 0 Financial liabilities: Deposits $ 4,724,622 $ 1,260,690 $ 3,480,806 $ 0 Repurchase agreements 225,245 0 0 225,187 Federal funds purchased 500 0 500 0 Advances from Federal Home Loan Bank 334 0 349 0 Long-term debt 64,241 0 0 50,326 Accrued interest payable 7,389 0 7,389 0 Unrecognized financial instruments: Letters of credit $ 0 $ 0 $ 0 $ 0 Commitments to extend credit 0 0 0 0 Forward sale commitments 0 0 0 0

Off-Balance Sheet Transactions

Off-Balance Sheet Transactions and Guarantees	12 Months Ended
	Dec. 31, 2024
Off-Balance Sheet Transactions and Guarantees [Abstract]
Off-Balance Sheet Transactions and Guarantees	17. Off-Balance Sheet Transactions and Guarantees CTBI is a party to transactions with off-balance sheet risk in the normal course of business to meet the financing needs of our customers. These financial instruments include standby letters of credit and commitments to extend credit in the form of unused lines of credit. CTBI uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. At December 31, 2024 and 2023, CTBI had the following off-balance sheet financial instruments, whose approximate contract amounts represent additional credit risk to CTBI: (in thousands) 2024 2023 Standby letters of credit $ 38,796 $ 38,861 Commitments to extend credit 902,437 997,158 Total off-balance sheet financial instruments $ 941,233 $ 1,036,019 Standby letters of credit represent conditional commitments to guarantee the performance of a third party. The credit risk involved is essentially the same as the risk involved in making loans. At December 31, 2024, we maintained a credit loss reserve recorded in other liabilities of approximately $0.2 million relating to these financial standby letters of credit. The reserve coverage calculation was determined using essentially the same methodology as used for the ACL. Approximately 72% of the total standby letters of credit are secured, with $22.5 million of the total $27.8 million secured by cash. Collateral for the remaining secured standby letters of credit varies but is comprised primarily of accounts receivable, inventory, property, equipment, and income-producing properties. Commitments to extend credit are agreements to originate loans to customers as long as there is no violation of any condition of the contract. At December 31, 2024, a credit loss reserve recorded in other liabilities of $1.5 million was maintained relating to these commitments. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since a portion of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary, is based on management’s credit evaluation of the counterparty. Collateral held varies, but may include accounts receivable, inventory, property, plant and equipment, commercial real estate, and residential real estate. A portion of the commitments is to extend credit at fixed rates. Fixed rate loan commitments at December 31, 2024 of $122.0 million had interest rates ranging predominantly from 4.0% to 8.25% and terms of predominantly two years or less. These credit commitments were based on prevailing rates, terms, and conditions applicable to other loans being made at December 31, 2024. Included in our commitments to extend credit are mortgage loans in the process of origination which are intended for sale to investors in the secondary market. These forward sale commitments are on an individual loan basis that CTBI originates as part of our mortgage banking activities. CTBI commits to sell the loans at specified prices in a future period, typically within 60 days. These commitments are acquired to reduce market risk on mortgage loans in the process of origination and mortgage loans held for sale, since CTBI is exposed to interest rate risk during the period between issuing a loan commitment and the sale of the loan into the secondary market. There were no mortgage loans in the process of origination at December 31, 2024. We had mortgage loans in the process of origination totaling $0.4 million at December 31, 2023. Mortgage loans held for sale were $0.2 million for each of the years ended December 31, 2024 and 2023.

Concentrations of Credit Risk

Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2024
Concentrations of Credit Risk [Abstract]
Concentrations of Credit Risk	18. Concentrations of Credit Risk CTBI’s banking activities include granting commercial, residential, and consumer loans to customers primarily located in eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee. CTBI is continuing to manage all components of its portfolio mix in a manner to reduce risk from changes in economic conditions. Concentrations of credit, as defined for regulatory purposes, are reviewed quarterly by management to ensure that internally established limits based on Tier 1 Capital plus the ACL are not exceeded. On December 31, 2024, and December 31, 2023, our concentrations of hospitality industry credits were 64% and 62% of Tier 1 Capital plus the ACL, respectively. Lessors of residential buildings and dwellings were 51% and 46% for each period end, respectively, and lessors of non-residential buildings credits were 32% and 35% for each period end, respectively. These percentages are within our internally established limits regarding concentrations of credit.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies [Abstract]
Commitments and Contingencies	19. Commitments and Contingencies CTBI and our subsidiaries, and from time to time, our officers, are named defendants in legal actions arising from ordinary business activities. Management, after consultation with legal counsel, believes any pending actions at December 31, 2024 are without merit or that the ultimate liability, if any, will not materially affect our consolidated financial position or results of operations.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2024
Regulatory Matters [Abstract]
Regulatory Matters	20. Regulatory Matters CTBI’s principal source of funds is dividends received from our banking subsidiary, CTB. Regulations limit the amount of dividends that may be paid by CTB without prior approval. During 2025, approximately $102.6 million plus any 2025 net profits can be paid by CTB without prior regulatory approval. CTBI and CTB are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by regulators that, if undertaken, could have a material adverse effect on CTBI’s financial statements. Under regulatory capital adequacy guidelines, CTBI and CTB must meet specific capital guidelines that involve quantitative measures of CTBI’s and CTB’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. Additionally, CTB must meet specific capital guidelines to be considered well capitalized per the regulatory framework for prompt corrective action. CTBI’s and CTB’s capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weightings, and other factors. CTBI and CTB must maintain certain minimum capital ratios as set forth in the table below for capital adequacy purposes. On October 29, 2019, federal banking regulators adopted a final rule to simplify the regulatory capital requirements for eligible community banks and holding companies that opt-in to the community bank leverage ratio framework (the “CBLR framework”), as required by Section 201 of the Economic Growth, Relief and Consumer Protection Act of 2018. Under the final rule, which became effective as of January 1, 2020, community banks and holding companies (which includes CTB and CTBI) that satisfy certain qualifying criteria, including having less than $10 billion in average total consolidated assets and a leverage ratio (referred to as the “community bank leverage ratio”) of greater than 9%, were eligible to opt-in to the CBLR framework. The community bank leverage ratio is the ratio of a banking organization’s Tier 1 capital to its average total consolidated assets, both as reported on the banking organization’s applicable regulatory filings. Accordingly, a qualifying community banking organization that has a community bank leverage ratio greater than 9% will be considered to have met: (i) the risk-based and leverage capital requirements of the generally applicable capital rules; (ii) the capital ratio requirements in order to be considered well-capitalized under the prompt corrective action framework; and (iii) any other applicable capital or leverage requirements. Management elected to use the CBLR framework for CTBI and CTB. Consolidated Capital Ratios Actual For Capital Adequacy Purposes (in thousands) Amount Ratio Amount Ratio As of December 31, 2024: CBLR $ 847,280 13.76 % $ 554,207 9.00 % As of December 31, 2023: CBLR $ 797,672 13.69 % $ 524,234 9.00 % Community Trust Bank, Inc.’s Capital Ratios Actual For Capital Adequacy Purposes (in thousands) Amount Ratio Amount Ratio As of December 31, 2024: CBLR $ 813,737 13.29 % $ 551,141 9.00 % As of December 31, 2023: CBLR $ 766,180 13.22 % $ 521,612 9.00 %

Parent Company Financial Statem

Parent Company Financial Statements	12 Months Ended
	Dec. 31, 2024
Parent Company Financial Statements [Abstract]
Parent Company Financial Statements	21. Parent Company Financial Statements Condensed Balance Sheets (in thousands) December 31 2024 2023 Assets: Cash on deposit $ 2,797 $ 3,183 Investment in and advances to subsidiaries 814,196 759,048 Goodwill 4,973 4,973 Premises and equipment, net 307 237 Deferred tax asset 450 434 Other assets 128 49 Total assets $ 822,851 $ 767,924 Liabilities and shareholders’ equity: Long-term debt $ 61,341 $ 61,341 Other liabilities 3,926 4,375 Total liabilities 65,267 65,716 Shareholders’ equity 757,584 702,208 Total liabilities and shareholders’ equity $ 822,851 $ 767,924 Condensed Statements of Income and Comprehensive Income (Loss) (in thousands) Year Ended December 31 2024 2023 2022 Income: Dividends from subsidiaries $ 36,405 $ 29,931 $ 31,544 Other income 1,173 1,400 710 Total income 37,578 31,331 32,254 Expenses: Interest expense 4,410 4,287 2,060 Depreciation expense 201 125 75 Other expenses 4,706 4,718 4,833 Total expenses 9,317 9,130 6,968 Income before income taxes and equity in undistributed income of subsidiaries 28,261 22,201 25,286 Income tax benefit (2,394 ) (2,012 ) (1,808 ) Income before equity in undistributed income of subsidiaries 30,655 24,213 27,094 Equity in undistributed income of subsidiaries 52,158 53,791 54,720 Net income $ 82,813 $ 78,004 $ 81,814 Other comprehensive income (loss): Unrealized holding gains (losses) on debt securities available-for-sale: Unrealized holding gains (losses) arising during the period 6,607 36,863 (168,060 ) Less: Reclassification adjustments for realized gains (losses) included in net income 8 4 (81 ) Tax expense (benefit) 1,647 11,028 (43,675 ) Other comprehensive income (loss), net of tax 4,952 25,831 (124,304 ) Comprehensive income (loss) $ 87,765 $ 103,835 $ (42,490 ) Condensed Statements of Cash Flows (in thousands) Year Ended December 31 2024 2023 2022 Cash flows from operating activities: Net income $ 82,813 $ 78,004 $ 81,814 Adjustments to reconcile net income to net cash provided by operating activities: Depreciation 201 125 76 Equity in undistributed earnings of subsidiaries (52,158 ) (53,791 ) (54,720 ) Deferred taxes (16 ) (174 ) 630 Stock-based compensation 1,354 1,576 1,366 Gains on sale of assets, net 0 (48 ) 0 Changes in: Other assets (79 ) 4,758 611 Other liabilities (593 ) 1,039 (1,115 ) Net cash provided by operating activities 31,522 31,489 28,662 Cash flows from investing activities: Net purchases of premises and equipment (271 ) (229 ) (95 ) Proceeds from sale and retirement of premises and equipment 0 48 0 Net cash used in investing activities (271 ) (181 ) (95 ) Cash flows from financing activities: Issuance of common stock 1,770 1,129 1,041 Dividends paid (33,407 ) (32,187 ) (29,938 ) Net cash used in financing activities (31,637 ) (31,058 ) (28,897 ) Net increase (decrease) in cash and cash equivalents (386 ) 250 (330 ) Cash and cash equivalents at beginning of year 3,183 2,933 3,263 Cash and cash equivalents at end of year $ 2,797 $ 3,183 $ 2,933

Segment Reporting

Segment Reporting	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Segment Reporting	22. Segment Reporting CTBI is a financial holding company, whose principal activity is the ownership and management of its wholly-owned subsidiaries, including CTB and Community Trust and Investment Company. As a community-oriented financial institution, the majority of CTBI’s operations consist of commercial and personal banking services. Management analyzes the operation of CTBI assuming one operating segment, community banking services. CTBI, through our operating subsidiaries, offers a wide range of consumer and commercial community banking services. CTBI’s chief operating decision maker is comprised of the executive leadership team. For CTBI, the executive leadership team uses gross profit to allocate resources in the annual budget and forecasting process. The chief operating decision maker considers budget-to-actual variances on a monthly basis for profit measures when making decisions about allocating capital and personnel to the operating segment. For CTBI, the executive leadership team uses net interest income and noninterest income to allocate resources (including employees, financial, or capital resources) to that segment in the annual budget and forecasting process and uses that measure as a basis for evaluating product offerings and pricing. The following tables present information about reported segment revenue, measures of a segment’s profit or loss, and significant segment expenses for the years ended December 31, 2024, 2023, and 2022, and measure of a segment’s assets as of December 31, 2024 and 2023. CTBI does not allocate all holding company expenses, income taxes, or unusual items to the reportable segment. Accounting policies for the segment are the same as described in note 1 above. All operations of CTBI are domestic. The following tables present the reconciliations of reportable segment revenues and measures of profit or loss and line item reconciliation to CTBI’s consolidated financial statement totals. (in thousands) Year Ended December 31, 2024 Community Banking Services Holding Company Eliminations Consolidated Interest income: Interest and fees on loans, including loans held for sale $ 274,619 $ 0 $ 0 $ 274,619 Interest and dividends on securities: Taxable 24,953 0 0 24,953 Tax exempt 2,553 0 0 2,553 Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock 783 0 0 783 Interest on Federal Reserve Bank deposits 10,101 0 0 10,101 Other, including interest on federal funds sold 301 133 0 434 Total interest income 313,310 133 0 313,443 Interest expense: Interest on deposits 112,516 0 0 112,516 Interest on repurchase agreements and federal funds purchased 10,393 0 0 10,393 Interest on advances from Federal Home Loan Bank 16 0 0 16 Interest on long-term debt 365 4,410 (252 ) 4,523 Total interest expense 123,290 4,410 (252 ) 127,448 Net interest income 190,020 (4,277 ) 252 185,995 Provision for credit losses 10,951 0 0 10,951 Net interest income after provision for credit losses 179,069 (4,277 ) 252 175,044 Noninterest income: Deposit related fees 29,824 0 0 29,824 Gains on sales of loans, net 294 0 0 294 Trust and wealth management income 14,921 0 0 14,921 Loan related fees 4,957 0 0 4,957 Bank owned life insurance 5,236 0 0 5,236 Brokerage revenue 2,272 0 0 2,272 Securities gains (losses) 631 0 0 631 Dividend and undistributed income from subsidiaries 0 88,430 (88,430 ) 0 Other noninterest income 5,540 1,173 (2,283 ) 4,430 Total noninterest income 63,675 89,603 (90,713 ) 62,565 Noninterest expense: Officer salaries and employee benefits 15,107 2,039 (830 ) 16,316 Other salaries and employee benefits 63,111 873 (873 ) 63,111 Occupancy, net 9,440 2 0 9,442 Equipment 2,746 201 (185 ) 2,762 Data processing 11,152 20 0 11,172 Bank franchise tax 1,685 0 0 1,685 Legal fees 906 184 0 1,090 Professional fees 2,581 441 (239 ) 2,783 Advertising and marketing 3,078 52 0 3,130 FDIC insurance 2,586 0 0 2,586 Other real estate owned provision and expense 152 0 0 152 Repossession expense 1,089 0 0 1,089 Other noninterest expense 14,666 1,095 (156 ) 15,605 Total noninterest expense 128,299 4,907 (2,283 ) 130,923 Income before income taxes 114,445 80,419 (88,178 ) 106,686 Income taxes 26,267 (2,394 ) 0 23,873 Net income $ 88,178 $ 82,813 $ (88,178 ) $ 82,813 (in thousands) Year Ended December 31, 2023 Community Banking Services Holding Company Eliminations Consolidated Interest income: Interest and fees on loans, including loans held for sale $ 230,844 $ 0 $ 0 $ 230,844 Interest and dividends on securities: Taxable 27,263 0 0 27,263 Tax exempt 2,678 0 0 2,678 Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock 759 0 0 759 Interest on Federal Reserve Bank deposits 6,831 0 0 6,831 Other, including interest on federal funds sold 146 129 0 275 Total interest income 268,521 129 0 268,650 Interest expense: Interest on deposits 81,167 0 0 81,167 Interest on repurchase agreements and federal funds purchased 8,994 0 0 8,994 Interest on advances from Federal Home Loan Bank 1,004 0 0 1,004 Interest on long-term debt 333 4,286 (244 ) 4,375 Total interest expense 91,498 4,286 (244 ) 95,540 Net interest income 177,023 (4,157 ) 244 173,110 Provision for credit losses 6,811 0 0 6,811 Net interest income after provision for credit losses 170,212 (4,157 ) 244 166,299 Noninterest income: Deposit related fees 29,935 0 0 29,935 Gains on sales of loans, net 395 0 0 395 Trust and wealth management income 13,025 0 0 13,025 Loan related fees 3,792 0 0 3,792 Bank owned life insurance 3,517 0 0 3,517 Brokerage revenue 1,473 0 0 1,473 Securities gains (losses) 996 0 0 996 Dividend and undistributed income from subsidiaries 0 83,593 (83,593 ) 0 Other noninterest income 5,551 1,400 (2,425 ) 4,526 Total noninterest income 58,684 84,993 (86,018 ) 57,659 Noninterest expense: Officer salaries and employee benefits 13,766 2,511 (1,071 ) 15,206 Other salaries and employee benefits 58,505 826 (826 ) 58,505 Occupancy, net 8,900 0 0 8,900 Equipment 2,943 125 (125 ) 2,943 Data processing 9,711 15 0 9,726 Bank franchise tax 1,649 0 0 1,649 Legal fees 1,008 123 0 1,131 Professional fees 2,083 383 (247 ) 2,219 Advertising and marketing 3,191 23 0 3,214 FDIC insurance 2,483 0 0 2,483 Other real estate owned provision and expense 350 0 0 350 Repossession expense 531 0 0 531 Other noninterest expense 17,852 838 (157 ) 18,533 Total noninterest expense 122,972 4,844 (2,426 ) 125,390 Income before income taxes 105,924 75,992 (83,348 ) 98,568 Income taxes 22,576 (2,012 ) 0 20,564 Net income $ 83,348 $ 78,004 $ (83,348 ) $ 78,004 (in thousands) Year Ended December 31, 2022 Community Banking Services Holding Company Eliminations Consolidated Interest income: Interest and fees on loans, including loans held for sale $ 169,885 $ 0 $ 0 $ 169,885 Interest and dividends on securities: Taxable 21,695 0 0 21,695 Tax exempt 2,998 0 0 2,998 Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock 603 0 0 603 Interest on Federal Reserve Bank deposits 2,439 0 0 2,439 Other, including interest on federal funds sold 60 62 0 122 Total interest income 197,680 62 0 197,742 Interest expense: Interest on deposits 24,068 0 0 24,068 Interest on repurchase agreements and federal funds purchased 2,540 0 0 2,540 Interest on advances from Federal Home Loan Bank 20 0 0 20 Interest on long-term debt 70 2,060 (118 ) 2,012 Total interest expense 26,698 2,060 (118 ) 28,640 Net interest income 170,982 (1,998 ) 118 169,102 Provision for credit losses 4,905 0 0 4,905 Net interest income after provision for credit losses 166,077 (1,998 ) 118 164,197 Noninterest income: Deposit related fees 29,049 0 0 29,049 Gains on sales of loans, net 1,525 0 0 1,525 Trust and wealth management income 12,394 0 0 12,394 Loan related fees 6,185 0 0 6,185 Bank owned life insurance 2,708 0 0 2,708 Brokerage revenue 1,846 0 0 1,846 Securities gains (losses) (168 ) 0 0 (168 ) Dividend and undistributed income from subsidiaries 0 86,202 (86,202 ) 0 Other noninterest income 5,430 710 (1,763 ) 4,377 Total noninterest income 58,969 86,912 (87,965 ) 57,916 Noninterest expense: Officer salaries and employee benefits 13,877 2,570 (525 ) 15,922 Other salaries and employee benefits 56,568 801 (801 ) 56,568 Occupancy, net 8,380 0 0 8,380 Equipment 2,703 75 (75 ) 2,703 Data processing 8,889 24 (3 ) 8,910 Bank franchise tax 1,528 0 0 1,528 Legal fees 1,044 115 0 1,159 Professional fees 2,125 402 (252 ) 2,275 Advertising and marketing 2,982 23 0 3,005 FDIC insurance 1,447 0 0 1,447 Other real estate owned provision and expense 456 0 0 456 Repossession expense 546 0 0 546 Other noninterest expense 17,381 898 (107 ) 18,172 Total noninterest expense 117,926 4,908 (1,763 ) 121,071 Income before income taxes 107,120 80,006 (86,084 ) 101,042 Income taxes 21,036 (1,808 ) 0 19,228 Net income $ 86,084 $ 81,814 $ (86,084 ) $ 81,814 The following tables present other segment disclosures: (thousands) Year Ended December 31, 2024 Community Banking Services Holding Company Eliminations Consolidated Depreciation $ 3,622 $ 201 $ 0 $ 3,823 Amortization of operating lease right-of-use assets 1,180 0 0 1,180 Significant non-cash items: Provision for credit losses 10,951 0 0 10,951 Change in cash surrender value of bank owned life insurance 3,995 0 0 3,995 Expenditures for long-lived assets 7,807 271 0 8,078 (thousands) Year Ended December 31, 2023 Community Banking Holding Company Eliminations Consolidated Depreciation $ 3,666 $ 125 $ 0 $ 3,791 Amortization of operating lease right-of-use assets 1,560 0 0 1,560 Significant non-cash items: Provision for credit losses 6,811 0 0 6,811 Change in cash surrender value of bank owned life insurance 2,361 0 0 2,361 Expenditures for long-lived assets 6,093 229 0 6,322 (thousands) Year Ended December 31, 2022 Community Banking Services Holding Company Eliminations Consolidated Depreciation $ 3,305 $ 76 $ 0 $ 3,381 Amortization of operating lease right-of-use assets 1,838 0 0 1,838 Significant non-cash items: Provision for credit losses 4,905 0 0 4,905 Change in cash surrender value of bank owned life insurance 1,650 0 0 1,650 Expenditures for long-lived assets 6,123 95 0 6,218 Below is a reconciliation of our reportable segment assets to CTBI’s consolidated total assets: (in thousands) December 31 2024 December 31 2023 Assets Community banking services assets $ 6,186,518 $ 5,765,286 Holding company assets 822,851 767,923 Elimination of subsidiary and parent cash and intercompany receivables (3,780 ) (6,317 ) Elimination of investment in subsidiaries (812,345 ) (757,196 ) Consolidated total assets $ 6,193,245 $ 5,769,696

Revenue Recognition

Revenue Recognition	12 Months Ended
	Dec. 31, 2024
Revenue Recognition [Abstract]
Revenue Recognition	23. Revenue Recognition CTBI’s primary source of revenue is interest income generated from loans and investment securities. Interest income is recognized according to the terms of the financial instrument agreement over the life of the loan or investment security unless it is determined that the counterparty is unable to continue making interest payments. Interest income also includes prepaid interest fees from commercial customers, which approximates the interest foregone on the balance of the loan prepaid. CTBI’s additional source of income, also referred to as noninterest income, includes service charges on deposit accounts, gains on sales of loans, trust and wealth management income, loan related fees, brokerage revenue, and other miscellaneous income and is largely based on contracts with customers. In these cases, CTBI recognizes revenue when it satisfies a performance obligation by transferring control over a product or service to a customer. CTBI considers a customer to be any party to which we will provide goods or services that are an output of CTBI’s ordinary activities in exchange for consideration. There is little seasonality with regards to revenue from contracts with customers and all inter-company revenue is eliminated when CTBI’s financial statements are consolidated. Generally, CTBI enters into contracts with customers that are short-term in nature where the performance obligations are fulfilled and payment is processed at the same time. Such examples include revenue related to merchant fees, interchange fees, and investment services income. In addition, revenue generated from existing customer relationships such as deposit accounts are also considered short-term in nature, because the relationship may be terminated at any time and payment is processed at the time performance obligations are fulfilled. As a result, CTBI does not have contract assets, contract liabilities, or related receivable accounts for contracts with customers. In cases where collectability is a concern, CTBI does not record revenue. Generally, the pricing of transactions between CTBI and each customer is either (i) established within a legally enforceable contract between the two parties, as is the case with loan sales, or (ii) disclosed to the customer at a specific point in time, as is the case when a deposit account is opened or before a new loan is underwritten. Fees are usually fixed at a specific amount or as a percentage of a transaction amount. No judgment or estimates by management are required to record revenue related to these transactions and pricing is clearly identified within these contracts. CTBI primarily operates in Kentucky and contiguous areas. Therefore, all significant operating decisions are based upon analysis of CTBI as one operating segment. We disaggregate our revenue from contracts with customers by contract-type and timing of revenue recognition, as we believe it best depicts how the nature, amount, timing, and uncertainty of our revenue and cash flows are affected by economic factors. Noninterest income not generated from customers during CTBI’s ordinary activities primarily relates to MSRs, gains/losses on the sale of investment securities, gains/losses on the sale of OREO, gains/losses on the sale of property, plant and equipment, and income from bank owned life insurance. For more information related to our components of noninterest income, see the consolidated statements of income and comprehensive income above.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Earnings Per Share	24. Earnings Per Share The following table sets forth the computation of basic and diluted earnings per share: (in thousands except per share data) Year Ended December 31 2024 2023 2022 Numerator: Net income $ 82,813 $ 78,004 $ 81,814 Denominator: Basic earnings per share: Weighted average shares 17,950 17,887 17,836 Diluted earnings per share: Dilutive effect of equity grants 27 13 15 Adjusted weighted average shares 17,977 17,900 17,851 Earnings per share: Basic earnings per share $ 4.61 $ 4.36 $ 4.59 Diluted earnings per share 4.61 4.36 4.58 There were no options to purchase common shares that were excluded from the diluted calculations above for the years ended December 31, 2024, 2023, and 2022. In addition to in-the-money stock options, unvested restricted stock grants were also used in the calculation of diluted earnings per share based on the treasury method.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2024
Accumulated Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss)	25. Accumulated Other Comprehensive Income (Loss) Unrealized gains (losses) on AFS securities Amounts reclassified from accumulated other comprehensive income (loss) (“AOCI”) and the affected line items in the statements of income during the years ended December 31, 2024, 2023, and 2022 were: Amounts Reclassified from AOCI (in thousands) Year Ended December 31 2024 2023 2022 Affected line item in the statements of income Securities gains (losses) $ 8 $ 4 $ (81 ) Tax expense (benefit) 2 1 (21 ) Total reclassifications out of AOCI $ 6 $ 3 $ (60 )

Cybersecurity Risk Management a

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Abstract]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	As referenced in the Operational Risks/Cyber Risks section of Item 1A. Risk Factors included in this Form 10-K, our organization may be materially affected by cybersecurity threats and incidents that target its internally managed information technology systems or our critical vendor systems. Our institution utilizes industry standard and regulatory approved assessment tools to identify cybersecurity risks and measure preparedness. The tools provide a repeatable and measurable framework for our organization to measure its cybersecurity preparedness over time. The assessment process spans over five domains of interest: (1) cyber risk management and oversight, (2) threat intelligence and collaboration, (3) cybersecurity controls, (4) external dependencies, and (5) cyber incident management and resilience. All domains are currently assessed at an evolving maturity level which is in line with our organizations inherent risk assessment score. Our institution has purchased and is using best of breed tools in the areas of endpoint security, Security Information Event Management (“SIEM”), Privileged Access Management (“PAM”), email and web browsing filtering and management, and user analytics. We also use a comprehensive third party 24-by-7 Security Operations Center (“SOC”) that monitors, detects, and remediates cybersecurity threats adhering to strict service response levels. The internal assessment process and internal tools and SOC related key indicators are reported on a quarterly basis to the Security and Information Security Committee and the Enterprise-wide Risk Management Committee and annually to the Board of Directors. The assessment process, internal tools, and corresponding SOC related services are also reviewed when new threats arise or when considering changes to the business strategy, such as expanding operations, offering new products and services, or entering into new third-party relationships that support critical activities. Consequently, management shall determine whether additional risk management practices or controls are needed to maintain or augment the institution’s cybersecurity maturity. Our processes for assessing, identifying, and managing material risks from cybersecurity threats have been integrated into our overall risk management processes. Our internal audit program executes a Our enterprise risk management program is designed to identify, assess, and mitigate risks across various aspects of our company, including financial, operational, regulatory, reputational, and legal. Cybersecurity is a critical component of this program, given the increasing reliance on technology and potential of cyber threats. Our processes and policies related to cybersecurity are focused on: (i) developing organizational understanding to manage cybersecurity risks, (ii) applying safeguards to protect our systems, (iii) detecting the occurrence of a cybersecurity incident, (iv) responding to a cybersecurity incident, and (v) recovering from a cybersecurity incident. Where appropriate, these processes and policies are integrated into our overall enterprise risk management systems and processes. For example, all of our employees with network access are required to complete information security and privacy training on an annual basis. We are continuously working to improve our information technology systems and provide employee awareness training around phishing, malware, and other cyber risks to enhance our levels of protection. Other aspects of our cyber and information security risk management program include: • Monitoring external and internal threats and events, managing access, facilitating use of appropriate authentication options, validating controls and programs by internal teams and independent third parties and testing various compromise scenarios that are overseen by our information security team; • Investing in threat intelligence platforms and participating in financial services industry and government forums which track and report on cyber and other information security threats; • Routinely performing vulnerability tests; • Engaging independent consultants and other third-parties to assist CTBI in establishing and improving its policies; and • Conducting “tabletop” exercises at least annually to test CTBI’s processes and policies and using feedback from those exercises to further improve our processes. CTBI also maintains insurance coverage for cybersecurity incidents as part of its overall insurance portfolio. In the event of a cybersecurity incident, CTBI maintains incident response plans to investigate, classify, respond to, and manage cybersecurity incidents that may compromise the availability or integrity of our information systems, network resources, or data. In accordance with the incident response plans, cross-functional management teams assess and assign a threat level o each cybersecurity incident. A cybersecurity incident (or incidents, if aggregated together) determined to be at a critical threat level is escalated to a group consisting of CTBI’s Chief Executive Officer and certain other officers, including the Chief Legal Officer, Executive Vice President/Operations, Chief Risk Officer, and Chief Financial Officer for review. In an effort to continually share threat intelligence and increase awareness of cybersecurity threats, routine communication to employees is conducted to highlight internal control requirements, common cybersecurity threats and schemes. Our incident response team members also participate in the annual Financial Services Information Sharing and Analysis Center tabletop cybersecurity tabletop exercises. Our comprehensive vendor management program and processes assess all new vendors and segments them into criticality tiers. Our most critical vendors (tiers 1 and 2) are evaluated annually based on requested vendor documents, such as Statements on Standards Attestation Engagements No. 18 (SSAE 18), financial statements, insurance, and due diligence questionnaires. The vendor management team also monitors all news alerts related to all critical vendors. As of the date of this report, we are not aware of any cybersecurity threats, including as a result of any previous cybersecurity incidents, that have materially affected or are reasonably likely to materially affect CTBI.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	The assessment process spans over five domains of interest: (1) cyber risk management and oversight, (2) threat intelligence and collaboration, (3) cybersecurity controls, (4) external dependencies, and (5) cyber incident management and resilience. All domains are currently assessed at an evolving maturity level which is in line with our organizations inherent risk assessment score. Our institution has purchased and is using best of breed tools in the areas of endpoint security, Security Information Event Management (“SIEM”), Privileged Access Management (“PAM”), email and web browsing filtering and management, and user analytics. We also use a comprehensive third party 24-by-7 Security Operations Center (“SOC”) that monitors, detects, and remediates cybersecurity threats adhering to strict service response levels. The internal assessment process and internal tools and SOC related key indicators are reported on a quarterly basis to the Security and Information Security Committee and the Enterprise-wide Risk Management Committee and annually to the Board of Directors.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Text Block]	As of the date of this report, we are not aware of any cybersecurity threats, including as a result of any previous cybersecurity incidents, that have materially affected or are reasonably likely to materially affect CTBI.
Cybersecurity Risk Board of Directors Oversight [Text Block]	Management receives information on cyber activities, incidents, and risk assessments quarterly from the VP/Corporate Information Security, Resilience and Data Officer (CISRDO), the SVP/Manager Application Systems, and the EVP/Operations during the Security and Information Security Committee and the Information Technology Steering Committee meetings. This information is also shared and discussed quarterly with the Enterprise-wide Risk Management Committee. Various key risk measures related to cyber risk are tracked and reported quarterly to the Enterprise-wide Risk Management Committee. Our VP/CISRDO has been with CTBI for six years and has extensive 30+ years of experience in information technology management roles in various industries. At December 31, 2024, our The Board of Directors monitors cyber risk through quarterly reports from the Board’s Risk and Compliance Committee. This Board committee meets quarterly and receives information concerning cyber risk activities, including cyber risk assessments and incident reporting. The Board also receives an annual report covering cyber risk from the Chief Information Technology Officer. Controls over cyber risk are reviewed throughout the year by internal audit activities and third-party assessments whose reports are reviewed by the Board’s Audit Committee.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Board of Directors monitors cyber risk through quarterly reports from the Board’s Risk and Compliance Committee.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	This Board committee meets quarterly and receives information concerning cyber risk activities, including cyber risk assessments and incident reporting. The Board also receives an annual report covering cyber risk from the Chief Information Technology Officer. Controls over cyber risk are reviewed throughout the year by internal audit activities and third-party assessments whose reports are reviewed by the Board’s Audit Committee.
Cybersecurity Risk Role of Management [Text Block]	Management receives information on cyber activities, incidents, and risk assessments quarterly from the VP/Corporate Information Security, Resilience and Data Officer (CISRDO), the SVP/Manager Application Systems, and the EVP/Operations during the Security and Information Security Committee and the Information Technology Steering Committee meetings. This information is also shared and discussed quarterly with the Enterprise-wide Risk Management Committee. Various key risk measures related to cyber risk are tracked and reported quarterly to the Enterprise-wide Risk Management Committee. Our VP/CISRDO has been with CTBI for six years and has extensive 30+ years of experience in information technology management roles in various industries. At December 31, 2024, our
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	Management receives information on cyber activities, incidents, and risk assessments quarterly from the VP/Corporate Information Security, Resilience and Data Officer (CISRDO), the SVP/Manager Application Systems, and the EVP/Operations during the Security and Information Security Committee and the Information Technology Steering Committee meetings.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	Our VP/CISRDO has been with CTBI for six years and has extensive 30+ years of experience in information technology management roles in various industries. At December 31, 2024, our
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	information on cyber activities, incidents, and risk assessments quarterly from the VP/Corporate Information Security, Resilience and Data Officer (CISRDO), the SVP/Manager Application Systems, and the EVP/Operations during the Security and Information Security Committee and the Information Technology Steering Committee meetings. This information is also shared and discussed quarterly with the Enterprise-wide Risk Management
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 2024
Insider Trading Arrangements [Line Items]
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Accounting Policies (Policies)

Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation – The consolidated financial statements include Community Trust Bancorp, Inc. (“CTBI”) and our subsidiaries, including our principal subsidiary, Community Trust Bank, Inc. (“CTB”). Intercompany transactions and accounts have been eliminated in consolidation.
Nature of Operations	Nature of Operations – Substantially all assets, liabilities, revenues, and expenses are related to banking operations, including lending, investing of funds, obtaining of deposits, trust and wealth management operations, full service brokerage operations, and other financing activities. All of our business offices and the majority of our business are located in eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee.
Use of Estimates	Use of Estimates – In preparing the consolidated financial statements, management must make certain estimates and assumptions. These estimates and assumptions affect the amounts reported for assets, liabilities, revenues, and expenses, as well as affecting the disclosures provided. Future results could differ from the current estimates. Such estimates include, but are not limited to, the allowance for credit losses (“ACL”), goodwill, and the valuation of financial instruments. The accompanying financial statements have been prepared using values and information currently available to CTBI. Given the volatility of current economic conditions, the values of assets and liabilities recorded in the financial statements could change rapidly, resulting in material future adjustments in asset values, the ACL, and capital.
Cash and Cash Equivalents	Cash and Cash Equivalents – CTBI considers all liquid investments with original maturities of three months or less to be cash equivalents. Cash and cash equivalents include cash on hand, amounts due from banks, interest bearing deposits in other financial institutions, and federal funds sold. Generally, federal funds are sold for one-day periods.
Certificates of Deposit in Other Banks	Certificates of Deposit in Other Banks – Certificates of deposit in other banks generally mature within 18 months and are carried at cost.
Investments	Investments – Management determines the classification of securities at purchase. We classify debt securities into held-to-maturity , trading , or available-for-sale categories. Held-to-maturity ( “HTM”) securities are those which we have the positive intent and ability to hold to maturity and are reported at amortized cost. In accordance with the Financial Accounting Standards Board (“FASB”) Accounting Standards Codification ( “ASC”) 320 , Investments – Debt Securities , a. Trading securities . . b. Available-for-sale securities. Investments not classified as trading securities (nor as HTM securities) shall be classified as available-for-sale (“AFS”) securities. We do not have any securities that are classified as trading securities. AFS securities are reported at fair value, with unrealized gains and losses included as a separate component of shareholders’ equity, net of tax. If declines in fair value are other than temporary, the carrying value of the securities is written down to fair value as a realized loss with a charge to income for the portion attributable to credit losses and a charge to other comprehensive income for the portion that is not credit related. For AFS debt securities in an unrealized loss position, we evaluate the securities to determine whether the decline in the fair value below the amortized cost basis (impairment) is due to credit-related factors or non-credit related factors. Any impairment that is not credit-related is recognized in accumulated other comprehensive income, net of tax. Credit-related impairment is recognized as an ACL for AFS debt securities on the consolidated balance sheet, limited to the amount by which the amortized cost basis exceeds the fair value, with a corresponding adjustment to earnings. Accrued interest receivable on AFS debt securities is excluded from the estimate of credit losses. Both the ACL for AFS debt securities and the adjustment to net income may be reversed if conditions change. However, if we intend to sell an impaired AFS debt security or more likely than not will be required to sell such a security before recovering its amortized cost basis, the entire impairment amount would be recognized in earnings with a corresponding adjustment to the security’s amortized cost basis. Because the security’s amortized cost basis is adjusted to fair value, there is no ACL for AFS debt securities in this situation. In evaluating AFS debt securities in unrealized loss positions for impairment and the criteria regarding its intent or requirement to sell such securities, we consider the extent to which fair value is less than amortized cost, whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuers’ financial condition, among other factors. There were no credit related factors underlying unrealized losses on AFS debt securities at December 31, 2024 and 2023; therefore, no ACL for AFS securities was recorded. Changes in the ACL for AFS debt securities are recorded as expense. Losses are charged against the ACL for AFS debt securities when management believes the uncollectability of an AFS debt security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Gains or losses on disposition of debt securities are computed by specific identification for those securities. Interest and dividend income, adjusted by amortization of purchase premium or discount, is included in earnings. HTM securities are subject to an allowance for lifetime expected credit losses, determined by adjusting historical loss information for current conditions and reasonable and supportable forecasts. The forward-looking evaluation of lifetime expected losses will be performed on a pooled basis for debt securities that share similar risk characteristics. These allowances for expected losses must be made by the holder of the HTM debt security when the security is purchased. At December 31, 2024 and 2023, CTBI held no securities designated as HTM. CTBI accounts for equity securities in accordance with ASC 321, Investments – Equity Securities Equity securities with a readily determinable fair value are required to be measured at fair value, with changes in fair value recognized in net income. Equity securities without a readily determinable fair value are carried at cost, less any impairment, if any, plus or minus changes resulting from observable price changes for identical or similar investments. As permitted by ASC 321-10-35-2, CTBI can make an irrevocable election to subsequently measure an equity security without a readily determinable fair value, and all identical or similar investments of the same issuer, including future purchases of identical or similar investments of the same issuer, at fair value. CTBI has made this election for our Visa Class B equity securities. The fair value of these securities was determined by a third party service provider using Level 3 inputs as defined in ASC 820, Fair Value Measurement
Loans	Loans – With the implementation of ASU 2022-02, enhanced disclosure requirements have been implemented for certain loan modifications when a borrower is experiencing financial difficulty. These concessions typically result from our loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance, or other actions. Modifications of terms for our loans are based on individual facts and circumstances. Loan modifications involve either an increase or reduction of the interest rate, extension of the term of the loan, or deferral of principal and/or interest payments, regardless of the period of the modification. All of the loan modifications were done due to financial stress of the borrower. In order to determine if a borrower was experiencing financial difficulty, an evaluation was performed to determine the probability that the borrower would be in payment default on any of its debt in the foreseeable future without the modification. This evaluation was performed under CTBI ’s internal underwriting policy.
Leases	Leases – CTBI accounts for leases under ASC 842, recording a right-of-use asset and a lease liability for all leases with terms longer than 12 months. The right-of-use asset represents the right to use the asset under lease for the lease term, and the lease liability represents the contractual obligation to make lease payments. The right-of-use asset is tested for impairment whenever events or changes in circumstances indicate the carrying value might not be recoverable. Leases are classified as either finance or operating, with classification affecting the pattern of expense recognition in the consolidated income statement. A lease is treated as a sale if it transfers all of the risks and rewards, as well as control of the underlying asset, to the lessee. If risks and rewards are conveyed without the transfer of control, the lease is treated as a financing. If the lessor does not convey risks and rewards or control, an operating lease results. Right-of-use assets and lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents our incremental borrowing rate, on a collateralized basis, over a similar term at the lease commencement date and may be re-measured for certain modifications or the company’s exercise of options (renewal, extension, or termination) under the lease. Right-of-use assets are further adjusted for prepaid rent, lease incentives, and initial direct costs, if any. Expenses are recognized through occupancy expense.
Allowance for Credit Losses	Allowance for Credit Losses – CTBI accounts for the ACL under ASC 326. CTBI measures expected credit losses of financial assets on a collective (pool) basis using the discounted cash flow method when the financial assets share similar risk characteristics. Loans that do not share risk characteristics are evaluated on an individual basis. Regardless of an initial measurement method, once it is determined that foreclosure is probable, the ACL is measured based on the fair value of the collateral as of the measurement date. As a practical expedient, the fair value of the collateral may be used for a loan when determining the ACL for which the repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty. The fair value shall be adjusted for selling costs when foreclosure is probable. For collateral-dependent financial assets, the credit loss expected may be zero if the fair value less costs to sell exceed the amortized cost of the loan. Loans shall not be included in both collective assessments and individual assessments. In the event that collection of principal becomes uncertain, CTBI has policies in place to reverse accrued interest in a timely manner. Therefore, CTBI elected Accounting Standards Update ( “ASU” one We maintain an ACL at a level that is appropriate to cover estimated credit losses on individually evaluated loans, as well as estimated credit losses inherent in the remainder of the loan and lease portfolio. Credit losses are charged and recoveries are credited to the ACL. We utilize an internal risk grading system for commercial credits. Those credits that meet the following criteria are subject to individual evaluation: the loan has an outstanding bank share balance of $1 million or greater and meets one of the following criteria: (i) has a criticized risk rating, (ii) is in nonaccrual status, (iii) the borrower is experiencing financial difficulty with significant payment delay, or (iv) is 90 days or more past due. The borrower’s cash flow, adequacy of collateral coverage, and other options available to CTBI, including legal remedies, are evaluated. We evaluate the collectability of both principal and interest when assessing the need for loss provision. Historical loss rates are analyzed and applied to other commercial loan segments not subject to individual evaluation. Homogenous loans, such as consumer installment, residential mortgages, and home equity lines are not individually risk graded. The associated ACL for these loans is measured in pools with similar risk characteristics under ASC 326. When any secured commercial loan is considered uncollectable, whether past due or not, a current assessment of the value of the underlying collateral is made. If the balance of the loan exceeds the fair value of the collateral, the loan is placed on nonaccrual and the loan is charged down to the value of the collateral less estimated cost to sell. For commercial loans greater than $1 million that are categorized as individually evaluated based on the criteria listed above, a specific reserve is established if a loss is determined to be possible and then charged-off once it is probable. When the foreclosed collateral has been legally assigned to CTBI, the estimated fair value of the collateral less costs to sell is then transferred to other real estate owned or other repossessed assets, and a charge-off is taken for any remaining balance. When any unsecured commercial loan is considered uncollectable the loan is charged off no later than at 90 days past due. All closed-end consumer loans (excluding conventional 1-4 family residential loans and installment and revolving loans secured by real estate) are charged off no later than 120 days (five monthly payments) delinquent. If a loan is considered uncollectable, it is charged off earlier than 120 days delinquent. For conventional 1-4 family residential loans and installment and revolving loans secured by real estate, when a loan is 90 days past due, a current assessment of the value of the real estate is made. If the balance of the loan exceeds the fair value of the property, the loan is placed on nonaccrual. Foreclosure proceedings are normally initiated after 120 days. When the foreclosed property has been legally assigned to CTBI, the fair value less estimated costs to sell is transferred to other real estate owned and the remaining balance is taken as a charge-off. CTBI utilizes third party software and discounted cash flow loss rate methodologies for all loan segments. Within the discount cash flow calculation, an effective yield of the instrument is calculated, net of the impacts of prepayment assumptions, and the instrument expected cash flows. The expected cash flows were modeled considering probability of default and segment-specific loss given default (“LGD”) risk factors, utilizing the software’s proprietary database of financial institutions’ filings, evaluated first by geography and asset size and then with the utilization of standard deviations, to assure relevance to CTBI’s loan segments along with CTBI’s own loss history. Cash flows are then discounted at that effective yield to produce an instrument-level net present value (“NPV”) of expected cash flows. An ACL is established for the difference between the instrument’s NPV and amortized cost basis. Any changes in NPV between periods is recorded as provision for credit losses. The modeling of expected prepayment speeds, curtailment rates, and time to recovery are based on historical internal data and adjusted, if necessary, based on the reasonable and supportable forecast of economic conditions. Management incorporates qualitative factors to loss estimates used to derive CTBI’s total ACL including delinquency trends, current economic conditions and trends, strength of supervision and administration of the loan portfolio, levels of underperforming loans, underwriting exceptions, and industry concentrations. Forecast factors include gross domestic product, light weight vehicle sales, and S&P/Case-Shiller US National Home Price Index. Management continually reevaluates the other subjective factors included in our ACL analysis.
Loans Held for Sale	Loans Held for Sale –
Premises and Equipment	Premises and Equipment – Premises and equipment are stated at cost less accumulated depreciation and amortization. Premises and equipment are evaluated for impairment on a quarterly basis. Depreciation and amortization are computed primarily using the straight-line method. Estimated useful lives range up to 40 years for buildings, 2 to 10 years for furniture, fixtures, and equipment, and up to the lease term for leasehold improvements.
Federal Home Loan Bank and Federal Reserve Stock	Federal Home Loan Bank and Federal Reserve Stock – CTB is a member of the Federal Home Loan Bank (“FHLB”) system. Members are required to own a certain amount of stock based on the level of borrowings and other factors and may invest additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on the ultimate recovery par value. Both cash and stock dividends are reported as income. CTB is also a member of its regional Federal Reserve Bank. Federal Reserve Bank stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on the ultimate recovery par value. Both cash and stock dividends are reported as income.
Other Real Estate Owned	Other Real Estate Owned – When foreclosed properties are acquired, appraisals are obtained and the properties are booked at the current fair value less expected sales costs. Additionally, periodic updated appraisals are obtained on unsold foreclosed properties. When an updated appraisal reflects a fair value below the current book value, a charge is booked to current earnings to reduce the property to its new fair value less expected sales costs. Our policy for determining the frequency of periodic reviews is based upon consideration of the specific properties and the known or perceived market fluctuations in a particular market and is typically between 12 and 18 months but generally not more than 24 months. All revenues and expenses related to the carrying of other real estate owned (“OREO”) are recognized through the income statement.
Goodwill and Core Deposit Intangible	Goodwill and Core Deposit Intangible – We evaluate total goodwill and core deposit intangible for impairment, based upon ASC 350, Intangibles-Goodwill and Other The balance of goodwill, at $65.5 million, has not changed since January 1, 2015. Our core deposit intangible has been fully amortized since December 31, 2017.
Transfers of Financial Assets	Transfers of Financial Assets –
Revenue Recognition	Revenue Recognition – The majority of our revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans, letters of credit, and investment securities, as well as revenue related to our mortgage banking activities, as these activities are subject to other principles under GAAP discussed elsewhere within our disclosures. Descriptions of our revenue-generating activities that are within the scope of ASC 606, which are presented in our income statements as components of noninterest income are as follows: ● Service charges on deposit accounts represent general service fees for monthly account maintenance and activity- or transaction-based fees and consist of transaction-based revenue, time-based revenue (service period), item-based revenue, or some other individual attribute-based revenue. Revenue is recognized when our performance obligation is completed which is generally monthly for account maintenance services or when a transaction has been completed. Payment for such performance obligations is generally received at the time the performance obligations are satisfied. ● Trust and wealth management income represents monthly or quarterly fees due from wealth management customers as consideration for managing the customers’ assets. Wealth management and trust services include custody of assets, investment management, escrow services, fees for trust services, and similar fiduciary activities. Revenue is recognized when our performance obligation is completed each month or quarter, which is generally the time that payment is received. ● Brokerage revenue is either fee based and collected upon the settlement of the transaction or commission based and ● Other noninterest income primarily includes items such as letter of credit fees, gains on sale of loans held for sale, and servicing fees related to mortgage and commercial loans, none of which are subject to the requirements of ASC 606.
Advertising Expense	Advertising Expense – It is CTBI’s policy to expense advertising costs in the period in which they are incurred.
Income Taxes	Income Taxes – Income tax expense is based on the taxes due on the consolidated tax return plus deferred taxes based on the expected future tax benefits and consequences of temporary differences between carrying amounts and tax bases of assets and liabilities, using enacted tax rates. Any interest and penalties incurred in connection with income taxes are recorded as a component of income tax expense in our consolidated financial statements. During the years ended December 31, 2024, 2023, and 2022, CTBI has not recognized a significant amount of interest expense or penalties in connection with income taxes.
Earnings Per Share ("EPS")	Earnings Per Share (“EPS”) – Basic EPS is calculated by dividing net income available to common shareholders by the weighted average number of common shares outstanding, excluding restricted shares. Diluted EPS adjusts the number of weighted average shares of common stock outstanding by the dilutive effect of stock options, including restricted shares, as prescribed in ASC 718, Share-Based Payment
Segments	Segments –
Bank Owned Life Insurance	Bank Owned Life Insurance –
Mortgage Servicing Rights	Mortgage Servicing Rights – Mortgage servicing rights (“MSRs”) are carried at fair value following the accounting guidance in ASC 860-50, Servicing Assets and Liabilities Fair Value Measurements
Share-Based Compensation	Share-Based Compensation – CTBI has a share-based employee compensation plan, which is described more fully in note 14 below. CTBI accounts for this plan under the recognition and measurement principles of ASC 718, Share-Based Payment
Comprehensive Income	Comprehensive Income – Comprehensive income consists of net income and other comprehensive income, net of applicable income taxes. Other comprehensive income includes unrealized appreciation (depreciation) on AFS securities and unrealized appreciation (depreciation) on AFS securities for which a portion of an other than temporary impairment has been recognized in income.
Transfers between Fair Value Hierarchy Levels	Transfers between Fair Value Hierarchy Levels
Estimated Credit Losses on Off-Balance Sheet Credit Exposures Recognized as Other Liabilities	Estimated Credit Losses on Off-Balance Sheet Credit Exposures Recognized as Other Liabilitie – CTBI estimates expected credit losses over the contractual period in which it has exposure to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by CTBI. The ACL on off-balance sheet credit exposures recognized in other liabilities is adjusted as an expense in other noninterest expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated lives. Estimating credit losses on unfunded commitments requires CTBI to consider the following categories of off-balance sheet credit exposure: unfunded commitments to extend credit, unfunded lines of credit, and standby letters of credit. Each of these unfunded commitments is then analyzed for a probability of funding to calculate a probable funding amount. The life of loan loss factor by related portfolio segment from the loan ACL calculation is then applied to the probable funding amount to calculate the estimated credit losses on off-balance sheet credit exposures recognized as other liabilities .
New Accounting Standards	New Accounting Standards – ➢ Facilitation of the Effects of Reference Rate Reform on Financial Reporting Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848 Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting On January 27, 2023, CTBI received notice from the trustee of the trust subsidiary, that based on their review of the junior subordinated debentures and the related trust preferred securities (the “ ”) , the “LIBOR Act ”) , 2022 implementing the LIBOR Act (the “Final Regulations ” , , 2023 (the “ ”) SOFR SOFR ➢ Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions – Fair Value Measurement Topic 820: Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions Fair Value Measurement ➢ FASB Improves the Accounting for Investments in Tax Credit Structures Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method ➢ FASB Issues Improvements to Reportable Segment Disclosures Segment Reporting (Topic 280), Improvements to Reportable Segment Disclosures. ” ➢ FASB Issues Standard that Enhance Income Tax Disclosures Income Taxes (Topic 740): Improvements to Income Tax Disclosures ➢ FASB Issues Improvement to Income Statement Expense Disclosures Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses. ● Disclose the amounts of (a) purchases of inventory; (b) employee compensation; (c) depreciation; (d) intangible asset amortization; and (e) depreciation, depletion, and amortization recognized as part of oil- and gas- producing activities (or other amounts of depletion expense) included in each relevant expense caption. ● Include certain amounts that are already required to be disclosed under current GAAP in the same disclosure as the other disaggregation requirements. ● Disclose a qualitative description of the amounts remaining in relevant expense captions that are not separately disaggregated quantitatively. ● Disclose the total amount of selling expenses and, in annual reporting periods, an entity’s definition of selling expenses. The amendments in the ASU are effective for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. Early adoption is permitted. CTBI does not anticipate a significant impact to our consolidated financial statements.

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2024
Securities [Abstract]
Amortized Cost and Fair Value of Available-for-sale Securities	The amortized cost and fair value of debt securities at December 31, 2024 are summarized as follows: Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasury and government agencies $ 360,027 $ 84 $ (18,616 ) $ 341,495 State and political subdivisions 304,588 12 (51,043 ) 253,557 U.S. government sponsored agency mortgage-backed securities 471,000 131 (61,422 ) 409,709 Asset-backed securities 51,034 10 (77 ) 50,967 Total available-for-sale securities $ 1,186,649 $ 237 $ (131,158 ) $ 1,055,728 The amortized cost and fair value of debt securities at December 31, 2023 are summarized as follows: Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasury and government agencies $ 381,268 $ 121 $ (26,572 ) $ 354,817 State and political subdivisions 313,147 88 (48,290 ) 264,945 U.S. government sponsored agency mortgage-backed securities 518,836 36 (62,136 ) 456,736 Asset-backed securities 87,993 0 (767 ) 87,226 Total available-for-sale securities $ 1,301,244 $ 245 $ (137,765 ) $ 1,163,724
Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	The amortized cost and fair value of debt securities at December 31, 2024 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Available-for-Sale (in thousands) Amortized Cost Fair Value Due in one year or less $ 113,132 $ 112,391 Due after one through five years 286,927 265,720 Due after five through ten years 133,102 113,171 Due after ten years 131,454 103,770 U.S. government sponsored agency mortgage-backed securities 471,000 409,709 Asset-backed securities 51,034 50,967 Total debt securities $ 1,186,649 $ 1,055,728
Available for Sale Securities, Continuous Unrealized Loss Position	CTBI evaluates its investment portfolio on a quarterly basis for impairment. The analysis performed as of December 31, 2024 indicates that all impairment is considered temporary, market and interest rate driven, and not credit-related. The percentage of total debt securities with unrealized losses as of December 31, 2024 was 95.5% compared to 97.3% as of December 31, 2023. The following table provides the amortized cost, gross unrealized losses, and fair value, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position as of December 31, 2024 that are not deemed to have credit losses. Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 1,396 $ (2 ) $ 1,394 State and political subdivisions 14,262 (192 ) 14,070 U.S. government sponsored agency mortgage-backed securities 28,028 (994 ) 27,034 Asset-backed securities 24,545 (14 ) 24,531 Total <12 months temporarily impaired AFS securities 68,231 (1,202 ) 67,029 12 Months or More U.S. Treasury and government agencies 351,315 (18,614 ) 332,701 State and political subdivisions 288,445 (50,851 ) 237,594 U.S. government sponsored agency mortgage-backed securities 416,270 (60,428 ) 355,842 Asset-backed securities 15,579 (63 ) 15,516 Total ≥12 months temporarily impaired AFS securities 1,071,609 (129,956 ) 941,653 Total U.S. Treasury and government agencies 352,711 (18,616 ) 334,095 State and political subdivisions 302,707 (51,043 ) 251,664 U.S. government sponsored agency mortgage-backed securities 444,298 (61,422 ) 382,876 Asset-backed securities 40,124 (77 ) 40,047 Total temporarily impaired AFS securities $ 1,139,840 $ (131,158 ) $ 1,008,682 The analysis performed as of December 31, 2023 indicated that all impairment was considered temporary, market and interest rate driven, and not credit-related. The following table provides the amortized cost, gross unrealized losses, and fair value, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position as of December 31, 2023 that are not deemed to be other-than-temporarily impaired. Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 3,761 $ (5 ) $ 3,756 State and political subdivisions 16,154 (1,250 ) 14,904 U.S. government sponsored agency mortgage-backed securities 16,056 (289 ) 15,767 Asset-backed securities 0 0 0 Total <12 months temporarily impaired AFS securities 35,971 (1,544 ) 34,427 12 Months or More U.S. Treasury and government agencies 361,038 (26,567 ) 334,471 State and political subdivisions 284,397 (47,040 ) 237,357 U.S. government sponsored agency mortgage-backed securities 500,763 (61,847 ) 438,916 Asset-backed securities 87,993 (767 ) 87,226 Total ≥12 months temporarily impaired AFS securities 1,234,191 (136,221 ) 1,097,970 Total U.S. Treasury and government agencies 364,799 (26,572 ) 338,227 State and political subdivisions 300,551 (48,290 ) 252,261 U.S. government sponsored agency mortgage-backed securities 516,819 (62,136 ) 454,683 Asset-backed securities 87,993 (767 ) 87,226 Total temporarily impaired AFS securities $ 1,270,162 $ (137,765 ) $ 1,132,397

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2024
Loans [Abstract]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans	Major classifications of loans, net of unearned income, deferred loan origination costs and fees, and net premiums on acquired loans, are summarized as follows: (in thousands) December 31 2024 December 31 2023 Hotel/motel $ 458,832 $ 395,765 Commercial real estate residential 508,310 417,943 Commercial real estate nonresidential 865,031 778,637 Dealer floorplans 84,956 70,308 Commercial other 355,550 321,082 Commercial loans 2,272,679 1,983,735 Real estate mortgage 1,043,401 937,524 Home equity lines 167,425 147,036 Residential loans 1,210,826 1,084,560 Consumer direct 152,843 159,106 Consumer indirect 850,289 823,505 Consumer loans 1,003,132 982,611 Loans and lease financing $ 4,486,637 $ 4,050,906
Balance in ACL	The following tables present the balance in the ACL for the years ended December 31, 2024 and December 31, 2023. Year Ended December 31, 2024 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 4,592 $ 616 $ 0 $ 0 $ 5,208 Commercial real estate residential 4,285 1,145 0 37 5,467 Commercial real estate nonresidential 7,560 2,670 0 77 10,307 Dealer floorplans 659 23 0 0 682 Commercial other 3,760 1,048 (1,476 ) 500 3,832 Real estate mortgage 10,197 2,405 (125 ) 27 12,504 Home equity 1,367 194 (80 ) 18 1,499 Consumer direct 3,261 (69 ) (1,220 ) 249 2,221 Consumer indirect 13,862 2,919 (7,602 ) 4,069 13,248 Total $ 49,543 $ 10,951 $ (10,503 ) $ 4,977 $ 54,968 Year Ended December 31, 2023 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 5,171 $ (579 ) $ 0 $ 0 $ 4,592 Commercial real estate residential 4,894 (706 ) (28 ) 125 4,285 Commercial real estate nonresidential 9,419 (2,252 ) (294 ) 687 7,560 Dealer floorplans 1,776 (1,117 ) 0 0 659 Commercial other 5,285 (91 ) (1,900 ) 466 3,760 Real estate mortgage 7,932 2,364 (140 ) 41 10,197 Home equity 1,106 278 (23 ) 6 1,367 Consumer direct 1,694 1,804 (541 ) 304 3,261 Consumer indirect 8,704 7,110 (5,333 ) 3,381 13,862 Total $ 45,981 $ 6,811 $ (8,259 ) $ 5,010 $ 49,543
Nonaccrual Loans and Accruing Loans 90 Days Past Due Segregated by Loan Segment	Nonaccrual loans and loans 90 days past due and still accruing segregated by loan segment for December 31, 2024 and December 31, 2023 were as follows: (in thousands) December 31, 2024 Nonaccrual Loans with No ACL Nonaccrual Loans with ACL 90+ and Still Accruing Total Nonperforming Loans Commercial real estate residential $ 0 $ 1,248 $ 369 $ 1,617 Commercial real estate nonresidential 8,000 1,641 3,513 13,154 Commercial other 246 1,106 64 1,416 Total commercial loans 8,246 3,995 3,946 16,187 Real estate mortgage 0 3,748 5,072 8,820 Home equity lines 0 204 444 648 Total residential loans 0 3,952 5,516 9,468 Consumer direct 0 176 93 269 Consumer indirect 0 0 762 762 Total consumer loans 0 176 855 1,031 Loans and lease financing $ 8,246 $ 8,123 $ 10,317 $ 26,686 (in thousands) December 31, 2023 Nonaccrual Loans with No ACL Nonaccrual Loans with ACL 90+ and Still Accruing Total Nonperforming Loans Commercial real estate residential $ 0 $ 498 $ 1,059 $ 1,557 Commercial real estate nonresidential 0 680 2,270 2,950 Commercial other 236 452 162 850 Total commercial loans 236 1,630 3,491 5,357 Real estate mortgage 0 1,996 5,302 7,298 Home equity lines 0 186 557 743 Total residential loans 0 2,182 5,859 8,041 Consumer direct 0 0 15 15 Consumer indirect 0 0 555 555 Total consumer loans 0 0 570 570 Loans and lease financing $ 236 $ 3,812 $ 9,920 $ 13,968
Bank's Loan Portfolio Aging Analysis, Segregated by Loan Segment	The following tables present CTBI’s loan portfolio aging analysis, segregated by loan segment, as of December 31, 2024 and December 31, 2023 (includes loans 90 days past due and still accruing as well): (in thousands) December 31, 2024 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Past Due Current Total Loans Hotel/motel $ 0 $ 0 $ 0 $ 0 $ 458,832 $ 458,832 Commercial real estate residential 575 444 828 1,847 506,463 508,310 Commercial real estate nonresidential 1,349 118 12,890 14,357 850,674 865,031 Dealer floorplans 0 0 0 0 84,956 84,956 Commercial other 1,033 595 1,018 2,646 352,904 355,550 Total commercial loans 2,957 1,157 14,736 18,850 2,253,829 2,272,679 Real estate mortgage 654 3,304 7,998 11,956 1,031,445 1,043,401 Home equity lines 1,919 348 613 2,880 164,545 167,425 Total residential loans 2,573 3,652 8,611 14,836 1,195,990 1,210,826 Consumer direct 876 107 268 1,251 151,592 152,843 Consumer indirect 4,872 1,096 762 6,730 843,559 850,289 Total consumer loans 5,748 1,203 1,030 7,981 995,151 1,003,132 Loans and lease financing $ 11,278 $ 6,012 $ 24,377 $ 41,667 $ 4,444,970 $ 4,486,637 (in thousands) December 31, 2023 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Past Due Current Total Loans Hotel/motel $ 0 $ 0 $ 0 $ 0 $ 395,765 $ 395,765 Commercial real estate residential 1,047 275 1,525 2,847 415,096 417,943 Commercial real estate nonresidential 549 332 2,619 3,500 775,137 778,637 Dealer floorplans 0 0 0 0 70,308 70,308 Commercial other 663 494 641 1,798 319,284 321,082 Total commercial loans 2,259 1,101 4,785 8,145 1,975,590 1,983,735 Real estate mortgage 1,323 3,455 6,168 10,946 926,578 937,524 Home equity lines 911 273 707 1,891 145,145 147,036 Total residential loans 2,234 3,728 6,875 12,837 1,071,723 1,084,560 Consumer direct 1,013 118 15 1,146 157,960 159,106 Consumer indirect 4,550 1,029 555 6,134 817,371 823,505 Total consumer loans 5,563 1,147 570 7,280 975,331 982,611 Loans and lease financing $ 10,056 $ 5,976 $ 12,230 $ 28,262 $ 4,022,644 $ 4,050,906
Credit Risk Profile of the Bank's Commercial Loan Portfolio Based on Rating Category and Payment Activity, Segregated by Loan Segment	The following tables present the credit risk profile of CTBI’s commercial loan portfolio based on rating category and payment activity, segregated by loan segment and based on last credit decision or year of origination: Term Loans Amortized Cost Basis by Origination Year (in thousands) December 31 2024 2023 2022 2021 2020 Prior Revolving Loans Total Hotel/motel Risk rating: Pass $ 72,924 $ 88,016 $ 134,663 $ 27,145 $ 21,609 $ 70,311 $ 5,419 $ 420,087 Watch 0 2,062 10,822 6,570 0 13,358 0 32,812 OAEM 0 0 0 0 0 0 0 0 Substandard 1,954 0 3,979 0 0 0 0 5,933 Doubtful 0 0 0 0 0 0 0 0 Total hotel/motel 74,878 90,078 149,464 33,715 21,609 83,669 5,419 458,832 Commercial real estate residential Risk rating: Pass 162,855 94,758 78,106 60,482 24,603 37,689 21,267 479,760 Watch 5,381 3,009 1,692 3,739 1,523 5,261 58 20,663 OAEM 31 0 0 0 0 58 0 89 Substandard 1,470 609 792 531 420 3,928 48 7,798 Doubtful 0 0 0 0 0 0 0 0 Total commercial real estate residential 169,737 98,376 80,590 64,752 26,546 46,936 21,373 508,310 Commercial real estate nonresidential Risk rating: Pass 180,139 121,801 124,200 120,623 62,674 155,561 38,270 803,268 Watch 4,574 2,004 4,004 8,683 3,425 6,970 624 30,284 OAEM 0 7 12 0 0 45 0 64 Substandard 4,873 1,527 357 2,700 11,179 10,778 0 31,414 Doubtful 0 0 0 0 0 1 0 1 Total commercial real estate nonresidential 189,586 125,339 128,573 132,006 77,278 173,355 38,894 865,031 Dealer floorplans Risk rating: Pass 0 0 0 0 0 0 82,639 82,639 Watch 0 0 0 0 0 0 1,861 1,861 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 0 0 0 456 0 456 Doubtful 0 0 0 0 0 0 0 0 Total dealer floorplans 0 0 0 0 0 456 84,500 84,956 Commercial other Risk rating: Pass 83,742 43,935 38,912 25,806 25,187 19,520 79,851 316,953 Watch 1,823 877 671 295 111 533 14,739 19,049 OAEM 27 0 0 8,469 0 0 30 8,526 Substandard 2,301 4,279 2,203 299 447 162 1,331 11,022 Doubtful 0 0 0 0 0 0 0 0 Total commercial other 87,893 49,091 41,786 34,869 25,745 20,215 95,951 355,550 Commercial other current period gross charge-offs (1,148 ) (134 ) (142 ) (45 ) (2 ) (5 ) 0 (1,476 ) Commercial loans Risk rating: Pass 499,660 348,510 375,881 234,056 134,073 283,081 227,446 2,102,707 Watch 11,778 7,952 17,189 19,287 5,059 26,122 17,282 104,669 OAEM 58 7 12 8,469 0 103 30 8,679 Substandard 10,598 6,415 7,331 3,530 12,046 15,324 1,379 56,623 Doubtful 0 0 0 0 0 1 0 1 Total commercial loans $ 522,094 $ 362,884 $ 400,413 $ 265,342 $ 151,178 $ 324,631 $ 246,137 $ 2,272,679 Total commercial loans current period gross charge-offs $ (1,148 ) $ (134 ) $ (142 ) $ (45 ) $ (2 ) $ (5 ) $ 0 $ (1,476 ) Term Loans Amortized Cost Basis by Origination Year (in thousands) December 31 2023 2022 2021 2020 2019 Prior Revolving Loans Total Hotel/motel Risk rating: Pass $ 79,651 $ 144,826 $ 28,011 $ 17,664 $ 40,873 $ 42,029 $ 4,042 $ 357,096 Watch 11,569 2,826 6,835 4,623 3,361 1,648 0 30,862 OAEM 0 3,982 0 0 0 1,954 0 5,936 Substandard 0 0 0 0 0 1,118 0 1,118 Doubtful 0 0 0 0 0 753 0 753 Total hotel/motel 91,220 151,634 34,846 22,287 44,234 47,502 4,042 395,765 Commercial real estate residential Risk rating: Pass 109,304 89,119 98,896 30,972 11,908 36,964 14,700 391,863 Watch 2,317 2,131 473 1,395 721 6,359 124 13,520 OAEM 0 0 0 0 0 63 0 63 Substandard 760 854 4,532 834 285 5,232 0 12,497 Doubtful 0 0 0 0 0 0 0 0 Total commercial real estate residential 112,381 92,104 103,901 33,201 12,914 48,618 14,824 417,943 Total commercial real estate residential current period gross charge-offs 0 0 (28 ) 0 0 0 0 (28 ) Commercial real estate nonresidential Risk rating: Pass 149,633 142,580 136,090 68,240 55,850 140,074 31,536 724,003 Watch 552 3,664 6,305 2,347 1,938 6,003 354 21,163 OAEM 2,375 15 0 7,255 0 1,486 0 11,131 Substandard 2,520 1,598 2,538 4,472 2,000 9,199 0 22,327 Doubtful 0 0 0 0 0 13 0 13 Total commercial real estate nonresidential 155,080 147,857 144,933 82,314 59,788 156,775 31,890 778,637 Total commercial real estate nonresidential current period gross charge-offs 0 0 (7 ) 0 0 (287 ) 0 (294 ) Dealer floorplans Risk rating: Pass 0 0 0 0 0 0 70,308 70,308 Watch 0 0 0 0 0 0 0 0 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 0 0 0 0 0 0 Doubtful 0 0 0 0 0 0 0 0 Total dealer floorplans 0 0 0 0 0 0 70,308 70,308 Commercial other Risk rating: Pass 73,115 47,575 40,448 30,033 4,780 22,588 81,791 300,330 Watch 1,138 1,109 569 126 239 635 5,877 9,693 OAEM 29 0 0 0 0 0 30 59 Substandard 4,921 3,581 381 890 211 403 613 11,000 Doubtful 0 0 0 0 0 0 0 0 Total commercial other 79,203 52,265 41,398 31,049 5,230 23,626 88,311 321,082 Total commercial other current period gross charge-offs (725 ) (710 ) (302 ) (27 ) (90 ) (46 ) 0 (1,900 ) Commercial loans Risk rating: Pass 411,703 424,100 303,445 146,909 113,411 241,655 202,377 1,843,600 Watch 15,576 9,730 14,182 8,491 6,259 14,645 6,355 75,238 OAEM 2,404 3,997 0 7,255 0 3,503 30 17,189 Substandard 8,201 6,033 7,451 6,196 2,496 15,952 613 46,942 Doubtful 0 0 0 0 0 766 0 766 Total commercial loans $ 437,884 $ 443,860 $ 325,078 $ 168,851 $ 122,166 $ 276,521 $ 209,375 $ 1,983,735 Total commercial loans current period gross charge-offs $ (725 ) $ (710 ) $ (337 ) $ (27 ) $ (90 ) $ (333 ) $ 0 $ (2,222 )
Credit Risk Profile of Residential Real Estate and Consumer Loan Portfolio Based on Performing and Nonperforming Status Segregated by Loan Segment	The following tables present the credit risk profile of CTBI’s residential real estate and consumer loan portfolios based on performing or nonperforming status, segregated by loan segment: Term Loans Amortized Cost Basis by Origination Year (in thousands) December 31 2024 2023 2022 2021 2020 Prior Revolving Loans Total Home equity lines Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 7,121 $ 159,656 $ 166,777 Nonperforming 0 0 0 0 0 362 286 648 Total home equity lines 0 0 0 0 0 7,483 159,942 167,425 Total home equity lines current period gross charge-offs 0 0 0 0 0 (80 ) 0 (80 ) Mortgage loans Performing 197,756 192,959 140,265 146,391 107,009 250,201 0 1,034,581 Nonperforming 0 1,074 1,424 250 279 5,793 0 8,820 Total mortgage loans 197,756 194,033 141,689 146,641 107,288 255,994 0 1,043,401 Total mortgage loans current period gross charge-offs 0 0 (28 ) 0 0 (97 ) 0 (125 ) Residential loans Performing 197,756 192,959 140,265 146,391 107,009 257,322 159,656 1,201,358 Nonperforming 0 1,074 1,424 250 279 6,155 286 9,468 Total residential loans $ 197,756 $ 194,033 $ 141,689 $ 146,641 $ 107,288 $ 263,477 $ 159,942 $ 1,210,826 Total residential loans current period gross charge-offs $ 0 $ 0 $ 0 $ (28 ) $ 0 $ (177 ) $ 0 $ (205 ) Consumer direct loans Performing $ 54,745 $ 35,179 $ 21,456 $ 17,509 $ 9,839 $ 13,846 $ 0 $ 152,574 Nonperforming 7 72 190 0 0 0 0 269 Total consumer direct loans 54,752 35,251 21,646 17,509 9,839 13,846 0 152,843 Total consumer direct loans current period gross charge-offs (41 ) (314 ) (690 ) (85 ) (29 ) (61 ) 0 (1,220 ) Consumer indirect loans Performing 333,945 243,247 162,051 65,032 34,870 10,382 0 849,527 Nonperforming 117 324 218 63 40 0 0 762 Total consumer indirect loans 334,062 243,571 162,269 65,095 34,910 10,382 0 850,289 Total consumer indirect loans current period gross charge-offs (363 ) (2,760 ) (2,609 ) (1,385 ) (236 ) (249 ) 0 (7,602 ) Consumer loans Performing 388,690 278,426 183,507 82,541 44,709 24,228 0 1,002,101 Nonperforming 124 396 408 63 40 0 0 1,031 Total consumer loans $ 388,814 $ 278,822 $ 183,915 $ 82,604 $ 44,749 $ 24,228 $ 0 $ 1,003,132 Total consumer loans current period gross charge-offs $ (404 ) $ (3,074 ) $ (3,299 ) $ (1,470 ) $ (265 ) $ (310 ) $ 0 $ (8,822 ) Term Loans Amortized Cost Basis by Origination Year (in thousands) December 31 2023 2022 2021 2020 2019 Prior Revolving Loans Total Home equity lines Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 7,630 $ 138,663 $ 146,293 Nonperforming 0 0 0 0 0 442 301 743 Total home equity lines 0 0 0 0 0 8,072 138,964 147,036 Total home equity lines current period gross charge-offs 0 0 0 0 0 (23 ) 0 (23 ) Mortgage loans Performing 200,442 162,407 159,857 119,772 56,601 231,147 0 930,226 Nonperforming 0 200 151 192 533 6,222 0 7,298 Total mortgage loans 200,442 162,607 160,008 119,964 57,134 237,369 0 937,524 Total mortgage loans current period gross charge-offs 0 0 (47 ) 0 (40 ) (53 ) 0 (140 ) Residential loans Performing 200,442 162,407 159,857 119,772 56,601 238,777 138,663 1,076,519 Nonperforming 0 200 151 192 533 6,664 301 8,041 Total residential loans $ 200,442 $ 162,607 $ 160,008 $ 119,964 $ 57,134 $ 245,441 $ 138,964 $ 1,084,560 Total residential loans current period gross charge-offs $ 0 $ 0 $ (47 ) $ 0 $ (40 ) $ (76 ) $ 0 $ (163 ) Consumer direct loans Performing $ 63,686 $ 34,722 $ 26,250 $ 15,560 $ 6,951 $ 11,922 $ 0 $ 159,091 Nonperforming 0 4 11 0 0 0 0 15 Total consumer direct loans 63,686 34,726 26,261 15,560 6,951 11,922 0 159,106 Total consumer direct loans current period gross charge-offs (65 ) (263 ) (129 ) (37 ) (27 ) (20 ) 0 (541 ) Consumer indirect loans Performing 359,049 251,086 109,231 69,319 23,767 10,498 0 822,950 Nonperforming 133 223 157 11 22 9 0 555 Total consumer indirect loans 359,182 251,309 109,388 69,330 23,789 10,507 0 823,505 Total consumer indirect loans current period gross charge-offs (541 ) (2,320 ) (1,688 ) (492 ) (121 ) (171 ) 0 (5,333 ) Consumer loans Performing 422,735 285,808 135,481 84,879 30,718 22,420 0 982,041 Nonperforming 133 227 168 11 22 9 0 570 Total consumer loans $ 422,868 $ 286,035 $ 135,649 $ 84,890 $ 30,740 $ 22,429 $ 0 $ 982,611 Total consumer loans current period gross charge-offs $ (606 ) $ (2,583 ) $ (1,817 ) $ (529 ) $ (148 ) $ (191 ) $ 0 $ (5,874 )
Collateral Dependent Loans Evaluated Individually by Segment	In accordance with ASC 326-20-30-2, if a loan does not share risk characteristics with other pooled loans in determining the ACL, the loan shall be evaluated for expected credit losses on an individual basis. Of the loans that CTBI has individually evaluated, the loans listed below by segment are those that are collateral dependent: (in thousands) December 31, 2024 Number of Loans Recorded Investment Specific Reserve Hotel/motel 2 $ 5,555 $ 0 Commercial real estate residential 0 0 0 Commercial real estate nonresidential 8 27,087 325 Commercial other 3 12,963 0 Total collateral dependent loans 13 $ 45,605 $ 325 (in thousands) December 31, 2023 Number of Loans Recorded Investment Specific Reserve Hotel/motel 3 $ 6,810 $ 0 Commercial real estate residential 2 5,080 0 Commercial real estate nonresidential 9 21,637 250 Commercial other 2 5,658 0 Total collateral dependent loans 16 $ 39,185 $ 250
Modified Loans Segregated by Loan Segment and Concession Granted	Certain loans have been modified where the customer is facing financial difficulty and economic concessions were granted to borrowers consisting of reductions in the interest rates, payment extensions, forgiveness of principal, and forbearances. These loans, segregated by loan segment and concession granted, are presented below for the year ended December 31, 2024: Amortized Cost at December 31, 2024 (in thousands) Interest Rate Reduction % of total Term Extension % of total Hotel/motel $ 0 0.00 % $ 1,954 0.43 % Commercial real estate residential 0 0.00 585 0.12 Commercial real estate nonresidential 7,545 0.87 0 0.00 Dealer floorplans 0 0.00 456 0.54 Commercial other 0 0.00 1,344 0.38 Commercial loans 7,545 0.33 4,339 0.19 Real estate mortgage 1,916 0.18 8,756 0.84 Home equity lines 0 0.00 31 0.02 Residential loans 1,916 0.16 8,787 0.73 Consumer direct 0 0.00 119 0.08 Consumer indirect 0 0.00 311 0.04 Consumer loans 0 0.00 430 0.04 Loans and lease financing $ 9,461 0.21 % $ 13,556 0.30 % Amortized Cost at December 31, 2024 (in thousands) Combination – Term Extension and Interest Rate Reduction % of total Payment Change % of total Hotel/motel $ 0 0.00 % $ 0 0.00 % Commercial real estate residential 12 0.00 1,036 0.20 Commercial real estate nonresidential 26 0.00 290 0.03 Dealer floorplans 0 0.00 0 0.00 Commercial other 207 0.06 1,333 0.37 Commercial loans 245 0.01 2,659 0.12 Real estate mortgage 865 0.08 0 0.00 Home equity lines 182 0.11 0 0.00 Residential loans 1,047 0.09 0 0.00 Consumer direct 0 0.00 5 0.00 Consumer indirect 0 0.00 62 0.01 Consumer loans 0 0.00 67 0.01 Loans and lease financing $ 1,292 0.03 % $ 2,726 0.06 % These loans, segregated by loan segment and concession granted, are presented below for the year ended December 31, 2023: Amortized Cost at December 31, 2023 (in thousands) Interest Rate Reduction % of total Term Extension % of total Hotel/motel $ 0 0.00 % $ 0 0.00 % Commercial real estate residential 534 0.13 1,788 0.43 Commercial real estate nonresidential 4,504 0.58 5,342 0.69 Dealer floorplans 0 0.00 0 0.00 Commercial other 0 0.00 6,025 1.88 Commercial loans 5,038 0.25 13,155 0.66 Real estate mortgage 581 0.06 5,431 0.58 Home equity lines 0 0.00 246 0.17 Residential loans 581 0.05 5,677 0.52 Consumer direct 0 0.00 165 0.10 Consumer indirect 0 0.00 334 0.04 Consumer loans 0 0.00 499 0.05 Loans and lease financing $ 5,619 0.14 % $ 19,331 0.48 % Amortized Cost of December 31, 2023 (in thousands) Combination – Term Extension and Interest Rate Reduction % of total Payment Change % of total Hotel/motel $ 0 0.00 % $ 1,955 0.49 % Commercial real estate residential 0 0.00 218 0.05 Commercial real estate nonresidential 0 0.00 0 0.00 Dealer floorplans 0 0.00 0 0.00 Commercial other 29 0.01 288 0.09 Commercial loans 29 0.00 2,461 0.01 Real estate mortgage 1,101 0.12 0 0.00 Home equity lines 125 0.09 42 0.03 Residential loans 1,226 0.11 42 0.00 Consumer direct 0 0.00 18 0.01 Consumer indirect 0 0.00 0 0.00 Consumer loans 0 0.00 18 0.00 Loans and lease financing $ 1,255 0.03 % $ 2,521 0.06 %
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty	The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the year ended December 31, 2024: Loan Type Interest Rate Reduction Financial Impact Term Extension Financial Impact Hotel/motel Added a weighted-average 5.0 years to life of the loans Commercial real estate residential Added a weighted-average 0.8 years to life of the loans Commercial real estate nonresidential Reduced weighted-average contractual interest rate from 1.4% to 1.3% Dealer floorplans Added a weighted-average 0.1 years to life of the loans Commercial other Added a weighted-average 0.3 years to life of the loans Real estate mortgage Reduced weighted-average contractual interest rate from 7.7% to 4.6% Added a weighted-average 0.7 years to life of the loans Home equity lines Added a weighted-average 0.5 years to life of the loans Consumer direct Added Consumer indirect Added a weighted-average 0.8 years to life of the loans Loan Type Combination – Term Extension and Interest Rate Reduction Financial Impact Payment Changes Financial Impact Hotel/motel Commercial real estate residential Weighted-average contractual interest rate remained at 8.5% and increased the weighted-average life by 4.0 years Provided payment changes that will be added to the end of the original loan term Commercial real estate nonresidential Increased weighted-average contractual interest rate from 6.0% to 8.5% and increased the weighted-average life by 10.3 years Provided payment changes that will be added to the end of the original loan term Dealer floorplans Commercial other Increased weighted-average contractual interest rate from 5.3% to 8.5% and increased the weighted-average life by 12.2 years Provided payment changes that will be added to the end of the original loan term Real estate mortgage Reduced weighted-average contractual interest rate from 6.0% to 3.6% and increased the weighted-average life by 3.5 years Home equity lines Reduced weighted-average contractual interest rate from 9.2% to 8.3% and increased the weighted-average life by 9.7 years Consumer direct Provided payment changes that will be added to the end of the original loan term Consumer indirect Provided payment changes that will be added to the end of the original loan term The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the year ended December 31, 2023: Loan Type Interest Rate Reduction Financial Impact Term Extension Financial Impact Hotel/motel Commercial real estate residential Reduced weighted-average contractual interest rate from 9.5% to 7.8% Added a weighted-average 0.5 years to life of the loans Commercial real estate nonresidential Reduced weighted-average contractual interest rate from 9.5% to 7.5% Added a weighted-average 0.1 years to life of the loans Dealer floorplans Commercial other Added a weighted-average 3.0 years to life of the loans Real estate mortgage Reduced weighted-average contractual interest rate from 7.0% to 4.4% Added a weighted-average 2.8 years to life of the loans Home equity lines Added a weighted-average 6.1 years to life of the loans Consumer direct Removed a weighted-average 0.8 years to life of the loans Consumer indirect Added a weighted-average 0.3 years to life of the loans Loan Type Combination – Term Extension and Interest Rate Reduction Financial Impact Payment Changes Financial Impact Hotel/motel Provided payment changes that will be added to the end of the original loan term Commercial real estate residential Provided payment changes that will be added to the end of the original loan term Commercial real estate nonresidential Dealer floorplans Commercial other Reduced weighted-average contractual interest rate from 12.8% to 11.3% and increased the weighted-average life by 2.9 years Provided payment changes that will be added to the end of the original loan term Real estate mortgage Reduced weighted-average contractual interest rate from 6.3% to 5.8% and increased the weighted-average life by 12.2 years Home equity lines Reduced weighted-average contractual interest rate from 9.4% to 8.1% and increased the weighted-average life by 9.3 years Provided payment changes that will be added to the end of the original loan term Consumer direct Provided payment changes that will be added to the end of the original loan term Consumer indirect
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty	The table below represents the payment status of loans to borrowers experiencing financial difficulty for the past 12 months as of December 31, 2024. Past Due Status (Amortized Cost Basis) (in thousands) Current 30-89 Days 90+ Days Nonaccrual Hotel/motel $ 1,954 $ 0 $ 0 $ 0 Commercial real estate residential 885 0 0 748 Commercial real estate nonresidential 7,862 0 0 0 Dealer floorplans 456 0 0 0 Commercial other 2,329 518 31 5 Real estate mortgage 10,258 460 654 165 Home equity lines 181 32 0 0 Consumer direct 120 3 0 0 Consumer indirect 307 67 0 0 Total $ 24,352 $ 1,080 $ 685 $ 918 The table below represents the payment status of loans to borrowers experiencing financial difficulty for the past 12 months as of December 31, 2023. Past Due Status (Amortized Cost Basis) (in thousands) Current 30-89 Days 90+ Days Nonaccrual Hotel/motel $ 1,955 $ 0 $ 0 $ 0 Commercial real estate residential 2,128 412 0 0 Commercial real estate nonresidential 9,846 0 0 0 Dealer floorplans 0 0 0 0 Commercial other 5,683 371 0 287 Real estate mortgage 6,382 0 361 370 Home equity lines 361 0 32 21 Consumer direct 159 24 0 0 Consumer indirect 303 31 0 0 Total $ 26,817 $ 838 $ 393 $ 678
Loans to Borrowers Experiencing Financial Difficulty That Subsequently Defaulted	The allowance for credit losses may be increased, adjustments may be made in the allocation of the allowance, or partial charge-offs may be taken to further write-down the carrying value of the loan. During the year ended December 31, 2024, there were 10 loans to borrowers experiencing financial difficulty that subsequently defaulted. CTBI considers a loan in default when it is 90 days or more past due or transferred to nonaccrual. Presented below, segregated by segment, are loans to borrowers experiencing financial difficulty for which there was a payment default during the periods indicated and such default was within 12 months of the loan modification. Year Ended December 31, 2024 (in thousands) Number of Loans Recorded Balance Commercial: Commercial other 4 $ 305 Residential: Real estate mortgage 6 847 Total loans experiencing financial difficulty 10 $ 1,152 Year Ended December 31, 2023 (in thousands) Number of Loans Recorded Balance Residential: Real estate mortgage 2 $ 751 Total loans experiencing financial difficulty 2 $ 751

Mortgage Banking and Servicin_2

Mortgage Banking and Servicing Rights (Tables)	12 Months Ended
	Dec. 31, 2024
Mortgage Banking and Servicing Rights [Abstract]
Components of Mortgage Banking Income	Mortgage banking activities primarily include residential mortgage originations and servicing. As discussed in note 1 above, MSRs are carried at fair market value. The following table presents the components of mortgage banking income: (in thousands) Year Ended December 31 2024 2023 2022 Net gain on sale of mortgage loans held for sale $ 294 $ 395 $ 1,525 Net loan servicing income: Servicing fees 1,946 2,080 2,226 Late fees 60 81 78 Ancillary fees 43 36 94 Fair value adjustments (431 ) (965 ) 1,069 Net loan servicing income 1,618 1,232 3,467 Mortgage banking income $ 1,912 $ 1,627 $ 4,992
Activity for Capitalized MSRs Using Fair Value Method	Activity for capitalized MSRs using the fair value method is as follows: (in thousands) 2024 2023 2022 Fair value of MSRs, beginning of year $ 7,665 $ 8,468 $ 6,774 New servicing assets created 123 162 625 Change in fair value during the year due to: Time decay (1) (428 ) (430 ) (450 ) Payoffs (2) (315 ) (347 ) (429 ) Changes in valuation inputs or assumptions (3) 312 (188 ) 1,948 Fair value of MSRs, end of year $ 7,357 $ 7,665 $ 8,468 (1) Represents decrease in value due to regularly scheduled loan principal payments and partial loan paydowns. (2) Represents decrease in value due to loans that paid off during the period. (3) Represents change in value resulting from market-driven changes in interest rates.

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2024
Related Party Transactions [Abstract]
Activity for Related Party Transactions	Activity for related party extensions of credit during 2024 and 2023 is as follows: (in thousands) 2024 2023 Related party extensions of credit, beginning of year $ 35,315 $ 42,067 New loans and advances on lines of credit 0 980 Repayments (1,022 ) (7,502 ) Decrease due to changes in related parties (5,136 ) (230 ) Related party extensions of credit, end of year $ 29,157 $ 35,315

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2024
Premises and Equipment [Abstract]
Premises and Equipment	Premises and equipment are summarized as follows: (in thousands) December 31 2024 2023 Land and buildings $ 88,859 $ 82,929 Leasehold improvements 5,068 4,858 Furniture, fixtures, and equipment 41,413 39,695 Construction in progress 2,392 2,790 Total premises and equipment 137,732 130,272 Less accumulated depreciation and amortization (88,102 ) (84,961 ) Premises and equipment, net $ 49,630 $ 45,311

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	12 Months Ended
	Dec. 31, 2024
Other Real Estate Owned [Abstract]
Activity for Other Real Estate Owned	Activity for OREO was as follows: (in thousands) 2024 2023 Beginning balance of other real estate owned $ 1,616 $ 3,671 New assets acquired 3,160 658 Capitalized costs 13 47 Fair value adjustments (105 ) (211 ) Sale of assets (1,037 ) (2,549 ) Ending balance of other real estate owned $ 3,647 $ 1,616
Major Classifications of Foreclosed Properties	The major classifications of foreclosed properties are shown in the following table: (in thousands) December 31 2024 2023 1-4 family $ 806 $ 827 Construction/land development/other 395 383 Multifamily 0 0 Non-farm/non-residential 2,446 406 Total foreclosed properties $ 3,647 $ 1,616

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
Major Classifications of Deposits	Major classifications of deposits are categorized as follows: (in thousands) December 31 2024 2023 Noninterest bearing deposits $ 1,242,676 $ 1,260,690 Interest bearing demand deposits 167,736 123,927 Money market deposits 1,781,415 1,525,537 Savings 511,378 535,063 Certificates of deposit and other time deposits of $100,000 or more 862,671 766,691 Certificates of deposit and other time deposits less than $100,000 504,313 512,714 Total deposits $ 5,070,189 $ 4,724,622
Maturities of Certificates of Deposits and Other Time Deposits	Maturities of certificates of deposits and other time deposits are presented below: Maturities by Period at December 31, 2024 (in thousands) Total Within 1 Year 2 Years 3 Years 4 Years 5 Years After 5 Years Certificates of deposit and other time deposits of $100,000 or more $ 862,671 $ 811,154 $ 26,051 $ 5,824 $ 12,319 $ 7,323 $ 0 Certificates of deposit and other time deposits less than $100,000 504,313 459,960 21,069 10,041 5,871 7,059 313 Total maturities $ 1,366,984 $ 1,271,114 $ 47,120 $ 15,865 $ 18,190 $ 14,382 $ 313

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2024
Borrowings [Abstract]
Short-term Debt	Short-term debt is categorized as follows: (in thousands) December 31 2024 2023 Repurchase agreements $ 240,166 $ 225,245 Federal funds purchased 500 500 Total short-term debt $ 240,666 $ 225,745
Long-term Debt	Long-term debt is categorized as follows: (in thousands) December 31 2024 2023 Junior subordinated debentures, 6.35 6/1/37 $ 57,841 $ 57,841 Loan related borrowings, 3.25 9/17/44 6,175 6,400 Total long-term debt $ 64,016 $ 64,241

Repurchase Agreements (Tables)

Repurchase Agreements (Tables)	12 Months Ended
	Dec. 31, 2024
Repurchase Agreements [Abstract]
Remaining Contractual Maturity of Securities Sold Under Agreements to Repurchase by Class of Collateral Pledged	The remaining contractual maturity of the securities sold under agreements to repurchase by class of collateral pledged included in the accompanying consolidated balance sheets as of December 31, 2024 and December 31, 2023 is presented in the following tables: December 31, 2024 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Continuous Up to 30 days 30-90 days Greater Than 90 days Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 23,240 $ 11 $ 7,657 $ 25,482 $ 56,390 State and political subdivisions 108,775 489 7,288 3,700 120,252 U.S. government sponsored agency mortgage-backed securities 17,756 0 34,355 7,091 59,202 Asset-backed securities 4,322 0 0 0 4,322 Total $ 154,093 $ 500 $ 49,300 $ 36,273 $ 240,166 December 31, 2023 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Continuous Up to 30 days 30-90 days Greater Than 90 days Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 21,156 $ 19 $ 1,817 $ 23,640 $ 46,632 State and political subdivisions 98,053 481 5,962 3,219 107,715 U.S. government sponsored agency mortgage-backed securities 17,538 0 41,521 9,269 68,328 Asset-backed securities 2,570 0 0 0 2,570 Total $ 139,317 $ 500 $ 49,300 $ 36,128 $ 225,245

Advances from Federal Home Lo_2

Advances from Federal Home Loan Bank (Tables)	12 Months Ended
	Dec. 31, 2024
Advances from Federal Home Loan Bank [Abstract]
Federal Home Loan Bank Advances	FHLB advances consisted of the following monthly amortizing borrowings at December 31: (in thousands) 2024 2023 Monthly amortizing $ 314 $ 334 Total FHLB advances $ 314 $ 334
Advances from Federal Home Loan Bank Requiring Monthly Principal Payment Basis	The advances from the FHLB that require monthly principal payments were due for repayment as follows: Principal Payments Due by Period at December 31, 2024 (in thousands) Total Within 1 Year 2 Years 3 Years 4 Years 5 Years After 5 Years Outstanding advances, weighted average interest rate – 0.04 $ 314 $ 22 $ 20 $ 21 $ 20 $ 20 $ 211

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2024
Income Taxes [Abstract]
Components of Provision for Income Taxes	The components of the provision for income taxes, exclusive of tax effect of unrealized AFS securities gains and losses, are as follows: (in thousands) 2024 2023 2022 Current federal income tax expense $ 19,746 $ 14,954 $ 14,882 Current state income tax expense 5,859 4,901 1,096 Deferred federal income tax expense (benefit) (1,452 ) 382 194 Deferred state income tax expense (benefit) (280 ) 327 3,056 Total income tax expense $ 23,873 $ 20,564 $ 19,228
Reconciliation of Income Tax Expense at Statutory Rate to Actual Income Tax Expense	A reconciliation of income tax expense at the statutory rate to our actual income tax expense is shown below: (in thousands) 2024 2023 2022 Computed at the statutory rate $ 22,404 21.00 % $ 20,699 21.00 % $ 21,219 21.00 % Adjustments resulting from: Tax-exempt interest (353 ) (0.33 ) (637 ) (0.65 ) (717 ) (0.70 ) Housing and new markets credits (1,292 ) (1.21 ) (3,205 ) (3.25 ) (3,105 ) (3.07 ) Bank owned life insurance (831 ) (0.78 ) (496 ) (0.50 ) (367 ) (0.36 ) ESOP dividend deduction (276 ) (0.26 ) (259 ) (0.26 ) (240 ) (0.24 ) Stock option exercises and restricted stock vesting (73 ) (0.07 ) (8 ) (0.01 ) (1 ) 0.00 State income taxes 4,407 4.13 4,131 4.19 3,281 3.25 Split dollar life insurance 58 0.06 126 0.13 (184 ) (0.19 ) Other (171 ) (0.16 ) 213 0.21 (658 ) (0.66 ) Total $ 23,873 22.38 % $ 20,564 20.86 % $ 19,228 19.03 %
Components of Net Deferred Tax Asset	The components of the net deferred tax asset as of December 31 are as follows: (in thousands) 2024 2023 Deferred tax assets: Allowance for credit losses $ 13,715 $ 12,361 Interest on nonaccrual loans 451 277 Accrued expenses 2,150 1,633 Unrealized losses on AFS securities 32,665 34,311 Allowance for other real estate owned 22 49 Lease liabilities 3,790 4,090 Limited partnership investments 78 Other 937 790 Total deferred tax assets 53,808 53,511 Deferred tax liabilities: Depreciation and amortization (15,207 ) (14,927 ) FHLB stock dividends (12 ) (341 ) Loan fee income (1,888 ) (1,519 ) Mortgage servicing rights (1,836 ) (1,912 ) Limited partnership investments 0 (843 ) Right of use assets (3,589 ) (3,918 ) Other (2,211 ) (1,910 ) Total deferred tax liabilities (24,743 ) (25,370 ) Net deferred tax asset $ 29,065 $ 28,141
Schedule of Unfunded Commitments	Of the amount outstanding, the contribution schedule is as follows: (in thousands) Amount due in: Unfunded Commitments 2025 $ 2,682 2026 995 2027 146 2028 146 2029 143 After 365

Employee Benefits (Tables)

Employee Benefits (Tables)	12 Months Ended
	Dec. 31, 2024
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule of Shares to be Issued and Remaining Shares Available for Future Issuance	The following table provides detail of the number of shares to be issued upon exercise of outstanding stock-based awards and remaining shares available for future issuance under all of CTBI’s equity compensation plans as of December 31, 2024: Plan Category (shares in thousands) Number of Shares to Be Issued Upon Exercise Weighted Average Price Shares Available for Future Issuance Equity compensation plans approved by shareholders: Stock options 0 0 336 (a) Restricted stock (c) (b) (a) Performance units (d) (b) (a) Stock appreciation rights (“SARs”) (e) (b) (a) Total 336 (a) Under the 2025 Plan, which became effective February 1, 2025,550,000 shares are authorized for issuance; no shares have been issued as of December 31, 2024. The maximum number of stock options that may be granted to a participant during any calendar year is 100,000 shares. Under the 2015 Plan, 550,000 shares were authorized for issuance; 221,949 had been issued as of December 31, 2024. In January of 2016, 18,069 restricted stock shares were issued under the terms of the 2015 Plan pursuant to awards granted under the 2006 Plan. The 2015 Plan was rendered inactive on February 1, 2025. (b) Not applicable. (c) The maximum number of shares of restricted stock that may be granted is 550,000 shares, and the maximum that may be granted to a participant during any calendar year is 75,000 shares. (d) No performance units payable in stock had been issued as of December 31, 2024. The maximum payment that can be made pursuant to performance units granted to any one participant in any calendar year is $1,000,000. (e) No SARS have been issued. The maximum number of shares with respect to which SARs may be granted to a participant during any calendar year is 100,000 shares.
Unrecognized Compensation Cost, Grant-Date Fair Value of Shares Vested, Cash Received from Option Exercises and Actual Tax Benefit Realized for Tax Deductions from Option Exercises	The following table shows the unrecognized compensation cost related to nonvested share-based compensation arrangements granted under the plans at December 31, 2024, 2023, and 2022 and the total grant-date fair value of shares vested, cash received from option exercises under all share-based payment arrangements, and the actual tax benefit realized for the tax deductions from option exercises of the share-based payment arrangements for the years ended December 31, 2024, 2023, and 2022. (in thousands) 2024 2023 2022 Unrecognized compensation cost of nonvested share-based compensation arrangements granted under the plan at year-end $ 2,277 $ 2,954 $ 2,108 Total fair value of shares vested for the year 954 974 1,306 Cash received from option exercises under all share-based payment arrangements for the year 645 0 0 Tax benefit realized for the tax deductions from option exercises of the share-based payment arrangements for the year 84 0 0
2015 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule of Shares to be Issued and Remaining Shares Available for Future Issuance	The following table details the shares available for future issuance under the 2015 Plan at December 31, 2024. Plan Category Shares Available for Future Issuance Shares available at January 1, 2024 348,146 Stock option grants 0 Restricted stock grants (15,000 ) Forfeitures 2,437 Shares available for future issuance at December 31, 335,583
Schedule of Restricted Stock Activity	The following table shows restricted stock activity for the 2015 Plan for the years ended December 31, 2024, 2023, and 2022: December 31 2024 2023 2022 Grants Weighted Average Fair Value at Grant Grants Weighted Average Fair Value at Grant Grants Weighted Average Fair Value at Grant Outstanding at beginning of year 96,840 $ 43.75 68,137 $ 44.13 47,063 $ 42.90 Granted 15,000 41.29 52,865 43.10 50,438 45.15 Vested (22,831 ) 43.37 (23,372 ) 43.32 (29,364 ) 43.92 Forfeited (2,437 ) 42.87 (790 ) 44.87 0 - Outstanding at end of year 86,572 $ 43.45 96,840 $ 43.75 68,137 $ 44.13
2006 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule of Stock Option Activity	CTBI’s stock option activity for the 2006 Plan for the years ended December 31, 2024, 2023, and 2022 is summarized as follows: December 31 2024 2023 2022 Options Weighted Average Exercise Price Options Weighted Average Exercise Price Options Weighted Average Exercise Price Outstanding at beginning of year 20,000 $ 32.27 20,000 $ 32.27 20,000 $ 32.27 Exercised 20,000 32.27 0 0 0 0 Outstanding at end of year 0 $ 0.00 20,000 $ 32.27 20,000 $ 32.27 Exercisable at end of year 0 $ 0.00 20,000 $ 32.27 20,000 $ 32.27
Schedule of Intrinsic Values of Options Exercised, Exercisable, and Outstanding	The following table shows the intrinsic values of options exercised, exercisable, and outstanding for the 2006 Plan for the years ended December 31, 2024, 2023, and 2022: (in thousands) 2024 2023 2022 Options exercised $ 335 $ 0 $ 0 Options exercisable 0 232 273 Outstanding options 0 232 273

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Components of Lease Expense	The components of lease expense for the years ended December 31, 2024 and 2023 were as follows: (in thousands) Year Ended December 31, 2024 Year Ended December 31, 2023 Finance lease cost: Amortization of right-of-use assets – finance leases $ 124 $ 166 Interest on lease liabilities – finance leases 158 118 Total finance lease cost 282 284 Short-term lease cost 98 92 Operating lease cost 1,880 1,888 Total lease cost 2,260 2,264 Sublease income (282 ) (273 ) Net lease cost $ 1,978 $ 1,991
Supplemental Cash Flow Information Related to Operating and Finance Leases	Supplemental cash flow information related to CTBI’s operating and finance leases for the years ended December 31, 2024 and 2023 was as follows: (in thousands) Year Ended December 31, 2024 Year Ended December 31, 2023 Finance lease – operating cash flows $ 130 $ 128 Finance lease – financing cash flows $ 0 $ 33 Operating lease – operating cash flows (fixed payments) $ 1,893 $ 1,889 Operating lease – operating cash flows (liability reduction) $ 1,495 $ 1,455 New right-of-use assets – operating leases $ 0 $ 358 New right-of-use assets – finance leases $ 0 $ 0 Weighted average lease term – financing leases 25.16 years 26.12 years Weighted average lease term – operating leases 13.13 years 13.20 years Weighted average discount rate – financing leases 4.91 % 4.90 % Weighted average discount rate – operating leases 3.57 % 3.56 %
Maturities of Lease Liabilities	Maturities of lease liabilities as of December 31, 2024 are as follows: (in thousands) Operating Leases Finance Leases 2025 $ 1,790 $ 157 2026 1,782 167 2027 1,672 174 2028 1,314 179 2029 826 183 Thereafter 7,535 5,887 Total lease payments 14,919 6,747 Less imputed interest (3,168 ) (3,308 ) Total $ 11,751 $ 3,439 Maturities of lease liabilities as of December 31, 2023 are as follows: (in thousands) Operating Leases Finance Leases 2024 $ 1,877 $ 154 2025 1,782 159 2026 1,774 170 2027 1,656 174 2028 1,257 179 Thereafter 8,137 6,070 Total lease payments 16,483 6,906 Less imputed interest (3,525 ) (3,471 ) Total $ 12,958 $ 3,435

Fair Value of Financial Asset_2

Fair Value of Financial Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2024
Fair Value of Financial Assets and Liabilities [Abstract]
Fair Value Measurements of Assets Measured on Recurring Basis	The following tables present the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a recurring basis as of December 31, 2024 and December 31, 2023 and indicate the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at December 31, 2024 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – recurring basis Available-for-sale securities: U.S. Treasury and government agencies $ 341,495 $ 328,569 $ 12,926 $ 0 State and political subdivisions 253,557 0 253,557 0 U.S. government sponsored agenc y mortgage-backed securities 409,709 0 409,709 0 Asset-backed securities 50,967 0 50,967 0 Equity securities at fair value 3,781 0 0 3,781 Mortgage servicing rights 7,357 0 0 7,357 Fair Value Measurements at December 31, 2023 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – recurring basis Available-for-sale securities: U.S. Treasury and government agencies $ 354,817 $ 336,285 $ 18,532 $ 0 State and political subdivisions 264,945 0 264,945 0 U.S. government sponsored agenc y mortgage-backed securities 456,736 0 456,736 0 Asset-backed securities 87,226 0 87,226 0 Equity securities at fair value 3,158 0 0 3,158 Mortgage servicing rights 7,665 0 0 7,665
Reconciliation of the Beginning and Ending Balance of Recurring Fair Value Measurements Using Significant Unobservable (Level 3) Inputs	Following is a reconciliation of the beginning and ending balances of recurring fair value measurements, for the periods indicated, using significant unobservable (Level 3) inputs: 2024 2023 (in thousands) Equity Securities at Fair Value Mortgage Servicing Rights Equity Securities at Fair Value Mortgage Servicing Rights Beginning balance $ 3,158 $ 7,665 $ 2,166 $ 8,468 Total unrealized gains (losses) Included in net income 623 312 992 (188 ) Issues 0 123 0 162 Settlements 0 (743 ) 0 (777 ) Ending balance $ 3,781 $ 7,357 $ 3,158 $ 7,665 Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date $ 623 $ 312 $ 992 $ (188 )
Realized and Unrealized Gains and Losses for Items Included in Net Income in the Consolidated Statements of Income	Realized and unrealized gains and losses for items reflected in the table above are included in net income in the consolidated statements of income as follows: Noninterest Income (in thousands) 2024 2023 Total gains $ 192 $ 27
Fair Value Measurements of Assets Measured on Nonrecurring Basis	The following tables present the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a nonrecurring basis as of December 31, 2024 and December 31, 2023 and indicate the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at December 31, 2024 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – nonrecurring basis Collateral dependent loans $ 8,310 $ 0 $ 0 $ 8,310 Other real estate owned 731 0 0 731 Fair Value Measurements at December 31, 2023 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – nonrecurring basis Collateral dependent loans $ 8,397 $ 0 $ 0 $ 8,397 Other real estate owned 205 0 0 205
Quantitative Information about Unobservable Inputs Used in Recurring and Nonrecurring Level 3 Fair Value Measurements	The following tables present quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements at December 31, 2024 and December 31, 2023. Quantitative Information about Level 3 Fair Value Measurements (in thousands) Fair Value at December 31, 2024 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $ 3,781 Discount cash flows, computer pricing model Discount rate 8.0% - 12.0% (10.0%) Conversion date Dec 2025 Dec 2029 ( Dec 2027 Mortgage servicing rights $ 7,357 Discount cash flows, computer pricing model Constant prepayment rate 0.0% - 21.2% (6.6%) Probability of default 0.0% - 100.0% (1.7%) Discount rate 9.5% - 12.3% (10.1%) Collateral-dependent loans $ 8,310 Market comparable properties Marketability discount 11.5% - 18.9% (12.6%) Other real estate owned $ 731 Market comparable properties Comparability adjustments 10.0% - 58.53% (42.2%) Quantitative Information about Level 3 Fair Value Measurements (in thousands) Fair Value at December 31, 2023 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $ 3,158 Discount cash flows, computer pricing model Discount rate 15.0% - 25.0% (20.0%) Conversion date Dec 2028 Dec 2032 ( Dec 2030 Mortgage servicing rights $ 7,665 Discount cash flows, computer pricing model Constant prepayment rate 0.0% - 77.6% (7.5%) Probability of default 0.0% - 66.7% (1.0%) Discount rate 9.5% - 12.0% (10.0%) Collateral-dependent loans $ 8,397 Market comparable properties Marketability discount 10.9% - 19.6% (12.2%) Other real estate owned $ 205 Market comparable properties Comparability adjustments 10.0% - 23.9% (17.5%)
Fair Value of Financial Instruments and Levels within Fair Value Hierarchy of Valuation Techniques	The following table presents estimated fair value of CTBI’s financial instruments as of December 31, 2024 and indicates the level within the fair value hierarchy of the valuation techniques. In accordance with the adoption of ASU 2016-01, the fair values as of December 31, 2024 were measured using an exit price notion. Fair Value Measurements at December 31, 2024 Using (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Financial assets: Cash and cash equivalents $ 369,505 $ 369,505 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 1,055,728 328,569 727,159 0 Equity securities at fair value 3,781 0 0 3,781 Loans held for sale 184 188 0 0 Loans, net 4,431,669 0 0 4,166,636 Federal Home Loan Bank stock 5,062 0 5,062 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 24,758 0 24,758 0 Financial liabilities: Deposits $ 5,070,189 $ 1,242,676 $ 3,598,253 $ 0 Repurchase agreements 240,166 0 0 240,213 Federal funds purchased 500 0 500 0 Advances from Federal Home Loan Bank 314 0 322 0 Long-term debt 64,016 0 0 52,394 Accrued interest payable 8,378 0 8,378 0 Unrecognized financial instruments: Letters of credit $ 0 $ 0 $ 0 $ 0 Commitments to extend credit 0 0 0 0 Forward sale commitments 0 0 0 0 The following table presents estimated fair value of CTBI’s financial instruments as of December 31, 2023 and indicates the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at December 31, 2023 Using (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Financial assets: Cash and cash equivalents $ 271,400 $ 271,400 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 1,163,724 336,285 827,439 0 Equity securities at fair value 3,158 0 0 3,158 Loans held for sale 152 154 0 0 Loans, net 4,001,363 0 0 3,745,477 Federal Home Loan Bank stock 4,712 0 4,712 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 23,575 0 23,575 0 Financial liabilities: Deposits $ 4,724,622 $ 1,260,690 $ 3,480,806 $ 0 Repurchase agreements 225,245 0 0 225,187 Federal funds purchased 500 0 500 0 Advances from Federal Home Loan Bank 334 0 349 0 Long-term debt 64,241 0 0 50,326 Accrued interest payable 7,389 0 7,389 0 Unrecognized financial instruments: Letters of credit $ 0 $ 0 $ 0 $ 0 Commitments to extend credit 0 0 0 0 Forward sale commitments 0 0 0 0

Off-Balance Sheet Transaction_2

Off-Balance Sheet Transactions and Guarantees (Tables)	12 Months Ended
	Dec. 31, 2024
Off-Balance Sheet Transactions and Guarantees [Abstract]
Off-Balance Sheet Financial Instruments	At December 31, 2024 and 2023, CTBI had the following off-balance sheet financial instruments, whose approximate contract amounts represent additional credit risk to CTBI: (in thousands) 2024 2023 Standby letters of credit $ 38,796 $ 38,861 Commitments to extend credit 902,437 997,158 Total off-balance sheet financial instruments $ 941,233 $ 1,036,019

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2024
Regulatory Matters [Abstract]
Capital Amounts and Ratios	Consolidated Capital Ratios Actual For Capital Adequacy Purposes (in thousands) Amount Ratio Amount Ratio As of December 31, 2024: CBLR $ 847,280 13.76 % $ 554,207 9.00 % As of December 31, 2023: CBLR $ 797,672 13.69 % $ 524,234 9.00 % Community Trust Bank, Inc.’s Capital Ratios Actual For Capital Adequacy Purposes (in thousands) Amount Ratio Amount Ratio As of December 31, 2024: CBLR $ 813,737 13.29 % $ 551,141 9.00 % As of December 31, 2023: CBLR $ 766,180 13.22 % $ 521,612 9.00 %

Parent Company Financial Stat_2

Parent Company Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2024
Parent Company Financial Statements [Abstract]
Condensed Balance Sheets	Condensed Balance Sheets (in thousands) December 31 2024 2023 Assets: Cash on deposit $ 2,797 $ 3,183 Investment in and advances to subsidiaries 814,196 759,048 Goodwill 4,973 4,973 Premises and equipment, net 307 237 Deferred tax asset 450 434 Other assets 128 49 Total assets $ 822,851 $ 767,924 Liabilities and shareholders’ equity: Long-term debt $ 61,341 $ 61,341 Other liabilities 3,926 4,375 Total liabilities 65,267 65,716 Shareholders’ equity 757,584 702,208 Total liabilities and shareholders’ equity $ 822,851 $ 767,924
Condensed Statements of Income and Comprehensive Income (loss)	Condensed Statements of Income and Comprehensive Income (Loss) (in thousands) Year Ended December 31 2024 2023 2022 Income: Dividends from subsidiaries $ 36,405 $ 29,931 $ 31,544 Other income 1,173 1,400 710 Total income 37,578 31,331 32,254 Expenses: Interest expense 4,410 4,287 2,060 Depreciation expense 201 125 75 Other expenses 4,706 4,718 4,833 Total expenses 9,317 9,130 6,968 Income before income taxes and equity in undistributed income of subsidiaries 28,261 22,201 25,286 Income tax benefit (2,394 ) (2,012 ) (1,808 ) Income before equity in undistributed income of subsidiaries 30,655 24,213 27,094 Equity in undistributed income of subsidiaries 52,158 53,791 54,720 Net income $ 82,813 $ 78,004 $ 81,814 Other comprehensive income (loss): Unrealized holding gains (losses) on debt securities available-for-sale: Unrealized holding gains (losses) arising during the period 6,607 36,863 (168,060 ) Less: Reclassification adjustments for realized gains (losses) included in net income 8 4 (81 ) Tax expense (benefit) 1,647 11,028 (43,675 ) Other comprehensive income (loss), net of tax 4,952 25,831 (124,304 ) Comprehensive income (loss) $ 87,765 $ 103,835 $ (42,490 )
Condensed Statements of Cash Flows	Condensed Statements of Cash Flows (in thousands) Year Ended December 31 2024 2023 2022 Cash flows from operating activities: Net income $ 82,813 $ 78,004 $ 81,814 Adjustments to reconcile net income to net cash provided by operating activities: Depreciation 201 125 76 Equity in undistributed earnings of subsidiaries (52,158 ) (53,791 ) (54,720 ) Deferred taxes (16 ) (174 ) 630 Stock-based compensation 1,354 1,576 1,366 Gains on sale of assets, net 0 (48 ) 0 Changes in: Other assets (79 ) 4,758 611 Other liabilities (593 ) 1,039 (1,115 ) Net cash provided by operating activities 31,522 31,489 28,662 Cash flows from investing activities: Net purchases of premises and equipment (271 ) (229 ) (95 ) Proceeds from sale and retirement of premises and equipment 0 48 0 Net cash used in investing activities (271 ) (181 ) (95 ) Cash flows from financing activities: Issuance of common stock 1,770 1,129 1,041 Dividends paid (33,407 ) (32,187 ) (29,938 ) Net cash used in financing activities (31,637 ) (31,058 ) (28,897 ) Net increase (decrease) in cash and cash equivalents (386 ) 250 (330 ) Cash and cash equivalents at beginning of year 3,183 2,933 3,263 Cash and cash equivalents at end of year $ 2,797 $ 3,183 $ 2,933

Segment Reporting (Tables)

Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Reconciliation of Revenues and Measures of Profit or Loss from Segment to Consolidated	The following tables present the reconciliations of reportable segment revenues and measures of profit or loss and line item reconciliation to CTBI’s consolidated financial statement totals. (in thousands) Year Ended December 31, 2024 Community Banking Services Holding Company Eliminations Consolidated Interest income: Interest and fees on loans, including loans held for sale $ 274,619 $ 0 $ 0 $ 274,619 Interest and dividends on securities: Taxable 24,953 0 0 24,953 Tax exempt 2,553 0 0 2,553 Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock 783 0 0 783 Interest on Federal Reserve Bank deposits 10,101 0 0 10,101 Other, including interest on federal funds sold 301 133 0 434 Total interest income 313,310 133 0 313,443 Interest expense: Interest on deposits 112,516 0 0 112,516 Interest on repurchase agreements and federal funds purchased 10,393 0 0 10,393 Interest on advances from Federal Home Loan Bank 16 0 0 16 Interest on long-term debt 365 4,410 (252 ) 4,523 Total interest expense 123,290 4,410 (252 ) 127,448 Net interest income 190,020 (4,277 ) 252 185,995 Provision for credit losses 10,951 0 0 10,951 Net interest income after provision for credit losses 179,069 (4,277 ) 252 175,044 Noninterest income: Deposit related fees 29,824 0 0 29,824 Gains on sales of loans, net 294 0 0 294 Trust and wealth management income 14,921 0 0 14,921 Loan related fees 4,957 0 0 4,957 Bank owned life insurance 5,236 0 0 5,236 Brokerage revenue 2,272 0 0 2,272 Securities gains (losses) 631 0 0 631 Dividend and undistributed income from subsidiaries 0 88,430 (88,430 ) 0 Other noninterest income 5,540 1,173 (2,283 ) 4,430 Total noninterest income 63,675 89,603 (90,713 ) 62,565 Noninterest expense: Officer salaries and employee benefits 15,107 2,039 (830 ) 16,316 Other salaries and employee benefits 63,111 873 (873 ) 63,111 Occupancy, net 9,440 2 0 9,442 Equipment 2,746 201 (185 ) 2,762 Data processing 11,152 20 0 11,172 Bank franchise tax 1,685 0 0 1,685 Legal fees 906 184 0 1,090 Professional fees 2,581 441 (239 ) 2,783 Advertising and marketing 3,078 52 0 3,130 FDIC insurance 2,586 0 0 2,586 Other real estate owned provision and expense 152 0 0 152 Repossession expense 1,089 0 0 1,089 Other noninterest expense 14,666 1,095 (156 ) 15,605 Total noninterest expense 128,299 4,907 (2,283 ) 130,923 Income before income taxes 114,445 80,419 (88,178 ) 106,686 Income taxes 26,267 (2,394 ) 0 23,873 Net income $ 88,178 $ 82,813 $ (88,178 ) $ 82,813 (in thousands) Year Ended December 31, 2023 Community Banking Services Holding Company Eliminations Consolidated Interest income: Interest and fees on loans, including loans held for sale $ 230,844 $ 0 $ 0 $ 230,844 Interest and dividends on securities: Taxable 27,263 0 0 27,263 Tax exempt 2,678 0 0 2,678 Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock 759 0 0 759 Interest on Federal Reserve Bank deposits 6,831 0 0 6,831 Other, including interest on federal funds sold 146 129 0 275 Total interest income 268,521 129 0 268,650 Interest expense: Interest on deposits 81,167 0 0 81,167 Interest on repurchase agreements and federal funds purchased 8,994 0 0 8,994 Interest on advances from Federal Home Loan Bank 1,004 0 0 1,004 Interest on long-term debt 333 4,286 (244 ) 4,375 Total interest expense 91,498 4,286 (244 ) 95,540 Net interest income 177,023 (4,157 ) 244 173,110 Provision for credit losses 6,811 0 0 6,811 Net interest income after provision for credit losses 170,212 (4,157 ) 244 166,299 Noninterest income: Deposit related fees 29,935 0 0 29,935 Gains on sales of loans, net 395 0 0 395 Trust and wealth management income 13,025 0 0 13,025 Loan related fees 3,792 0 0 3,792 Bank owned life insurance 3,517 0 0 3,517 Brokerage revenue 1,473 0 0 1,473 Securities gains (losses) 996 0 0 996 Dividend and undistributed income from subsidiaries 0 83,593 (83,593 ) 0 Other noninterest income 5,551 1,400 (2,425 ) 4,526 Total noninterest income 58,684 84,993 (86,018 ) 57,659 Noninterest expense: Officer salaries and employee benefits 13,766 2,511 (1,071 ) 15,206 Other salaries and employee benefits 58,505 826 (826 ) 58,505 Occupancy, net 8,900 0 0 8,900 Equipment 2,943 125 (125 ) 2,943 Data processing 9,711 15 0 9,726 Bank franchise tax 1,649 0 0 1,649 Legal fees 1,008 123 0 1,131 Professional fees 2,083 383 (247 ) 2,219 Advertising and marketing 3,191 23 0 3,214 FDIC insurance 2,483 0 0 2,483 Other real estate owned provision and expense 350 0 0 350 Repossession expense 531 0 0 531 Other noninterest expense 17,852 838 (157 ) 18,533 Total noninterest expense 122,972 4,844 (2,426 ) 125,390 Income before income taxes 105,924 75,992 (83,348 ) 98,568 Income taxes 22,576 (2,012 ) 0 20,564 Net income $ 83,348 $ 78,004 $ (83,348 ) $ 78,004 (in thousands) Year Ended December 31, 2022 Community Banking Services Holding Company Eliminations Consolidated Interest income: Interest and fees on loans, including loans held for sale $ 169,885 $ 0 $ 0 $ 169,885 Interest and dividends on securities: Taxable 21,695 0 0 21,695 Tax exempt 2,998 0 0 2,998 Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock 603 0 0 603 Interest on Federal Reserve Bank deposits 2,439 0 0 2,439 Other, including interest on federal funds sold 60 62 0 122 Total interest income 197,680 62 0 197,742 Interest expense: Interest on deposits 24,068 0 0 24,068 Interest on repurchase agreements and federal funds purchased 2,540 0 0 2,540 Interest on advances from Federal Home Loan Bank 20 0 0 20 Interest on long-term debt 70 2,060 (118 ) 2,012 Total interest expense 26,698 2,060 (118 ) 28,640 Net interest income 170,982 (1,998 ) 118 169,102 Provision for credit losses 4,905 0 0 4,905 Net interest income after provision for credit losses 166,077 (1,998 ) 118 164,197 Noninterest income: Deposit related fees 29,049 0 0 29,049 Gains on sales of loans, net 1,525 0 0 1,525 Trust and wealth management income 12,394 0 0 12,394 Loan related fees 6,185 0 0 6,185 Bank owned life insurance 2,708 0 0 2,708 Brokerage revenue 1,846 0 0 1,846 Securities gains (losses) (168 ) 0 0 (168 ) Dividend and undistributed income from subsidiaries 0 86,202 (86,202 ) 0 Other noninterest income 5,430 710 (1,763 ) 4,377 Total noninterest income 58,969 86,912 (87,965 ) 57,916 Noninterest expense: Officer salaries and employee benefits 13,877 2,570 (525 ) 15,922 Other salaries and employee benefits 56,568 801 (801 ) 56,568 Occupancy, net 8,380 0 0 8,380 Equipment 2,703 75 (75 ) 2,703 Data processing 8,889 24 (3 ) 8,910 Bank franchise tax 1,528 0 0 1,528 Legal fees 1,044 115 0 1,159 Professional fees 2,125 402 (252 ) 2,275 Advertising and marketing 2,982 23 0 3,005 FDIC insurance 1,447 0 0 1,447 Other real estate owned provision and expense 456 0 0 456 Repossession expense 546 0 0 546 Other noninterest expense 17,381 898 (107 ) 18,172 Total noninterest expense 117,926 4,908 (1,763 ) 121,071 Income before income taxes 107,120 80,006 (86,084 ) 101,042 Income taxes 21,036 (1,808 ) 0 19,228 Net income $ 86,084 $ 81,814 $ (86,084 ) $ 81,814
Other Segment Disclosures	The following tables present other segment disclosures: (thousands) Year Ended December 31, 2024 Community Banking Services Holding Company Eliminations Consolidated Depreciation $ 3,622 $ 201 $ 0 $ 3,823 Amortization of operating lease right-of-use assets 1,180 0 0 1,180 Significant non-cash items: Provision for credit losses 10,951 0 0 10,951 Change in cash surrender value of bank owned life insurance 3,995 0 0 3,995 Expenditures for long-lived assets 7,807 271 0 8,078 (thousands) Year Ended December 31, 2023 Community Banking Holding Company Eliminations Consolidated Depreciation $ 3,666 $ 125 $ 0 $ 3,791 Amortization of operating lease right-of-use assets 1,560 0 0 1,560 Significant non-cash items: Provision for credit losses 6,811 0 0 6,811 Change in cash surrender value of bank owned life insurance 2,361 0 0 2,361 Expenditures for long-lived assets 6,093 229 0 6,322 (thousands) Year Ended December 31, 2022 Community Banking Services Holding Company Eliminations Consolidated Depreciation $ 3,305 $ 76 $ 0 $ 3,381 Amortization of operating lease right-of-use assets 1,838 0 0 1,838 Significant non-cash items: Provision for credit losses 4,905 0 0 4,905 Change in cash surrender value of bank owned life insurance 1,650 0 0 1,650 Expenditures for long-lived assets 6,123 95 0 6,218
Reconciliation of Reportable Segment Assets to Consolidated	Below is a reconciliation of our reportable segment assets to CTBI’s consolidated total assets: (in thousands) December 31 2024 December 31 2023 Assets Community banking services assets $ 6,186,518 $ 5,765,286 Holding company assets 822,851 767,923 Elimination of subsidiary and parent cash and intercompany receivables (3,780 ) (6,317 ) Elimination of investment in subsidiaries (812,345 ) (757,196 ) Consolidated total assets $ 6,193,245 $ 5,769,696

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings per Share	The following table sets forth the computation of basic and diluted earnings per share: (in thousands except per share data) Year Ended December 31 2024 2023 2022 Numerator: Net income $ 82,813 $ 78,004 $ 81,814 Denominator: Basic earnings per share: Weighted average shares 17,950 17,887 17,836 Diluted earnings per share: Dilutive effect of equity grants 27 13 15 Adjusted weighted average shares 17,977 17,900 17,851 Earnings per share: Basic earnings per share $ 4.61 $ 4.36 $ 4.59 Diluted earnings per share 4.61 4.36 4.58

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2024
Accumulated Other Comprehensive Income (Loss) [Abstract]
Amounts Reclassified from Accumulated Other Comprehensive Income (Loss) (AOCI)	Amounts reclassified from accumulated other comprehensive income (loss) (“AOCI”) and the affected line items in the statements of income during the years ended December 31, 2024, 2023, and 2022 were: Amounts Reclassified from AOCI (in thousands) Year Ended December 31 2024 2023 2022 Affected line item in the statements of income Securities gains (losses) $ 8 $ 4 $ (81 ) Tax expense (benefit) 2 1 (21 ) Total reclassifications out of AOCI $ 6 $ 3 $ (60 )

Accounting Policies, Certificat

Accounting Policies, Certificates of Deposit in Other Banks (Details)	12 Months Ended
	Dec. 31, 2024
Certificates of Deposits in Other Banks [Abstract]
Maturity period of certificates of deposit in other banks	18 months

Accounting Policies, Investment

Accounting Policies, Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Investments [Abstract]
Unrealized losses on AFS securities	$ 0	$ 0
ACL for AFS securities	0	0
Securities HTM	$ 0	$ 0

Accounting Policies, Loans (Det

Accounting Policies, Loans (Details)	12 Months Ended
	Dec. 31, 2024
Loans [Abstract]
Past due period after which loans must be well secured and in the process of collection to continue accruing interest	90 days
Period of current principal and interest payments for reclassifying nonaccrual loans as accruing loans	6 months

Accounting Policies, Allowance

Accounting Policies, Allowance for Credit Losses (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($) Payment
Allowance for Credit Losses [Abstract]
Impact of difference in amortized cost basis versus consideration of loan balances on allowance for credit losses	100%
Number of delinquent monthly payments before loan charge off | Payment	5
Current value assessment period for past due loans secured against real estate	90 days
Threshold period past due for initiation of foreclosure proceedings	120 days
Commercial [Member]
Allowance for Credit Losses [Abstract]
Threshold period past due for individual evaluations	90 days
Commercial [Member] | 90+ Days Past Due [Member] | Minimum [Member]
Allowance for Credit Losses [Abstract]
Threshold outstanding loan balance for individual evaluations	$ 1
Commercial [Member] | Nonaccrual Status [Member] | Minimum [Member]
Allowance for Credit Losses [Abstract]
Threshold outstanding loan balance for individual evaluations	1
Threshold amount of outstanding loan balance for specific reserve to be created	1
Commercial [Member] | Borrower Experiencing Financial Difficulty [Member] | Minimum [Member]
Allowance for Credit Losses [Abstract]
Threshold outstanding loan balance for individual evaluations	1
Threshold amount of outstanding loan balance for specific reserve to be created	1
Commercial [Member] | Criticized [Member] | Minimum [Member]
Allowance for Credit Losses [Abstract]
Threshold outstanding loan balance for individual evaluations	1
Threshold amount of outstanding loan balance for specific reserve to be created	$ 1
Commercial [Member] | Unsecured Commercial Loan [Member]
Allowance for Credit Losses [Abstract]
Charge off threshold for loans considered uncollectible	90 days
Consumer [Member] | Closed-End Consumer Loan [Member]
Allowance for Credit Losses [Abstract]
Charge off threshold for loans considered uncollectible	120 days

Accounting Policies, Premises a

Accounting Policies, Premises and Equipment (Details)	Dec. 31, 2024
Buildings [Member] | Maximum [Member]
Premises and Equipment [Abstract]
Estimated useful life	40 years
Furniture, Fixtures, and Equipment [Member] | Minimum [Member]
Premises and Equipment [Abstract]
Estimated useful life	2 years
Furniture, Fixtures, and Equipment [Member] | Maximum [Member]
Premises and Equipment [Abstract]
Estimated useful life	10 years

Accounting Policies, Other Real

Accounting Policies, Other Real Estate Owned (Details)	12 Months Ended
	Dec. 31, 2024
Minimum [Member]
Other Real Estate Owned [Abstract]
Typical frequency of periodic reviews	12 months
Maximum [Member]
Other Real Estate Owned [Abstract]
Typical frequency of periodic reviews	18 months
Frequency of periodic reviews in general	24 months

Accounting Policies, Goodwill a

Accounting Policies, Goodwill and Core Deposit Intangible (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Goodwill and Core Deposit Intangible [Abstract]
Goodwill	$ 65,490	$ 65,490

Accounting Policies, Segments (

Accounting Policies, Segments (Details)	12 Months Ended
	Dec. 31, 2024 Segment
Segments [Abstract]
Number of operating segments	1

Accounting Policies, New Accoun

Accounting Policies, New Accounting Standards (Details)	Nov. 27, 2024	Jan. 27, 2023
3-Month CME Term SOFR [Member]
Long-term debt [Abstract]
Term of variable rate		3 months
Basis spread on variable rate	1.59%	0.26161%
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]	SOFR [Member]	SOFR [Member]
6-Month CME Term SOFR [Member]
Long-term debt [Abstract]
Term of variable rate		6 months
Basis spread on variable rate		0.42826%
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]		SOFR [Member]

Cash and Due from Banks and I_2

Cash and Due from Banks and Interest Bearing Deposits (Details) $ in Millions	Dec. 31, 2024 USD ($)
Federal Reserve [Member]
Cash and Due from Banks and Interest Bearing Deposits [Abstract]
Cash accounts which exceeded federally insured limits	$ 289.4
US Bank [Member]
Cash and Due from Banks and Interest Bearing Deposits [Abstract]
Cash accounts which exceeded federally insured limits	25.6
Federal Home Loan Bank [Member]
Cash and Due from Banks and Interest Bearing Deposits [Abstract]
Cash accounts which exceeded federally insured limits	6
Fifth Third Bank [Member]
Cash and Due from Banks and Interest Bearing Deposits [Abstract]
Cash accounts which exceeded federally insured limits	2.3
Raymond James [Member]
Cash and Due from Banks and Interest Bearing Deposits [Abstract]
Cash accounts which exceeded federally insured limits	$ 1.1

Securities, Available-for-Sale

Securities, Available-for-Sale Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Available-for-sale [Abstract]
Amortized cost	$ 1,186,649	$ 1,301,244
Gross unrealized gains	237	245
Gross unrealized losses	(131,158)	(137,765)
Fair value	1,055,728	1,163,724
U.S. Treasury and Government Agencies [Member]
Available-for-sale [Abstract]
Amortized cost	360,027	381,268
Gross unrealized gains	84	121
Gross unrealized losses	(18,616)	(26,572)
Fair value	341,495	354,817
State and Political Subdivisions [Member]
Available-for-sale [Abstract]
Amortized cost	304,588	313,147
Gross unrealized gains	12	88
Gross unrealized losses	(51,043)	(48,290)
Fair value	253,557	264,945
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Available-for-sale [Abstract]
Amortized cost	471,000	518,836
Gross unrealized gains	131	36
Gross unrealized losses	(61,422)	(62,136)
Fair value	409,709	456,736
Asset-backed Securities [Member]
Available-for-sale [Abstract]
Amortized cost	51,034	87,993
Gross unrealized gains	10	0
Gross unrealized losses	(77)	(767)
Fair value	$ 50,967	$ 87,226

Securities, Amortized Cost and

Securities, Amortized Cost and Fair Value of Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Available for sale, amortized cost [Abstract]
Due in one year or less	$ 113,132
Due after one through five years	286,927
Due after five through ten years	133,102
Due after ten years	131,454
Amortized cost	1,186,649	$ 1,301,244
Available for sale, fair value [Abstract]
Due in one year or less	112,391
Due after one through five years	265,720
Due after five through ten years	113,171
Due after ten years	103,770
Fair value	1,055,728	1,163,724
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Available for sale, amortized cost [Abstract]
Without single maturity date	471,000
Amortized cost	471,000	518,836
Available for sale, fair value [Abstract]
Without single maturity date	409,709
Fair value	409,709	456,736
Asset-backed Securities [Member]
Available for sale, amortized cost [Abstract]
Without single maturity date	51,034
Amortized cost	51,034	87,993
Available for sale, fair value [Abstract]
Without single maturity date	50,967
Fair value	$ 50,967	$ 87,226

Securities, Gains (Loss) on Sal

Securities, Gains (Loss) on Sales of Securities, Securities Pledged, and Securities Sold Under Agreements to Repurchase (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Gains (Loss) on Sales of Securities [Abstract]
Net securities gain (loss)	$ 631	$ 996	$ (168)
Net gain (loss) realized on sales and calls of AFS securities	8	4	(81)
Unrealized gain (loss) from fair value adjustment of equity securities	623	992	$ (87)
Equity Securities at Fair Value [Abstract]
Equity securities at fair value	3,781	3,158
Amortized cost of securities sold under agreements to repurchase	330,000	333,600
Asset Pledged as Collateral [Member] | Public Deposits and for Other Purposes [Member]
Equity Securities at Fair Value [Abstract]
Securities	630,800	761,500
Visa Class B Restricted Stock [Member]
Equity Securities at Fair Value [Abstract]
Equity securities at fair value	3,800
Increase in fair value of equity securities	$ 623	$ 992
Number of equity securities sold (in shares)	0	0

Securities, Securities in Conti

Securities, Securities in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Securities [Abstract]
Percentage of total investment with unrealized losses	95.50%	97.30%
Available-for-sale, amortized cost [Abstract]
Less than 12 months	$ 68,231	$ 35,971
12 months or more	1,071,609	1,234,191
Total	1,139,840	1,270,162
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(1,202)	(1,544)
12 months or more	(129,956)	(136,221)
Total	(131,158)	(137,765)
Available-for-sale, fair value [Abstract]
Less than 12 months	67,029	34,427
12 months or more	941,653	1,097,970
Total	1,008,682	1,132,397
U.S. Treasury and Government Agencies [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	1,396	3,761
12 months or more	351,315	361,038
Total	352,711	364,799
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(2)	(5)
12 months or more	(18,614)	(26,567)
Total	(18,616)	(26,572)
Available-for-sale, fair value [Abstract]
Less than 12 months	1,394	3,756
12 months or more	332,701	334,471
Total	334,095	338,227
State and Political Subdivisions [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	14,262	16,154
12 months or more	288,445	284,397
Total	302,707	300,551
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(192)	(1,250)
12 months or more	(50,851)	(47,040)
Total	(51,043)	(48,290)
Available-for-sale, fair value [Abstract]
Less than 12 months	14,070	14,904
12 months or more	237,594	237,357
Total	251,664	252,261
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	28,028	16,056
12 months or more	416,270	500,763
Total	444,298	516,819
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(994)	(289)
12 months or more	(60,428)	(61,847)
Total	(61,422)	(62,136)
Available-for-sale, fair value [Abstract]
Less than 12 months	27,034	15,767
12 months or more	355,842	438,916
Total	382,876	454,683
Asset-backed Securities [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	24,545	0
12 months or more	15,579	87,993
Total	40,124	87,993
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(14)	0
12 months or more	(63)	(767)
Total	(77)	(767)
Available-for-sale, fair value [Abstract]
Less than 12 months	24,531	0
12 months or more	15,516	87,226
Total	$ 40,047	$ 87,226

Loans, Major Classifications of

Loans, Major Classifications of Loans, Net of Income and Deferred Loan Origination Cost (Details)	12 Months Ended
	Dec. 31, 2024 USD ($) Segment	Dec. 31, 2023 USD ($)
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	$ 4,486,637,000	$ 4,050,906,000
Unearned fees	$ 1,200	800,000
Number of portfolio segments | Segment	9
Loans held for sale [Abstract]
Loans held for sale	$ 184,000	152,000
Commercial [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	2,272,679,000	1,983,735,000
Commercial [Member] | Hotel/Motel [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	$ 458,832,000	395,765,000
Percentage of total loan	10.20%
Commercial [Member] | Commercial Real Estate Residential [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	$ 508,310,000	417,943,000
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	865,031,000	778,637,000
Commercial [Member] | Dealer Floorplans [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	84,956,000	70,308,000
Commercial [Member] | Commercial Other [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	355,550,000	321,082,000
Residential [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	1,210,826,000	1,084,560,000
Residential [Member] | Real Estate Mortgage [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	1,043,401,000	937,524,000
Residential [Member] | Home Equity Lines [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	167,425,000	147,036,000
Consumer [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	1,003,132,000	982,611,000
Consumer [Member] | Consumer Direct [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	152,843,000	159,106,000
Consumer [Member] | Consumer Indirect [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	850,289,000	823,505,000
Unamortized premiums	$ 32,000,000	$ 31,400,000

Loans, Balance in ACL (Details)

Loans, Balance in ACL (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Balance in ACL [Roll Forward]
Beginning balance	$ 49,543	$ 45,981
Provision charged to expense	10,951	6,811	$ 4,905
Losses charged off	(10,503)	(8,259)
Recoveries	4,977	5,010
Ending balance	54,968	49,543	45,981
Commercial [Member]
Balance in ACL [Roll Forward]
Losses charged off	(1,476)	(2,222)
Commercial [Member] | Hotel/Motel [Member]
Balance in ACL [Roll Forward]
Beginning balance	4,592	5,171
Provision charged to expense	616	(579)
Losses charged off	0	0
Recoveries	0	0
Ending balance	5,208	4,592	5,171
Commercial [Member] | Commercial Real Estate Residential [Member]
Balance in ACL [Roll Forward]
Beginning balance	4,285	4,894
Provision charged to expense	1,145	(706)
Losses charged off	0	(28)
Recoveries	37	125
Ending balance	5,467	4,285	4,894
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Balance in ACL [Roll Forward]
Beginning balance	7,560	9,419
Provision charged to expense	2,670	(2,252)
Losses charged off	0	(294)
Recoveries	77	687
Ending balance	10,307	7,560	9,419
Commercial [Member] | Dealer Floorplans [Member]
Balance in ACL [Roll Forward]
Beginning balance	659	1,776
Provision charged to expense	23	(1,117)
Losses charged off	0	0
Recoveries	0	0
Ending balance	682	659	1,776
Commercial [Member] | Commercial Other [Member]
Balance in ACL [Roll Forward]
Beginning balance	3,760	5,285
Provision charged to expense	1,048	(91)
Losses charged off	(1,476)	(1,900)
Recoveries	500	466
Ending balance	3,832	3,760	5,285
Residential [Member]
Balance in ACL [Roll Forward]
Losses charged off	(205)	(163)
Residential [Member] | Real Estate Mortgage [Member]
Balance in ACL [Roll Forward]
Beginning balance	10,197	7,932
Provision charged to expense	2,405	2,364
Losses charged off	(125)	(140)
Recoveries	27	41
Ending balance	12,504	10,197	7,932
Residential [Member] | Home Equity Lines [Member]
Balance in ACL [Roll Forward]
Beginning balance	1,367	1,106
Provision charged to expense	194	278
Losses charged off	(80)	(23)
Recoveries	18	6
Ending balance	1,499	1,367	1,106
Consumer [Member]
Balance in ACL [Roll Forward]
Losses charged off	(8,822)	(5,874)
Consumer [Member] | Consumer Direct [Member]
Balance in ACL [Roll Forward]
Beginning balance	3,261	1,694
Provision charged to expense	(69)	1,804
Losses charged off	(1,220)	(541)
Recoveries	249	304
Ending balance	2,221	3,261	1,694
Consumer [Member] | Consumer Indirect [Member]
Balance in ACL [Roll Forward]
Beginning balance	13,862	8,704
Provision charged to expense	2,919	7,110
Losses charged off	(7,602)	(5,333)
Recoveries	4,069	3,381
Ending balance	$ 13,248	$ 13,862	$ 8,704

Loans, Nonaccrual Loans Segrega

Loans, Nonaccrual Loans Segregated by Class of Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	$ 8,246	$ 236
Nonaccrual loans with ACL	8,123	3,812
90+ and still accruing	10,317	9,920
Nonperforming loans	$ 26,686	13,968
Past due period after which loans must be well secured and in process of collection to continue accruing interest	90 days
Commercial [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	$ 8,246	236
Nonaccrual loans with ACL	3,995	1,630
90+ and still accruing	3,946	3,491
Nonperforming loans	16,187	5,357
Commercial [Member] | Commercial Real Estate Residential [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	1,248	498
90+ and still accruing	369	1,059
Nonperforming loans	1,617	1,557
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	8,000	0
Nonaccrual loans with ACL	1,641	680
90+ and still accruing	3,513	2,270
Nonperforming loans	13,154	2,950
Commercial [Member] | Other [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	246	236
Nonaccrual loans with ACL	1,106	452
90+ and still accruing	64	162
Nonperforming loans	1,416	850
Residential [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	3,952	2,182
90+ and still accruing	5,516	5,859
Nonperforming loans	9,468	8,041
Residential [Member] | Real Estate Mortgage [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	3,748	1,996
90+ and still accruing	5,072	5,302
Nonperforming loans	8,820	7,298
Residential [Member] | Home Equity Lines [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	204	186
90+ and still accruing	444	557
Nonperforming loans	648	743
Consumer [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	176	0
90+ and still accruing	855	570
Nonperforming loans	1,031	570
Consumer [Member] | Consumer Direct [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	176	0
90+ and still accruing	93	15
Nonperforming loans	269	15
Consumer [Member] | Consumer Indirect [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	0	0
90+ and still accruing	762	555
Nonperforming loans	$ 762	$ 555

Loans, Loan Portfolio Aging Ana

Loans, Loan Portfolio Aging Analysis, Segregated by Class (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	$ 4,486,637	$ 4,050,906
Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	41,667	28,262
30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	11,278	10,056
60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	6,012	5,976
90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	24,377	12,230
Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	4,444,970	4,022,644
Commercial [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	2,272,679	1,983,735
Commercial [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	18,850	8,145
Commercial [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	2,957	2,259
Commercial [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	1,157	1,101
Commercial [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	14,736	4,785
Commercial [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	2,253,829	1,975,590
Commercial [Member] | Hotel/Motel [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	$ 458,832	395,765
Percentage of total loan	10.20%
Commercial [Member] | Hotel/Motel [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	$ 0	0
Commercial [Member] | Hotel/Motel [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	0	0
Commercial [Member] | Hotel/Motel [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	0	0
Commercial [Member] | Hotel/Motel [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	0	0
Commercial [Member] | Hotel/Motel [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	458,832	395,765
Commercial [Member] | Commercial Real Estate Residential [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	508,310	417,943
Commercial [Member] | Commercial Real Estate Residential [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	1,847	2,847
Commercial [Member] | Commercial Real Estate Residential [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	575	1,047
Commercial [Member] | Commercial Real Estate Residential [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	444	275
Commercial [Member] | Commercial Real Estate Residential [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	828	1,525
Commercial [Member] | Commercial Real Estate Residential [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	506,463	415,096
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	865,031	778,637
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	14,357	3,500
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	1,349	549
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	118	332
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	12,890	2,619
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	850,674	775,137
Commercial [Member] | Dealer Floorplans [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	84,956	70,308
Commercial [Member] | Dealer Floorplans [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	0	0
Commercial [Member] | Dealer Floorplans [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	0	0
Commercial [Member] | Dealer Floorplans [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	0	0
Commercial [Member] | Dealer Floorplans [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	0	0
Commercial [Member] | Dealer Floorplans [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	84,956	70,308
Commercial [Member] | Commercial Other [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	355,550	321,082
Commercial [Member] | Commercial Other [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	2,646	1,798
Commercial [Member] | Commercial Other [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	1,033	663
Commercial [Member] | Commercial Other [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	595	494
Commercial [Member] | Commercial Other [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	1,018	641
Commercial [Member] | Commercial Other [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	352,904	319,284
Residential [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	1,210,826	1,084,560
Residential [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	14,836	12,837
Residential [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	2,573	2,234
Residential [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	3,652	3,728
Residential [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	8,611	6,875
Residential [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	1,195,990	1,071,723
Residential [Member] | Real Estate Mortgage [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	1,043,401	937,524
Residential [Member] | Real Estate Mortgage [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	11,956	10,946
Residential [Member] | Real Estate Mortgage [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	654	1,323
Residential [Member] | Real Estate Mortgage [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	3,304	3,455
Residential [Member] | Real Estate Mortgage [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	7,998	6,168
Residential [Member] | Real Estate Mortgage [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	1,031,445	926,578
Residential [Member] | Home Equity Lines [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	167,425	147,036
Residential [Member] | Home Equity Lines [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	2,880	1,891
Residential [Member] | Home Equity Lines [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	1,919	911
Residential [Member] | Home Equity Lines [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	348	273
Residential [Member] | Home Equity Lines [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	613	707
Residential [Member] | Home Equity Lines [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	164,545	145,145
Consumer [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	1,003,132	982,611
Consumer [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	7,981	7,280
Consumer [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	5,748	5,563
Consumer [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	1,203	1,147
Consumer [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	1,030	570
Consumer [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	995,151	975,331
Consumer [Member] | Consumer Direct [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	152,843	159,106
Consumer [Member] | Consumer Direct [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	1,251	1,146
Consumer [Member] | Consumer Direct [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	876	1,013
Consumer [Member] | Consumer Direct [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	107	118
Consumer [Member] | Consumer Direct [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	268	15
Consumer [Member] | Consumer Direct [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	151,592	157,960
Consumer [Member] | Consumer Indirect [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	850,289	823,505
Consumer [Member] | Consumer Indirect [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	6,730	6,134
Consumer [Member] | Consumer Indirect [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	4,872	4,550
Consumer [Member] | Consumer Indirect [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	1,096	1,029
Consumer [Member] | Consumer Indirect [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	762	555
Consumer [Member] | Consumer Indirect [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total loans	$ 843,559	$ 817,371

Loans, Credit Risk Profile Base

Loans, Credit Risk Profile Based on Rating Category and Payment Activity and on Performing and Nonperforming Status, Segregated by Class (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Credit Risk Profile, Segregated by Class [Abstract]
Total	$ 4,486,637	$ 4,050,906
Current Period Gross Charge-Offs [Abstract]
Total	(10,503)	(8,259)
Consumer mortgage loans secured by real estate properties for which formal foreclosure proceedings are in process	4,000	3,500
Commercial [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	522,094	437,884
2023/2022	362,884	443,860
2022/2021	400,413	325,078
2021/2020	265,342	168,851
2020/2019	151,178	122,166
Prior	324,631	276,521
Revolving Loans	246,137	209,375
Total	2,272,679	1,983,735
Current Period Gross Charge-Offs [Abstract]
2024/2023	(1,148)	(725)
2023/2022	(134)	(710)
2022/2021	(142)	(337)
2021/2020	(45)	(27)
2020/2019	(2)	(90)
Prior	(5)	(333)
Revolving Loans	0	0
Total	(1,476)	(2,222)
Commercial [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	499,660	411,703
2023/2022	348,510	424,100
2022/2021	375,881	303,445
2021/2020	234,056	146,909
2020/2019	134,073	113,411
Prior	283,081	241,655
Revolving Loans	227,446	202,377
Total	$ 2,102,707	1,843,600
Commercial [Member] | Pass [Member] | Minimum [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Review period for loans	12 months
Commercial [Member] | Pass [Member] | Maximum [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Review period for loans	18 months
Commercial [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	$ 11,778	15,576
2023/2022	7,952	9,730
2022/2021	17,189	14,182
2021/2020	19,287	8,491
2020/2019	5,059	6,259
Prior	26,122	14,645
Revolving Loans	17,282	6,355
Total	104,669	75,238
Commercial [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	58	2,404
2023/2022	7	3,997
2022/2021	12	0
2021/2020	8,469	7,255
2020/2019	0	0
Prior	103	3,503
Revolving Loans	30	30
Total	8,679	17,189
Commercial [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	10,598	8,201
2023/2022	6,415	6,033
2022/2021	7,331	7,451
2021/2020	3,530	6,196
2020/2019	12,046	2,496
Prior	15,324	15,952
Revolving Loans	1,379	613
Total	56,623	46,942
Commercial [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	1	766
Revolving Loans	0	0
Total	1	766
Commercial [Member] | Hotel/Motel [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	74,878	91,220
2023/2022	90,078	151,634
2022/2021	149,464	34,846
2021/2020	33,715	22,287
2020/2019	21,609	44,234
Prior	83,669	47,502
Revolving Loans	5,419	4,042
Total	458,832	395,765
Current Period Gross Charge-Offs [Abstract]
Total	0	0
Commercial [Member] | Hotel/Motel [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	72,924	79,651
2023/2022	88,016	144,826
2022/2021	134,663	28,011
2021/2020	27,145	17,664
2020/2019	21,609	40,873
Prior	70,311	42,029
Revolving Loans	5,419	4,042
Total	420,087	357,096
Commercial [Member] | Hotel/Motel [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	11,569
2023/2022	2,062	2,826
2022/2021	10,822	6,835
2021/2020	6,570	4,623
2020/2019	0	3,361
Prior	13,358	1,648
Revolving Loans	0	0
Total	32,812	30,862
Commercial [Member] | Hotel/Motel [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	0	3,982
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	1,954
Revolving Loans	0	0
Total	0	5,936
Commercial [Member] | Hotel/Motel [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	1,954	0
2023/2022	0	0
2022/2021	3,979	0
2021/2020	0	0
2020/2019	0	0
Prior	0	1,118
Revolving Loans	0	0
Total	5,933	1,118
Commercial [Member] | Hotel/Motel [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	753
Revolving Loans	0	0
Total	0	753
Commercial [Member] | Commercial Real Estate Residential [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	169,737	112,381
2023/2022	98,376	92,104
2022/2021	80,590	103,901
2021/2020	64,752	33,201
2020/2019	26,546	12,914
Prior	46,936	48,618
Revolving Loans	21,373	14,824
Total	508,310	417,943
Current Period Gross Charge-Offs [Abstract]
2024/2023		0
2023/2022		0
2022/2021		(28)
2021/2020		0
2020/2019		0
Prior		0
Revolving Loans		0
Total	0	(28)
Commercial [Member] | Commercial Real Estate Residential [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	162,855	109,304
2023/2022	94,758	89,119
2022/2021	78,106	98,896
2021/2020	60,482	30,972
2020/2019	24,603	11,908
Prior	37,689	36,964
Revolving Loans	21,267	14,700
Total	479,760	391,863
Commercial [Member] | Commercial Real Estate Residential [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	5,381	2,317
2023/2022	3,009	2,131
2022/2021	1,692	473
2021/2020	3,739	1,395
2020/2019	1,523	721
Prior	5,261	6,359
Revolving Loans	58	124
Total	20,663	13,520
Commercial [Member] | Commercial Real Estate Residential [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	31	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	58	63
Revolving Loans	0	0
Total	89	63
Commercial [Member] | Commercial Real Estate Residential [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	1,470	760
2023/2022	609	854
2022/2021	792	4,532
2021/2020	531	834
2020/2019	420	285
Prior	3,928	5,232
Revolving Loans	48	0
Total	7,798	12,497
Commercial [Member] | Commercial Real Estate Residential [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	189,586	155,080
2023/2022	125,339	147,857
2022/2021	128,573	144,933
2021/2020	132,006	82,314
2020/2019	77,278	59,788
Prior	173,355	156,775
Revolving Loans	38,894	31,890
Total	865,031	778,637
Current Period Gross Charge-Offs [Abstract]
2024/2023		0
2023/2022		0
2022/2021		(7)
2021/2020		0
2020/2019		0
Prior		(287)
Revolving Loans		0
Total	0	(294)
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	180,139	149,633
2023/2022	121,801	142,580
2022/2021	124,200	136,090
2021/2020	120,623	68,240
2020/2019	62,674	55,850
Prior	155,561	140,074
Revolving Loans	38,270	31,536
Total	803,268	724,003
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	4,574	552
2023/2022	2,004	3,664
2022/2021	4,004	6,305
2021/2020	8,683	2,347
2020/2019	3,425	1,938
Prior	6,970	6,003
Revolving Loans	624	354
Total	30,284	21,163
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	2,375
2023/2022	7	15
2022/2021	12	0
2021/2020	0	7,255
2020/2019	0	0
Prior	45	1,486
Revolving Loans	0	0
Total	64	11,131
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	4,873	2,520
2023/2022	1,527	1,598
2022/2021	357	2,538
2021/2020	2,700	4,472
2020/2019	11,179	2,000
Prior	10,778	9,199
Revolving Loans	0	0
Total	31,414	22,327
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	1	13
Revolving Loans	0	0
Total	1	13
Commercial [Member] | Dealer Floorplans [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	456	0
Revolving Loans	84,500	70,308
Total	84,956	70,308
Current Period Gross Charge-Offs [Abstract]
Total	0	0
Commercial [Member] | Dealer Floorplans [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving Loans	82,639	70,308
Total	82,639	70,308
Commercial [Member] | Dealer Floorplans [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving Loans	1,861	0
Total	1,861	0
Commercial [Member] | Dealer Floorplans [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Commercial [Member] | Dealer Floorplans [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	456	0
Revolving Loans	0	0
Total	456	0
Commercial [Member] | Dealer Floorplans [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Commercial [Member] | Commercial Other [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	87,893	79,203
2023/2022	49,091	52,265
2022/2021	41,786	41,398
2021/2020	34,869	31,049
2020/2019	25,745	5,230
Prior	20,215	23,626
Revolving Loans	95,951	88,311
Total	355,550	321,082
Current Period Gross Charge-Offs [Abstract]
2024/2023	(1,148)	(725)
2023/2022	(134)	(710)
2022/2021	(142)	(302)
2021/2020	(45)	(27)
2020/2019	(2)	(90)
Prior	(5)	(46)
Revolving Loans	0	0
Total	(1,476)	(1,900)
Commercial [Member] | Commercial Other [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	83,742	73,115
2023/2022	43,935	47,575
2022/2021	38,912	40,448
2021/2020	25,806	30,033
2020/2019	25,187	4,780
Prior	19,520	22,588
Revolving Loans	79,851	81,791
Total	316,953	300,330
Commercial [Member] | Commercial Other [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	1,823	1,138
2023/2022	877	1,109
2022/2021	671	569
2021/2020	295	126
2020/2019	111	239
Prior	533	635
Revolving Loans	14,739	5,877
Total	19,049	9,693
Commercial [Member] | Commercial Other [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	27	29
2023/2022	0	0
2022/2021	0	0
2021/2020	8,469	0
2020/2019	0	0
Prior	0	0
Revolving Loans	30	30
Total	8,526	59
Commercial [Member] | Commercial Other [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	2,301	4,921
2023/2022	4,279	3,581
2022/2021	2,203	381
2021/2020	299	890
2020/2019	447	211
Prior	162	403
Revolving Loans	1,331	613
Total	11,022	11,000
Commercial [Member] | Commercial Other [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Residential [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	197,756	200,442
2023/2022	194,033	162,607
2022/2021	141,689	160,008
2021/2020	146,641	119,964
2020/2019	107,288	57,134
Prior	263,477	245,441
Revolving Loans	159,942	138,964
Total	1,210,826	1,084,560
Current Period Gross Charge-Offs [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	(47)
2021/2020	(28)	0
2020/2019	0	(40)
Prior	(177)	(76)
Revolving Loans	0	0
Total	(205)	(163)
Residential [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	197,756	200,442
2023/2022	192,959	162,407
2022/2021	140,265	159,857
2021/2020	146,391	119,772
2020/2019	107,009	56,601
Prior	257,322	238,777
Revolving Loans	159,656	138,663
Total	1,201,358	1,076,519
Residential [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	1,074	200
2022/2021	1,424	151
2021/2020	250	192
2020/2019	279	533
Prior	6,155	6,664
Revolving Loans	286	301
Total	9,468	8,041
Residential [Member] | Real Estate Mortgage [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	197,756	200,442
2023/2022	194,033	162,607
2022/2021	141,689	160,008
2021/2020	146,641	119,964
2020/2019	107,288	57,134
Prior	255,994	237,369
Revolving Loans	0	0
Total	1,043,401	937,524
Current Period Gross Charge-Offs [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	(28)	(47)
2021/2020	0	0
2020/2019	0	(40)
Prior	(97)	(53)
Revolving Loans	0	0
Total	(125)	(140)
Residential [Member] | Real Estate Mortgage [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	197,756	200,442
2023/2022	192,959	162,407
2022/2021	140,265	159,857
2021/2020	146,391	119,772
2020/2019	107,009	56,601
Prior	250,201	231,147
Revolving Loans	0	0
Total	1,034,581	930,226
Residential [Member] | Real Estate Mortgage [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	1,074	200
2022/2021	1,424	151
2021/2020	250	192
2020/2019	279	533
Prior	5,793	6,222
Revolving Loans	0	0
Total	8,820	7,298
Residential [Member] | Home Equity Lines [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	7,483	8,072
Revolving Loans	159,942	138,964
Total	167,425	147,036
Current Period Gross Charge-Offs [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	(80)	(23)
Revolving Loans	0	0
Total	(80)	(23)
Residential [Member] | Home Equity Lines [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	7,121	7,630
Revolving Loans	159,656	138,663
Total	166,777	146,293
Residential [Member] | Home Equity Lines [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	362	442
Revolving Loans	286	301
Total	648	743
Consumer [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	388,814	422,868
2023/2022	278,822	286,035
2022/2021	183,915	135,649
2021/2020	82,604	84,890
2020/2019	44,749	30,740
Prior	24,228	22,429
Revolving Loans	0	0
Total	1,003,132	982,611
Current Period Gross Charge-Offs [Abstract]
2024/2023	(404)	(606)
2023/2022	(3,074)	(2,583)
2022/2021	(3,299)	(1,817)
2021/2020	(1,470)	(529)
2020/2019	(265)	(148)
Prior	(310)	(191)
Revolving Loans	0	0
Total	(8,822)	(5,874)
Consumer [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	388,690	422,735
2023/2022	278,426	285,808
2022/2021	183,507	135,481
2021/2020	82,541	84,879
2020/2019	44,709	30,718
Prior	24,228	22,420
Revolving Loans	0	0
Total	1,002,101	982,041
Consumer [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	124	133
2023/2022	396	227
2022/2021	408	168
2021/2020	63	11
2020/2019	40	22
Prior	0	9
Revolving Loans	0	0
Total	1,031	570
Consumer [Member] | Consumer Direct [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	54,752	63,686
2023/2022	35,251	34,726
2022/2021	21,646	26,261
2021/2020	17,509	15,560
2020/2019	9,839	6,951
Prior	13,846	11,922
Revolving Loans	0	0
Total	152,843	159,106
Current Period Gross Charge-Offs [Abstract]
2024/2023	(41)	(65)
2023/2022	(314)	(263)
2022/2021	(690)	(129)
2021/2020	(85)	(37)
2020/2019	(29)	(27)
Prior	(61)	(20)
Revolving Loans	0	0
Total	(1,220)	(541)
Consumer [Member] | Consumer Direct [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	54,745	63,686
2023/2022	35,179	34,722
2022/2021	21,456	26,250
2021/2020	17,509	15,560
2020/2019	9,839	6,951
Prior	13,846	11,922
Revolving Loans	0	0
Total	152,574	159,091
Consumer [Member] | Consumer Direct [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	7	0
2023/2022	72	4
2022/2021	190	11
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving Loans	0	0
Total	269	15
Consumer [Member] | Consumer Indirect [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	334,062	359,182
2023/2022	243,571	251,309
2022/2021	162,269	109,388
2021/2020	65,095	69,330
2020/2019	34,910	23,789
Prior	10,382	10,507
Revolving Loans	0	0
Total	850,289	823,505
Current Period Gross Charge-Offs [Abstract]
2024/2023	(363)	(541)
2023/2022	(2,760)	(2,320)
2022/2021	(2,609)	(1,688)
2021/2020	(1,385)	(492)
2020/2019	(236)	(121)
Prior	(249)	(171)
Revolving Loans	0	0
Total	(7,602)	(5,333)
Consumer [Member] | Consumer Indirect [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	333,945	359,049
2023/2022	243,247	251,086
2022/2021	162,051	109,231
2021/2020	65,032	69,319
2020/2019	34,870	23,767
Prior	10,382	10,498
Revolving Loans	0	0
Total	849,527	822,950
Consumer [Member] | Consumer Indirect [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	117	133
2023/2022	324	223
2022/2021	218	157
2021/2020	63	11
2020/2019	40	22
Prior	0	9
Revolving Loans	0	0
Total	$ 762	$ 555

Loans, Collateral Dependent Loa

Loans, Collateral Dependent Loans Evaluated Individually by Segment (Details)	12 Months Ended
	Dec. 31, 2024 USD ($) Loan	Dec. 31, 2023 USD ($) Loan
Collateral Dependent Loans by Segment [Abstract]
Secured loan by shares of common stock	$ 8,500,000
Commercial [Member] | Collateral Pledged [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of Loans | Loan	13	16
Recorded Balance	$ 45,605,000	$ 39,185,000
Specific Allowance	$ 325,000	$ 250,000
Commercial [Member] | Hotel/Motel [Member] | Collateral Pledged [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of Loans | Loan	2	3
Recorded Balance	$ 5,555,000	$ 6,810,000
Specific Allowance	$ 0	$ 0
Commercial [Member] | Commercial Real Estate Residential [Member] | Collateral Pledged [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of Loans | Loan	0	2
Recorded Balance	$ 0	$ 5,080,000
Specific Allowance	$ 0	$ 0
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Collateral Pledged [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of Loans | Loan	8	9
Recorded Balance	$ 27,087,000	$ 21,637,000
Specific Allowance	$ 325,000	$ 250,000
Commercial [Member] | Commercial Other [Member] | Collateral Pledged [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of Loans | Loan	3	2
Recorded Balance	$ 12,963,000	$ 5,658,000
Specific Allowance	$ 0	$ 0
Commercial [Member] | Commercial Other [Member] | Accounts Receivable, Equipment, and Inventory [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of financing receivables collateralized | Loan	2

Loans, Modified Loans Segregate

Loans, Modified Loans Segregated by Loan segment and Concession Granted (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 9,461,000	$ 5,619,000
% of total	0.21%	0.14%
Term Extension [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 13,556,000	$ 19,331,000
% of total	0.30%	0.48%
Combination - Term Extension and Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 1,292,000	$ 1,255,000
% of total	0.03%	0.03%
Payment Change [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 2,726,000	$ 2,521,000
% of total	0.06%	0.06%
Commercial [Member] | Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 7,545,000	$ 5,038,000
% of total	0.33%	0.25%
Commercial [Member] | Interest Rate Reduction [Member] | Hotel/Motel [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0
% of total	0%	0%
Commercial [Member] | Interest Rate Reduction [Member] | Commercial Real Estate Residential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 534,000
% of total	0%	0.13%
Commercial [Member] | Interest Rate Reduction [Member] | Commercial Real Estate Nonresidential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 7,545,000	$ 4,504,000
% of total	0.87%	0.58%
Commercial [Member] | Interest Rate Reduction [Member] | Dealer Floorplans [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0
% of total	0%	0%
Commercial [Member] | Interest Rate Reduction [Member] | Commercial Other [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0
% of total	0%	0%
Commercial [Member] | Term Extension [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 4,339,000	$ 13,155,000
% of total	0.19%	0.66%
Commercial [Member] | Term Extension [Member] | Hotel/Motel [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 1,954,000	$ 0
% of total	0.43%	0%
Commercial [Member] | Term Extension [Member] | Commercial Real Estate Residential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 585,000	$ 1,788,000
% of total	0.12%	0.43%
Commercial [Member] | Term Extension [Member] | Commercial Real Estate Nonresidential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 5,342,000
% of total	0%	0.69%
Commercial [Member] | Term Extension [Member] | Dealer Floorplans [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 456,000	$ 0
% of total	0.54%	0%
Commercial [Member] | Term Extension [Member] | Commercial Other [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 1,344,000	$ 6,025,000
% of total	0.38%	1.88%
Commercial [Member] | Combination - Term Extension and Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 245,000	$ 29,000
% of total	0.01%	0%
Commercial [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Hotel/Motel [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0
% of total	0%	0%
Commercial [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Commercial Real Estate Residential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 12,000	$ 0
% of total	0%	0%
Commercial [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Commercial Real Estate Nonresidential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 26,000	$ 0
% of total	0%	0%
Commercial [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Dealer Floorplans [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0
% of total	0%	0%
Commercial [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Commercial Other [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 207,000	$ 29,000
% of total	0.06%	0.01%
Commercial [Member] | Payment Change [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 2,659,000	$ 2,461,000
% of total	0.12%	0.01%
Commercial [Member] | Payment Change [Member] | Hotel/Motel [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 1,955,000
% of total	0%	0.49%
Commercial [Member] | Payment Change [Member] | Commercial Real Estate Residential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 1,036,000	$ 218,000
% of total	0.20%	0.05%
Commercial [Member] | Payment Change [Member] | Commercial Real Estate Nonresidential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 290,000	$ 0
% of total	0.03%	0%
Commercial [Member] | Payment Change [Member] | Dealer Floorplans [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0
% of total	0%	0%
Commercial [Member] | Payment Change [Member] | Commercial Other [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 1,333,000	$ 288,000
% of total	0.37%	0.09%
Residential [Member] | Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 1,916,000	$ 581,000
% of total	0.16%	0.05%
Residential [Member] | Interest Rate Reduction [Member] | Real Estate Mortgage [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 1,916,000	$ 581,000
% of total	0.18%	0.06%
Residential [Member] | Interest Rate Reduction [Member] | Home Equity Lines [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0
% of total	0%	0%
Residential [Member] | Term Extension [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 8,787,000	$ 5,677,000
% of total	0.73%	0.52%
Residential [Member] | Term Extension [Member] | Real Estate Mortgage [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 8,756,000	$ 5,431,000
% of total	0.84%	0.58%
Residential [Member] | Term Extension [Member] | Home Equity Lines [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 31,000	$ 246,000
% of total	0.02%	0.17%
Residential [Member] | Combination - Term Extension and Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 1,047,000	$ 1,226,000
% of total	0.09%	0.11%
Residential [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Real Estate Mortgage [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 865,000	$ 1,101,000
% of total	0.08%	0.12%
Residential [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Home Equity Lines [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 182,000	$ 125,000
% of total	0.11%	0.09%
Residential [Member] | Payment Change [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 42,000
% of total	0%	0%
Residential [Member] | Payment Change [Member] | Real Estate Mortgage [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0
% of total	0%	0%
Residential [Member] | Payment Change [Member] | Home Equity Lines [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 42,000
% of total	0%	0.03%
Consumer [Member] | Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0
% of total	0%	0%
Consumer [Member] | Interest Rate Reduction [Member] | Consumer Direct [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0
% of total	0%	0%
Consumer [Member] | Interest Rate Reduction [Member] | Consumer Indirect [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0
% of total	0%	0%
Consumer [Member] | Term Extension [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 430,000	$ 499,000
% of total	0.04%	0.05%
Consumer [Member] | Term Extension [Member] | Consumer Direct [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 119,000	$ 165,000
% of total	0.08%	0.10%
Consumer [Member] | Term Extension [Member] | Consumer Indirect [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 311,000	$ 334,000
% of total	0.04%	0.04%
Consumer [Member] | Combination - Term Extension and Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0
% of total	0%	0%
Consumer [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Consumer Direct [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0
% of total	0%	0%
Consumer [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Consumer Indirect [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0
% of total	0%	0%
Consumer [Member] | Payment Change [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 67,000	$ 18,000
% of total	0.01%	0%
Consumer [Member] | Payment Change [Member] | Consumer Direct [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 5,000	$ 18,000
% of total	0%	0.01%
Consumer [Member] | Payment Change [Member] | Consumer Indirect [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 62,000	$ 0
% of total	0.01%	0%

Loans, Financial Effect of Modi

Loans, Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Commitment to extend additional credit on loans modified in TDRs	$ 100	$ 16
Interest Rate Reduction [Member] | Commercial Real Estate Residential [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate, pre-modification		9.50%
Weighted-average contractual interest rate, post-modification		7.80%
Interest Rate Reduction [Member] | Commercial Real Estate Nonresidential [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate, pre-modification	1.40%	9.50%
Weighted-average contractual interest rate, post-modification	1.30%	7.50%
Interest Rate Reduction [Member] | Real Estate Mortgage [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate, pre-modification	7.70%	7%
Weighted-average contractual interest rate, post-modification	4.60%	4.40%
Term Extension [Member] | Hotel/Motel [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased	5 years
Term Extension [Member] | Commercial Real Estate Residential [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased	9 months 18 days	6 months
Term Extension [Member] | Commercial Real Estate Nonresidential [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased		1 month 6 days
Term Extension [Member] | Dealer Floorplans [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased	1 month 6 days
Term Extension [Member] | Commercial Other [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased	3 months 18 days	3 years
Term Extension [Member] | Real Estate Mortgage [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased	8 months 12 days	2 years 9 months 18 days
Term Extension [Member] | Home Equity Lines [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased	6 months	6 years 1 month 6 days
Term Extension [Member] | Consumer Direct [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased	1 month 6 days	9 months 18 days
Term Extension [Member] | Consumer Indirect [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased	9 months 18 days	3 months 18 days
Combination - Term Extension and Interest Rate Reduction [Member] | Commercial Real Estate Residential [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate, pre-modification	8.50%
Weighted-average term increased	4 years
Combination - Term Extension and Interest Rate Reduction [Member] | Commercial Real Estate Nonresidential [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate, pre-modification	6%
Weighted-average contractual interest rate, post-modification	8.50%
Weighted-average term increased	10 years 3 months 18 days
Combination - Term Extension and Interest Rate Reduction [Member] | Commercial Other [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate, pre-modification	5.30%	12.80%
Weighted-average contractual interest rate, post-modification	8.50%	11.30%
Weighted-average term increased	12 years 2 months 12 days	2 years 10 months 24 days
Combination - Term Extension and Interest Rate Reduction [Member] | Real Estate Mortgage [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate, pre-modification	6%	6.30%
Weighted-average contractual interest rate, post-modification	3.60%	5.80%
Weighted-average term increased	3 years 6 months	12 years 2 months 12 days
Combination - Term Extension and Interest Rate Reduction [Member] | Home Equity Lines [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate, pre-modification	9.20%	9.40%
Weighted-average contractual interest rate, post-modification	8.30%	8.10%
Weighted-average term increased	9 years 8 months 12 days	9 years 3 months 18 days

Loans, Payment Status of Modifi

Loans, Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	$ 918	$ 678
Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	24,352	26,817
30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	1,080	838
90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	685	393
Hotel/Motel [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	0	0
Hotel/Motel [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	1,954	1,955
Hotel/Motel [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Hotel/Motel [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Commercial Real Estate Residential [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	748	0
Commercial Real Estate Residential [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	885	2,128
Commercial Real Estate Residential [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	412
Commercial Real Estate Residential [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Commercial Real Estate Nonresidential [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	0	0
Commercial Real Estate Nonresidential [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	7,862	9,846
Commercial Real Estate Nonresidential [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Commercial Real Estate Nonresidential [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Dealer Floorplans [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	0	0
Dealer Floorplans [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	456	0
Dealer Floorplans [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Dealer Floorplans [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Commercial Other [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	5	287
Commercial Other [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	2,329	5,683
Commercial Other [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	518	371
Commercial Other [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	31	0
Real Estate Mortgage [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	165	370
Real Estate Mortgage [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	10,258	6,382
Real Estate Mortgage [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	460	0
Real Estate Mortgage [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	654	361
Home Equity Lines [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	0	21
Home Equity Lines [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	181	361
Home Equity Lines [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	32	0
Home Equity Lines [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	32
Consumer Direct [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	0	0
Consumer Direct [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	120	159
Consumer Direct [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	3	24
Consumer Direct [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Consumer Indirect [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	0	0
Consumer Indirect [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	307	303
Consumer Indirect [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	67	31
Consumer Indirect [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	$ 0	$ 0

Loans, Loans to Borrowers Exper

Loans, Loans to Borrowers Experiencing Financial Difficulty Segregated by Class Subsequently Defaulted (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) Loan	Dec. 31, 2023 USD ($) Loan
Loans to Borrowers Experiencing Financial Difficulty Segregated by Class [Abstract]
Loans experiencing financial difficulty, number of loans | Loan	10	2
Loans experiencing financial difficulty, recorded balance	$ 1,152	$ 751
Minimum [Member]
Loans to Borrowers Experiencing Financial Difficulty Segregated by Class [Abstract]
Past due period for loan to be considered in default	90 days
Unfunded Loan Commitment [Member]
Loans to Borrowers Experiencing Financial Difficulty Segregated by Class [Abstract]
Off-balance sheet credit exposure	$ 1,500	$ 1,500
Commercial [Member] | Commercial Other [Member]
Loans to Borrowers Experiencing Financial Difficulty Segregated by Class [Abstract]
Loans experiencing financial difficulty, number of loans | Loan	4
Loans experiencing financial difficulty, recorded balance	$ 305
Residential [Member] | Real Estate Mortgage [Member]
Loans to Borrowers Experiencing Financial Difficulty Segregated by Class [Abstract]
Loans experiencing financial difficulty, number of loans | Loan	6	2
Loans experiencing financial difficulty, recorded balance	$ 847	$ 751

Mortgage Banking and Servicin_3

Mortgage Banking and Servicing Rights (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Mortgage Banking and Servicing Rights [Abstract]
Net gain on sale of mortgage loans held for sale		$ 294	$ 395	$ 1,525
Net loan servicing income [Abstract]
Servicing fees		$ 1,946	$ 2,080	$ 2,226
Contractually Specified Servicing Fee Income, Statement of Income or Comprehensive Income [Extensible Enumeration]		Loan Related Fees	Loan Related Fees	Loan Related Fees
Late fees		$ 60	$ 81	$ 78
Late Fee Income, Servicing Financial Asset, Statement of Income or Comprehensive Income [Extensible Enumeration]		Interest and Dividend Income, Operating	Interest and Dividend Income, Operating	Interest and Dividend Income, Operating
Ancillary fees		$ 43	$ 36	$ 94
Ancillary Fee Income, Servicing Financial Asset, Statement of Income or Comprehensive Income [Extensible Enumeration]		Loan Related Fees	Loan Related Fees	Loan Related Fees
Fair value adjustments		$ (431)	$ (965)	$ 1,069
Net loan servicing income		1,618	1,232	3,467
Mortgage banking income		1,912	1,627	4,992
Loan service for benefit of others		667,000	725,000	783,000
Custodial escrow balance		2,200	2,500	3,000
Activity for capitalized MSRs using fair value method [Roll Forward]
Fair value of MSRs, beginning of year		7,665	8,468	6,774
New servicing assets created		123	162	625
Change in fair value during the year due to: [Abstract]
Time decay	[1]	(428)	(430)	(450)
Payoffs	[2]	(315)	(347)	(429)
Changes in valuation inputs or assumptions	[3]	312	(188)	1,948
Fair value of MSRs, end of year		$ 7,357	$ 7,665	$ 8,468
Discount rate of servicing assets and servicing liabilities		10.10%	10%	10%
Weighted average default rates		1.66%	0.95%	1.24%
Prepayment speeds generated using Andrew Davidson Prepayment Model		6.60%	7.50%	7.10%
[1]Represents decrease in value due to regularly scheduled loan principal payments and partial loan paydowns.[2]Represents decrease in value due to loans that paid off during the period.[3]Represents change in value resulting from market-driven changes in interest rates.

Related Party Transactions (Det

Related Party Transactions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Loans and Leases Receivable, Related Parties [Roll Forward]
Related party extensions of credit, beginning of year	$ 35,315	$ 42,067
New loans and advances on lines of credit	0	980
Repayments	(1,022)	(7,502)
Decrease due to changes in related parties	(5,136)	(230)
Related party extensions of credit, end of year	29,157	35,315	$ 42,067
Due to Related Parties [Abstract]
Balances of related party deposits	29,500	28,300
Related Parties Transactions [Abstract]
Legal fees	1,090	1,131	1,159
Director Who is Shareholder in Law Firm [Member] | Law Firm [Member]
Related Parties Transactions [Abstract]
Legal fees	500	400	400
Expenses	100	100	100
Total payment to related party	$ 600	$ 500	$ 500

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	$ 137,732	$ 130,272
Less accumulated depreciation and amortization	(88,102)	(84,961)
Premises and equipment, net	49,630	45,311
Depreciation and amortization of premises and equipment	3,700	3,600	$ 3,300
Land and Buildings [Member]
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	88,859	82,929
Leasehold Improvements [Member]
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	5,068	4,858
Furniture, Fixtures, and Equipment [Member]
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	41,413	39,695
Construction in Progress [Member]
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, gross	$ 2,392	$ 2,790

Other Real Estate Owned, Activi

Other Real Estate Owned, Activity For Other Real Estate Owned (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Activity for other real estate owned [Roll Forward]
Beginning balance of other real estate owned	$ 1,616	$ 3,671
New assets acquired	3,160	658
Capitalized costs	13	47
Fair value adjustments	(105)	(211)
Sale of assets	(1,037)	(2,549)
Ending balance of other real estate owned	3,647	1,616	$ 3,671
Carrying cost and fair value adjustments for foreclosed properties	$ 200	$ 300	$ 500

Other Real Estate Owned, Major

Other Real Estate Owned, Major Classifications of Foreclosed Properties (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	$ 3,647	$ 1,616
1-4 Family [Member]
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	806	827
Construction/Land Development/Other [Member]
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	395	383
Multifamily [Member]
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	0	0
Non-farm/Non-residential [Member]
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	$ 2,446	$ 406

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deposits [Abstract]
Noninterest bearing deposits	$ 1,242,676	$ 1,260,690
Interest bearing demand deposits	167,736	123,927
Money market deposits	1,781,415	1,525,537
Savings	511,378	535,063
Certificates of deposit and other time deposits of $100,000 or more	862,671	766,691
Certificates of deposit and other time deposits less than $100,000	504,313	512,714
Total deposits	5,070,189	4,724,622
Certificates of deposit and other time deposits of $250,000 or more	396,300	$ 318,000
Maturities of Time Deposits [Abstract]
Total	1,366,984
Within 1 Year	1,271,114
2 Years	47,120
3 Years	15,865
4 Years	18,190
5 Years	14,382
After 5 Years	313
Certificates of Deposit and Other Time Deposits of $100,000 or More [Member]
Maturities of Time Deposits [Abstract]
Total	862,671
Within 1 Year	811,154
2 Years	26,051
3 Years	5,824
4 Years	12,319
5 Years	7,323
After 5 Years	0
Certificates of Deposit and Other Time Deposits Less Than $100,000 [Member]
Maturities of Time Deposits [Abstract]
Total	504,313
Within 1 Year	459,960
2 Years	21,069
3 Years	10,041
4 Years	5,871
5 Years	7,059
After 5 Years	$ 313

Borrowings, Short-term Debt (De

Borrowings, Short-term Debt (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Short-term Debt [Abstract]
Repurchase agreements	$ 240,166	$ 225,245
Federal funds purchased	500	500
Total short-term debt	$ 240,666	$ 225,745
Federal Funds Purchased [Member]
Short-term Debt [Abstract]
Average interest rate	4.30%
Repurchase Agreements [Member]
Short-term Debt [Abstract]
Average interest rate	4.05%
Maximum balance for repurchase agreements at any month-end	$ 240,200
Average balance of repurchase agreements	$ 228,600

Borrowings, Long-term Debt (Det

Borrowings, Long-term Debt (Details) - USD ($) $ in Thousands					1 Months Ended		12 Months Ended
	Nov. 27, 2024	Jan. 27, 2023	Apr. 02, 2007	Mar. 30, 2007	Aug. 31, 2019	May 31, 2017	Dec. 31, 2024	Dec. 31, 2023
Long-term debt [Abstract]
Total long-term debt							$ 64,016	$ 64,241
3-Month CME Term SOFR [Member]
Long-term debt [Abstract]
Term of variable rate		3 months
Basis spread on variable rate	1.59%	0.26161%
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]	SOFR [Member]	SOFR [Member]
3-Month CME Term SOFR [Member] | SOFR [Member]
Long-term debt [Abstract]
Term of variable rate							3 months
6-Month CME Term SOFR [Member]
Long-term debt [Abstract]
Term of variable rate		6 months
Basis spread on variable rate		0.42826%
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]		SOFR [Member]
6-Month CME Term SOFR [Member] | SOFR [Member]
Long-term debt [Abstract]
Term of variable rate							6 months
Junior Subordinated Debentures [Member]
Long-term debt [Abstract]
Issuance of debt				$ 61,300
Total long-term debt							$ 57,841	57,841
Interest rate on junior subordinated debentures	6.35098%			6.52%			6.35%
Maturity date of junior subordinated debentures							Jun. 01, 2037
Maturity period of debentures							30 years
Period after which debentures are redeemable							5 years
Repayment of debt			$ 61,300
Debt instrument, repurchased face amount					$ 1,500	$ 2,000
Debt instrument, purchase price					1,300	1,400
Gain on repurchase of debt instrument					$ 200	$ 600
Junior Subordinated Debentures [Member] | LIBOR Rate [Member]
Long-term debt [Abstract]
Term of variable rate							3 months
Basis spread on variable rate				1.59%
Junior Subordinated Debentures [Member] | Subordinated Debentures 9.0% [Member]
Long-term debt [Abstract]
Interest rate on junior subordinated debentures			9%
Junior Subordinated Debentures [Member] | Subordinated Debentures 8.25% [Member]
Long-term debt [Abstract]
Interest rate on junior subordinated debentures							8.25%
Junior Subordinated Debentures [Member] | 3-Month CME Term SOFR [Member] | SOFR [Member]
Long-term debt [Abstract]
Term of variable rate							3 months
Basis spread on variable rate	0.26161%
Reference rate	4.49937%
Loan Related Borrowings [Member]
Long-term debt [Abstract]
Total long-term debt							$ 6,175	$ 6,400
Interest rate on junior subordinated debentures							3.25%
Maturity date of junior subordinated debentures							Sep. 17, 2044
Unconsolidated Delaware Statutory Trust Subsidiary [Member]
Long-term debt [Abstract]
Issuance of capital securities in a private placement				$ 59,500

Repurchase Agreements (Details)

Repurchase Agreements (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	$ 1,055,728	$ 1,163,724
Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	240,166	225,245
Securities Sold under Agreements to Repurchase [Member] | Asset Pledged as Collateral [Member]
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	292,200	296,600
Overnight and Continuous [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	154,093	139,317
Up to 30 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	500	500
30-90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	49,300	49,300
Greater Than 90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	36,273	36,128
U.S. Treasury and Government Agencies [Member]
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	341,495	354,817
U.S. Treasury and Government Agencies [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	56,390	46,632
U.S. Treasury and Government Agencies [Member] | Overnight and Continuous [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	23,240	21,156
U.S. Treasury and Government Agencies [Member] | Up to 30 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	11	19
U.S. Treasury and Government Agencies [Member] | 30-90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	7,657	1,817
U.S. Treasury and Government Agencies [Member] | Greater Than 90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	25,482	23,640
State and Political Subdivisions [Member]
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	253,557	264,945
State and Political Subdivisions [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	120,252	107,715
State and Political Subdivisions [Member] | Overnight and Continuous [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	108,775	98,053
State and Political Subdivisions [Member] | Up to 30 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	489	481
State and Political Subdivisions [Member] | 30-90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	7,288	5,962
State and Political Subdivisions [Member] | Greater Than 90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	3,700	3,219
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	409,709	456,736
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	59,202	68,328
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | Overnight and Continuous [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	17,756	17,538
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | Up to 30 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	0	0
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | 30-90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	34,355	41,521
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | Greater Than 90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	7,091	9,269
Asset-backed Securities [Member]
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	50,967	87,226
Asset-backed Securities [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	4,322	2,570
Asset-backed Securities [Member] | Overnight and Continuous [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	4,322	2,570
Asset-backed Securities [Member] | Up to 30 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	0	0
Asset-backed Securities [Member] | 30-90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	0	0
Asset-backed Securities [Member] | Greater Than 90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	$ 0	$ 0

Advances from Federal Home Lo_3

Advances from Federal Home Loan Bank (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Federal Home Loan Bank [Abstract]
Total FHLB advances	$ 314	$ 334
Monthly Amortizing Advances [Member]
Federal Home Loan Bank [Abstract]
Total FHLB advances	314	$ 334
Within 1 Year	22
2 Years	20
3 Years	21
4 Years	20
5 Years	20
After 5 Years	211
Federal Home Loan Bank Advances [Member]
Federal Home Loan Bank [Abstract]
Federal home loan bank stock used as collateral for advances	5,100
FHLB maximum borrowing capacity	589,000
Federal home loan bank advances available	$ 485,000
Federal Home Loan Bank Advances [Member] | Minimum [Member]
Federal Home Loan Bank [Abstract]
Federal home loan bank advances, interest rate	0%
Federal Home Loan Bank Advances [Member] | Maximum [Member]
Federal Home Loan Bank [Abstract]
Federal home loan bank advances, interest rate	2%
Federal Home Loan Bank Advances [Member] | Weighted Average [Member]
Federal Home Loan Bank [Abstract]
Federal home loan bank advances, interest rate	0.04%
Federal Home Loan Bank Advances [Member] | Letters of Credit [Member]
Federal Home Loan Bank [Abstract]
Letters of credit	$ 103,700
Federal Home Loan Bank Advances [Member] | Monthly Amortizing Advances [Member] | Weighted Average [Member]
Federal Home Loan Bank [Abstract]
Federal home loan bank advances, interest rate	0.04%	0.04%

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Components of the provision for income taxes, exclusive of tax effect of unrealized AFS securities gains and losses [Abstract]
Current federal income tax expense	$ 19,746	$ 14,954	$ 14,882
Current state income tax expense	5,859	4,901	1,096
Deferred federal income tax expense (benefit)	(1,452)	382	194
Deferred state income tax expense (benefit)	(280)	327	3,056
Total income tax expense	23,873	20,564	19,228
Reconciliation of income tax expense at the statutory rate to actual income tax expense [Abstract]
Computed at the statutory rate	22,404	20,699	21,219
Adjustments resulting from [Abstract]
Tax-exempt interest	(353)	(637)	(717)
Housing and new markets credits	(1,292)	(3,205)	(3,105)
Bank owned life insurance	(831)	(496)	(367)
ESOP dividend deduction	(276)	(259)	(240)
Stock option exercises and restricted stock vesting	(73)	(8)	(1)
State income taxes	4,407	4,131	3,281
Split dollar life insurance	58	126	(184)
Other	(171)	213	(658)
Total income tax expense	$ 23,873	$ 20,564	$ 19,228
Reconciliation of income tax expense at the statutory rate to actual income tax expense [Abstract]
Computed at the statutory rate	21%	21%	21%
Adjustments resulting from [Abstract]
Tax-exempt interest	(0.33%)	(0.65%)	(0.70%)
Housing and new markets credits	(1.21%)	(3.25%)	(3.07%)
Bank owned life insurance	(0.78%)	(0.50%)	(0.36%)
ESOP dividend deduction	(0.26%)	(0.26%)	(0.24%)
Stock option exercises and restricted stock vesting	(0.07%)	(0.01%)	0%
State income taxes	4.13%	4.19%	3.25%
Split dollar life insurance	0.06%	0.13%	(0.19%)
Other	(0.16%)	0.21%	(0.66%)
Total	22.38%	20.86%	19.03%
Deferred tax assets [Abstract]
Allowance for credit losses	$ 13,715	$ 12,361
Interest on nonaccrual loans	451	277
Accrued expenses	2,150	1,633
Unrealized losses on AFS securities	32,665	34,311
Allowance for other real estate owned	22	49
Lease liabilities	3,790	4,090
Limited partnership investments	78
Other	937	790
Total deferred tax assets	53,808	53,511
Deferred tax liabilities [Abstract]
Depreciation and amortization	(15,207)	(14,927)
FHLB stock dividends	(12)	(341)
Loan fee income	(1,888)	(1,519)
Mortgage servicing rights	(1,836)	(1,912)
Limited partnership investments	0	(843)
Right of use assets	(3,589)	(3,918)
Other	(2,211)	(1,910)
Total deferred tax liabilities	(24,743)	(25,370)
Net deferred tax asset	$ 29,065	$ 28,141

Income Taxes, Tax Investments (

Income Taxes, Tax Investments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Mar. 31, 2024
Tax Investments [Abstract]
Retained earnings	$ 531,861	$ 484,400
Accounting Standards Update 2023-02 [Member]
Tax Investments [Abstract]
Amortization expenses recognized	$ 3,000
Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Income or Comprehensive Income [Extensible Enumeration]	Income tax benefit
Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Cash Flows [Extensible Enumeration]	Income tax benefit
Income tax credits and other tax benefits recognized	$ 4,300
Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, after Amortization, Statement of Income or Comprehensive Income [Extensible Enumeration]	Income tax benefit
Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, after Amortization, Statement of Cash Flows [Extensible Enumeration]	Income tax benefit
Tax investments	$ 16,100
Investment, Proportional Amortization Method, Elected, Statement of Financial Position [Extensible Enumeration]	Other assets
Impairment recognized resulting from the forfeiture or ineligibility of income tax credits or other circumstances	$ 0
Unfunded commitment	4,500
Accounting Standards Update 2023-02 [Member] | Pre-Tax Income [Member]
Tax Investments [Abstract]
Investment income or loss	0
Accounting Standards Update 2023-02 [Member] | Unfunded Commitment [Member]
Unfunded Commitments [Abstract]
2025	2,682
2026	995
2027	146
2028	146
2029	143
After	$ 365
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2023-02 [Member]
Tax Investments [Abstract]
Retained earnings			$ (2,000)
Amortization expenses recognized		$ 2,600
Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Income or Comprehensive Income [Extensible Enumeration]		Other noninterest expense

Employee Benefits, Summary (Det

Employee Benefits, Summary (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($) h Plan shares	Dec. 31, 2023 USD ($) shares	Dec. 31, 2022 USD ($) shares
Employee Benefits [Abstract]
Number of retirement savings plan | Plan	2
401(k) Plan [Member]
Defined Contribution Plan [Abstract]
Minimum age of employees to participate in plan	21 years
Minimum requisite service period to participate in retirement plans	1 year
Minimum annual working hours required to participate in plan | h	1,000
Service requirement for participant contributions period	90 days
Percentage of employee contribution, minimum	1%
Percentage of employee contribution, maximum	20%
Employer matching contribution	50%
Maximum contribution on employees gross pay	8%
Contribution by employer under 401(K) plan | $	$ 1.4	$ 1.2	$ 1.2
Number of allocated shares under 401 (K) plan (in shares) | shares	304,554	367,106	348,859
Employee Stock Ownership Plan ("ESOP") [Member]
Employee Stock Ownership Plan (ESOP) Disclosures [Abstract]
Minimum age of employees to participate under ESOP	21 years
Minimum requisite service period to participate under ESOP	1 year
Minimum annual working hours required to participate under ESOP | h	1,000
Maximum annual contribution percentage under ESOP	4%
Contributions to ESOP by employer | $	$ 2	$ 1.8	$ 1.7
Number of allocated shares under ESOP (in shares) | shares	760,396	772,351	734,677

Employee Benefits, Stock-Based

Employee Benefits, Stock-Based Compensation (Details)		1 Months Ended	12 Months Ended
		Jan. 31, 2016 shares	Dec. 31, 2024 USD ($) Plan $ / shares shares	Dec. 31, 2023 USD ($) $ / shares shares	Dec. 31, 2022 USD ($) $ / shares shares
Stock-based Compensation [Abstract]
Number of active incentive stock option plan | Plan			1
Number of inactive incentive stock option plan | Plan			1
Number of shares to be issued upon exercise of outstanding stock-based awards and remaining shares available for future issuance [Abstract]
Shares available for future issuance (in shares)			336,000
Unrecognized compensation cost, grant date fair value of vested shares, cash received from option exercises, and actual tax benefit realized [Abstract]
Unrecognized compensation cost of nonvested share-based compensation arrangements granted under the plan at year-end | $			$ 2,277,000	$ 2,954,000	$ 2,108,000
Total fair value of shares vested for the year | $			954,000	974,000	1,306,000
Cash received from option exercises under all share-based payment arrangements for the year | $			645,000	0	0
Tax benefit realized for the tax deductions from option exercises of the share-based payment arrangements for the year | $			$ 84,000	$ 0	$ 0
Expected period for recognition of unrecognized compensation cost			2 years 4 months 24 days
Stock Options [Member]
Number of shares to be issued upon exercise of outstanding stock-based awards and remaining shares available for future issuance [Abstract]
Number of shares to be issued upon exercise (in shares)			0
Weighted average price (in dollars per share) | $ / shares			$ 0
Grants (in shares)			0	0	0
Shares available for future issuance (in shares)	[1]		336,000
Restricted Stock [Member]
Stock-based Compensation [Abstract]
Shares authorized (in shares)			550,000
Number of shares to be issued upon exercise of outstanding stock-based awards and remaining shares available for future issuance [Abstract]
Number of shares to be issued upon exercise (in shares)	[2]
Weighted average price (in dollars per share) | $ / shares	[3]
Maximum number of shares to be grant to a participant (in shares)			75,000
Shares available for future issuance (in shares)	[1]
Performance Units [Member]
Stock-based Compensation [Abstract]
Number of shares issued to date (in shares)			0
Number of shares to be issued upon exercise of outstanding stock-based awards and remaining shares available for future issuance [Abstract]
Number of shares to be issued upon exercise (in shares)	[4]
Weighted average price (in dollars per share) | $ / shares	[3]
Maximum amount of shares to be grant to a participant | $			$ 1,000,000
Shares available for future issuance (in shares)	[1]
Stock Appreciation Rights (SARs) [Member]
Stock-based Compensation [Abstract]
Number of shares issued to date (in shares)			0
Number of shares to be issued upon exercise of outstanding stock-based awards and remaining shares available for future issuance [Abstract]
Number of shares to be issued upon exercise (in shares)	[5]
Weighted average price (in dollars per share) | $ / shares	[3]
Maximum number of shares to be grant to a participant (in shares)			100,000
Shares available for future issuance (in shares)	[1]
2015 Plan [Member]
Stock-based Compensation [Abstract]
Shares authorized (in shares)			550,000
Number of shares issued to date (in shares)			221,949
Number of shares to be issued upon exercise of outstanding stock-based awards and remaining shares available for future issuance [Abstract]
Shares available, beginning of period (in shares)			348,146
Forfeitures (in shares)			2,437
Shares available for future issuance (in shares)			335,583	348,146
2015 Plan [Member] | Stock Options [Member]
Number of shares to be issued upon exercise of outstanding stock-based awards and remaining shares available for future issuance [Abstract]
Grants (in shares)			0	0	0
2015 Plan [Member] | Restricted Stock [Member]
Number of shares to be issued upon exercise of outstanding stock-based awards and remaining shares available for future issuance [Abstract]
Shares issued (in shares)		18,069
Grants (in shares)			(15,000)
Restricted stock activity, grants [Roll Forward]
Outstanding at beginning of year (in shares)			96,840	68,137	47,063
Granted (in shares)			15,000	52,865	50,438
Vested (in shares)			(22,831)	(23,372)	(29,364)
Forfeited (in shares)			(2,437)	(790)	0
Outstanding at end of year (in shares)			86,572	96,840	68,137
Restricted stock activity, weighted average fair value at grant [Roll Forward]
Outstanding at beginning of year (in dollars per share) | $ / shares			$ 43.75	$ 44.13	$ 42.9
Granted (in dollars per share) | $ / shares			41.29	43.1	45.15
Vested (in dollars per share) | $ / shares			43.37	43.32	43.92
Forfeited (in dollars per share) | $ / shares			42.87	44.87	0
Outstanding at end of year (in dollars per share) | $ / shares			$ 43.45	$ 43.75	$ 44.13
2006 Plan [Member] | Stock Options [Member]
Options, number of shares [Roll Forward]
Outstanding at beginning of year (in shares)			20,000	20,000	20,000
Exercised (in shares)			20,000	0	0
Outstanding at end of year (in shares)			0	20,000	20,000
Exercisable at end of year (in shares)			0	20,000	20,000
Options, weighted average exercise price [Abstract]
Outstanding, beginning of period (in dollars per share) | $ / shares			$ 32.27	$ 32.27	$ 32.27
Exercised (in dollars per share) | $ / shares			32.27	0	0
Outstanding, end of period (in dollars per share) | $ / shares			0	32.27	32.27
Exercisable, end of period (in dollars per share) | $ / shares			$ 0	$ 32.27	$ 32.27
Options, additional disclosures [Abstract]
Intrinsic value of options exercised | $			$ 335,000	$ 0	$ 0
Intrinsic value of options exercisable | $			0	232,000	273,000
Intrinsic value of outstanding options | $			$ 0	$ 232,000	$ 273,000
2006 Plan [Member] | Restricted Stock [Member]
Restricted stock activity, grants [Roll Forward]
Outstanding at beginning of year (in shares)			0	0
Outstanding at end of year (in shares)			0	0	0
2025 Plan [Member]
Stock-based Compensation [Abstract]
Shares authorized (in shares)			550,000
Number of shares issued to date (in shares)			0
Number of shares to be issued upon exercise of outstanding stock-based awards and remaining shares available for future issuance [Abstract]
Maximum number of shares to be grant to a participant (in shares)			100,000
Grants (in shares)			0
[1]Under the 2025 Plan, which became effective February 1, 2025,550,000 shares are authorized for issuance; no shares have been issued as of December 31, 2024.  The maximum number of stock options that may be granted to a participant during any calendar year is 100,000 shares.  Under the 2015 Plan, 550,000 shares were authorized for issuance; 221,949 had been issued as of December 31, 2024.  In January of 2016, 18,069 restricted stock shares were issued under the terms of the 2015 Plan pursuant to awards granted under the 2006 Plan.  The 2015 Plan was rendered inactive on February 1, 2025.[2]The maximum number of shares of restricted stock that may be granted is 550,000 shares, and the maximum that may be granted to a participant during any calendar year is 75,000 shares.[3]Not applicable.[4]No performance units payable in stock had been issued as of December 31, 2024.  The maximum payment that can be made pursuant to performance units granted to any one participant in any calendar year is $1,000,000.[5]No SARS have been issued.  The maximum number of shares with respect to which SARs may be granted to a participant during any calendar year is 100,000 shares.

Leases (Details)

Leases (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) Lease	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Finance Leases [Abstract]
Number of finance leases | Lease	1
Finance lease cost [Abstract]
Amortization of right-of-use assets - finance leases	$ 124	$ 166
Interest on lease liabilities - finance leases	158	118
Total finance lease cost	282	284
Short-term lease cost	98	92
Operating lease cost	1,880	1,888
Total lease cost	2,260	2,264
Sublease income	(282)	(273)
Net lease cost	1,978	1,991
Supplemental Cash Flow Information Related to CTBI's Operating and Finance Lease [Abstract]
Finance lease - operating cash flows	130	128
Finance lease - financing cash flows	0	33	$ 24
Operating lease - operating cash flows (fixed payments)	1,893	1,889
Operating lease - operating cash flows (liability reduction)	1,495	1,455
New right-of-use assets - operating leases	0	358
New right-of-use assets - finance leases	$ 0	$ 0
Weighted average lease term - financing leases	25 years 1 month 28 days	26 years 1 month 13 days
Weighted average lease term - operating leases	13 years 1 month 17 days	13 years 2 months 12 days
Weighted average discount rate - financing leases	4.91%	4.90%
Weighted average discount rate - operating leases	3.57%	3.56%
Maturities of Operating Lease Liabilities [Abstract]
2025/2024	$ 1,790	$ 1,877
2026/2025	1,782	1,782
2027/2026	1,672	1,774
2028/2027	1,314	1,656
2029/2028	826	1,257
Thereafter	7,535	8,137
Total lease payments	14,919	16,483
Less imputed interest	(3,168)	(3,525)
Total	11,751	12,958
Maturities of Finance Lease Liabilities [Abstract]
2025/2024	157	154
2026/2025	167	159
2027/2026	174	170
2028/2027	179	174
2029/2028	183	179
Thereafter	5,887	6,070
Total lease payments	6,747	6,906
Less imputed interest	(3,308)	(3,471)
Total	$ 3,439	$ 3,435
Minimum [Member]
Operating Leases [Abstract]
Remaining lease terms	1 year
Maximum [Member]
Operating Leases [Abstract]
Remaining lease terms	45 years
Term of lease renewal	5 years

Fair Value of Financial Asset_3

Fair Value of Financial Assets and Liabilities, Fair Value Measurements of Assets Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	$ 1,055,728	$ 1,163,724
Equity securities at fair value	3,781	3,158
Liabilities measured - recurring basis [Abstract]
Liabilities	0	0
U.S. Treasury and Government Agencies [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	341,495	354,817
State and Political Subdivisions [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	253,557	264,945
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	409,709	456,736
Asset-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	50,967	87,226
Recurring [Member]
Assets measured - recurring basis [Abstract]
Equity securities at fair value	3,781	3,158
Mortgage servicing rights	7,357	7,665
Recurring [Member] | U.S. Treasury and Government Agencies [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	341,495	354,817
Recurring [Member] | State and Political Subdivisions [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	253,557	264,945
Recurring [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	409,709	456,736
Recurring [Member] | Asset-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	50,967	87,226
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets measured - recurring basis [Abstract]
Equity securities at fair value	0	0
Mortgage servicing rights	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Treasury and Government Agencies [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	328,569	336,285
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | State and Political Subdivisions [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Asset-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets measured - recurring basis [Abstract]
Equity securities at fair value	0	0
Mortgage servicing rights	0	0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Treasury and Government Agencies [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	12,926	18,532
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | State and Political Subdivisions [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	253,557	264,945
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	409,709	456,736
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Asset-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	50,967	87,226
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets measured - recurring basis [Abstract]
Equity securities at fair value	3,781	3,158
Mortgage servicing rights	7,357	7,665
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Treasury and Government Agencies [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | State and Political Subdivisions [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Asset-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	$ 0	$ 0

Fair Value of Financial Asset_4

Fair Value of Financial Assets and Liabilities, Level 3 Reconciliation and Noninterest Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Noninterest Income [Abstract]
Total gains	$ 192	$ 27
Recurring [Member] | Equity Securities at Fair Value [Member]
Reconciliation of beginning and ending balances of recurring fair value measurements recognized in balance sheet using significant unobservable (Level 3) inputs [Roll Forward]
Beginning balance	3,158	2,166
Total unrealized gains (losses) included in net income	623	992
Issues	0	0
Settlements	0	0
Ending balance	3,781	3,158
Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date	623	992
Recurring [Member] | Mortgage Servicing Rights [Member]
Reconciliation of beginning and ending balances of recurring fair value measurements recognized in balance sheet using significant unobservable (Level 3) inputs [Roll Forward]
Beginning balance	7,665	8,468
Total unrealized gains (losses) included in net income	312	(188)
Issues	123	162
Settlements	(743)	(777)
Ending balance	7,357	7,665
Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date	$ 312	$ (188)

Fair Value of Financial Asset_5

Fair Value of Financial Assets and Liabilities, Fair Value Measurements of Assets Measured on Nonrecurring Basis (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	$ 8,310	$ 8,397
Minimum [Member]
Other real estate owned [Abstract]
Typical frequency of periodic reviews	12 months
Maximum [Member]
Other real estate owned [Abstract]
Typical frequency of periodic reviews	18 months
Frequency of periodic reviews in general	24 months
Nonrecurring [Member]
Collateral dependent loans [Abstract]
Fair value adjustments on collateral dependent loans	$ 100	300
Other real estate owned [Abstract]
Other real estate owned, fair value adjustment	100	100
Nonrecurring [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	8,310	8,397
Other real estate owned	731	205
Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	0	0
Other real estate owned	0	0
Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	0	0
Other real estate owned	0	0
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	8,310	8,397
Other real estate owned	$ 731	$ 205

Fair Value of Financial Asset_6

Fair Value of Financial Assets and Liabilities, Quantitative Information about Unobservable Inputs (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value	$ 3,781	$ 3,158
Mortgage servicing rights	7,357	7,665
Collateral dependent loans	8,310	8,397
Other real estate owned	$ 731	$ 205
Conversion Rate [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	1.5653
Dividend Rate [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	0.9235
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Discount Rate [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	0.08	0.15
Mortgage servicing rights, measurement input	0.095	0.095
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Discount Rate [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	0.12	0.25
Mortgage servicing rights, measurement input	0.123	0.12
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Discount Rate [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	0.10	0.20
Mortgage servicing rights, measurement input	0.101	0.10
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Conversion Date [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input, conversion date	Dec. 31, 2025	Dec. 31, 2028
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Conversion Date [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input, conversion date	Dec. 31, 2029	Dec. 31, 2032
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Conversion Date [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input, conversion date	Dec. 31, 2027	Dec. 31, 2030
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Constant Prepayment Rate [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	0	0
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Constant Prepayment Rate [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	0.212	0.776
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Constant Prepayment Rate [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	0.066	0.075
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Probability of Default [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	0	0
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Probability of Default [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	1	0.667
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Probability of Default [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	0.017	0.01
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Marketability Discount [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Collateral dependent loans, measurement input	0.115	0.109
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Marketability Discount [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Collateral dependent loans, measurement input	0.189	0.196
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Marketability Discount [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Collateral dependent loans, measurement input	0.126	0.122
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Comparability Adjustment [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Other real estate owned, measurement input	0.10	0.10
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Comparability Adjustment [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Other real estate owned, measurement input	0.5853	0.239
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Comparability Adjustment [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Other real estate owned, measurement input	0.422	0.175

Fair Value of Financial Asset_7

Fair Value of Financial Assets and Liabilities, Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financial assets [Abstract]
Debt securities available-for-sale	$ 1,055,728	$ 1,163,724
Equity securities at fair value	3,781	3,158
Federal Reserve Bank stock	4,887	4,887
Carrying Amount [Member]
Financial assets [Abstract]
Cash and cash equivalents	369,505	271,400
Certificates of deposit in other banks	245	245
Debt securities available-for-sale	1,055,728	1,163,724
Equity securities at fair value	3,781	3,158
Loans held for sale	184	152
Loans, net	4,431,669	4,001,363
Federal Home Loan Bank stock	5,062	4,712
Federal Reserve Bank stock	4,887	4,887
Accrued interest receivable	24,758	23,575
Financial liabilities [Abstract]
Deposits	5,070,189	4,724,622
Repurchase agreements	240,166	225,245
Federal funds purchased	500	500
Advances from Federal Home Loan Bank	314	334
Long-term debt	64,016	64,241
Accrued interest payable	8,378	7,389
Unrecognized financial instruments [Abstract]
Letters of credit	0	0
Commitments to extend credit	0	0
Forward sale commitments	0	0
Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial assets [Abstract]
Cash and cash equivalents	369,505	271,400
Certificates of deposit in other banks	0	0
Debt securities available-for-sale	328,569	336,285
Equity securities at fair value	0	0
Loans held for sale	188	154
Loans, net	0	0
Federal Home Loan Bank stock	0	0
Federal Reserve Bank stock	0	0
Accrued interest receivable	0	0
Financial liabilities [Abstract]
Deposits	1,242,676	1,260,690
Repurchase agreements	0	0
Federal funds purchased	0	0
Advances from Federal Home Loan Bank	0	0
Long-term debt	0	0
Accrued interest payable	0	0
Unrecognized financial instruments [Abstract]
Letters of credit	0	0
Commitments to extend credit	0	0
Forward sale commitments	0	0
Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Certificates of deposit in other banks	245	245
Debt securities available-for-sale	727,159	827,439
Equity securities at fair value	0	0
Loans held for sale	0	0
Loans, net	0	0
Federal Home Loan Bank stock	5,062	4,712
Federal Reserve Bank stock	4,887	4,887
Accrued interest receivable	24,758	23,575
Financial liabilities [Abstract]
Deposits	3,598,253	3,480,806
Repurchase agreements	0	0
Federal funds purchased	500	500
Advances from Federal Home Loan Bank	322	349
Long-term debt	0	0
Accrued interest payable	8,378	7,389
Unrecognized financial instruments [Abstract]
Letters of credit	0	0
Commitments to extend credit	0	0
Forward sale commitments	0	0
Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Certificates of deposit in other banks	0	0
Debt securities available-for-sale	0	0
Equity securities at fair value	3,781	3,158
Loans held for sale	0	0
Loans, net	4,166,636	3,745,477
Federal Home Loan Bank stock	0	0
Federal Reserve Bank stock	0	0
Accrued interest receivable	0	0
Financial liabilities [Abstract]
Deposits	0	0
Repurchase agreements	240,213	225,187
Federal funds purchased	0	0
Advances from Federal Home Loan Bank	0	0
Long-term debt	52,394	50,326
Accrued interest payable	0	0
Unrecognized financial instruments [Abstract]
Letters of credit	0	0
Commitments to extend credit	0	0
Forward sale commitments	$ 0	$ 0

Off-Balance Sheet Transaction_3

Off-Balance Sheet Transactions and Guarantees (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Fair Value, Off-balance Sheet Risks Transactions and Guarantees [Abstract]
Total off-balance sheet financial instruments	$ 941,233	$ 1,036,019
Mortgage loans held for sale	184	152
Standby Letters of Credit [Member]
Fair Value, Off-balance Sheet Risks Transactions and Guarantees [Abstract]
Total off-balance sheet financial instruments	38,796	38,861
Credit loss reserve	$ 200
Percentage of standby letters of credit secured	72%
Standby letters of credit secured by cash	$ 22,500
Standby letters of credit secured	27,800
Commitments to Extend Credit [Member]
Fair Value, Off-balance Sheet Risks Transactions and Guarantees [Abstract]
Total off-balance sheet financial instruments	902,437	997,158
Credit loss reserve	1,500
Fixed rate loan commitments amount	$ 122,000
Period of commitment to sell the loans at specified prices	60 days
Total mortgage loans in process	$ 0	400
Mortgage loans held for sale	$ 200	$ 200
Commitments to Extend Credit [Member] | Minimum [Member]
Fair Value, Off-balance Sheet Risks Transactions and Guarantees [Abstract]
Interest rate on loan commitments	4%
Commitments to Extend Credit [Member] | Maximum [Member]
Fair Value, Off-balance Sheet Risks Transactions and Guarantees [Abstract]
Interest rate on loan commitments	8.25%
Fixed rate loan commitments term	2 years

Concentrations of Credit Risk (

Concentrations of Credit Risk (Details) - Credit Concentration Risk [Member] - Tier 1 Capital Plus Allowance for Loan and Lease Losses [Member]	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Hospitality Industry Credits [Member]
Concentration Risk [Abstract]
Concentration of credit risk	64%	62%
Lessors of Residential Buildings and Dwellings Credits [Member]
Concentration Risk [Abstract]
Concentration of credit risk	51%	46%
Lessors of Non-residential Buildings Credits [Member]
Concentration Risk [Abstract]
Concentration of credit risk	32%	35%

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
CBLR, Amount [Abstract]
Actual Amount	$ 847,280	$ 797,672
For Capital Adequacy Purposes	$ 554,207	$ 524,234
CBLR, Ratio [Abstract]
Actual Ratio	0.1376	0.1369
For Capital Adequacy Purposes	0.09	0.09
Community Trust Bank, Inc [Member]
Regulatory Matter [Abstract]
Maximum dividend without Approval	$ 102,600
CBLR, Amount [Abstract]
Actual Amount	813,737	$ 766,180
For Capital Adequacy Purposes	$ 551,141	$ 521,612
CBLR, Ratio [Abstract]
Actual Ratio	0.1329	0.1322
For Capital Adequacy Purposes	0.09	0.09

Parent Company Financial Stat_3

Parent Company Financial Statements, Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Assets [Abstract]
Cash on deposit	$ 73,021	$ 58,833
Goodwill	65,490	65,490
Premises and equipment, net	49,630	45,311
Deferred tax asset	29,065	28,141
Other assets	26,343	31,093
Total assets	6,193,245	5,769,696
Liabilities and shareholders' equity [Abstract]
Long-term debt	64,016	64,241
Other liabilities	36,908	28,764
Total liabilities	5,435,661	5,067,488
Shareholders' equity	757,584	702,208	$ 628,047	$ 698,202
Total liabilities and shareholders' equity	6,193,245	5,769,696
Parent Company [Member]
Assets [Abstract]
Cash on deposit	2,797	3,183
Investment in and advances to subsidiaries	814,196	759,048
Goodwill	4,973	4,973
Premises and equipment, net	307	237
Deferred tax asset	450	434
Other assets	128	49
Total assets	822,851	767,924
Liabilities and shareholders' equity [Abstract]
Long-term debt	61,341	61,341
Other liabilities	3,926	4,375
Total liabilities	65,267	65,716
Shareholders' equity	757,584	702,208
Total liabilities and shareholders' equity	$ 822,851	$ 767,924

Parent Company Financial Stat_4

Parent Company Financial Statements, Condensed Statements of Income and Comprehensive Income (loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Expenses [Abstract]
Interest expense	$ 127,448	$ 95,540	$ 28,640
Depreciation expense	3,823	3,791	3,381
Other expenses	15,605	18,533	18,172
Income tax benefit	23,873	20,564	19,228
Net income	82,813	78,004	81,814
Unrealized holding gains (losses) on debt securities available-for-sale [Abstract]
Unrealized holding gains (losses) arising during the period	6,607	36,863	(168,060)
Less: Reclassification adjustments for realized gains (losses) included in net income	8	4	(81)
Other comprehensive income (loss), net of tax	4,952	25,831	(124,304)
Comprehensive income (loss)	87,765	103,835	(42,490)
Parent Company [Member]
Income [Abstract]
Dividends from subsidiaries	36,405	29,931	31,544
Other income	1,173	1,400	710
Total income	37,578	31,331	32,254
Expenses [Abstract]
Interest expense	4,410	4,287	2,060
Depreciation expense	201	125	75
Other expenses	4,706	4,718	4,833
Total expenses	9,317	9,130	6,968
Income before income taxes and equity in undistributed income of subsidiaries	28,261	22,201	25,286
Income tax benefit	(2,394)	(2,012)	(1,808)
Income before equity in undistributed income of subsidiaries	30,655	24,213	27,094
Equity in undistributed income of subsidiaries	52,158	53,791	54,720
Net income	82,813	78,004	81,814
Unrealized holding gains (losses) on debt securities available-for-sale [Abstract]
Unrealized holding gains (losses) arising during the period	6,607	36,863	(168,060)
Less: Reclassification adjustments for realized gains (losses) included in net income	8	4	(81)
Tax expense (benefit)	1,647	11,028	(43,675)
Other comprehensive income (loss), net of tax	4,952	25,831	(124,304)
Comprehensive income (loss)	$ 87,765	$ 103,835	$ (42,490)

Parent Company Financial Stat_5

Parent Company Financial Statements, Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Cash flows from operating activities [Abstract]
Net income	$ 82,813	$ 78,004	$ 81,814
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Depreciation	5,003	5,351	5,219
Deferred taxes	(1,732)	709	3,250
Stock-based compensation	1,354	1,576	1,366
Gains on sale of assets, net	(102)	(408)	(354)
Changes in [Abstract]
Other assets	1,951	(2,630)	2,507
Other liabilities	7,999	(3,562)	608
Net cash provided by operating activities	105,172	85,732	99,684
Cash flows from investing activities [Abstract]
Net purchases of premises and equipment	(8,078)	(6,322)	(6,218)
Proceeds from sale and retirement of premises and equipment	70	375	620
Net cash used in investing activities	(335,673)	(226,599)	(280,007)
Cash flows from financing activities [Abstract]
Issuance of common stock	1,770	1,129	1,041
Dividends paid	(33,407)	(32,187)	(29,938)
Net cash provided by (used in) financing activities	328,606	283,581	(2,747)
Net increase (decrease) in cash and cash equivalents	98,105	142,714	(183,070)
Cash and cash equivalents at beginning of year	271,400
Cash and cash equivalents at end of year	369,505	271,400
Parent Company [Member]
Cash flows from operating activities [Abstract]
Net income	82,813	78,004	81,814
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Depreciation	201	125	76
Equity in undistributed earnings of subsidiaries	(52,158)	(53,791)	(54,720)
Deferred taxes	(16)	(174)	630
Stock-based compensation	1,354	1,576	1,366
Gains on sale of assets, net	0	(48)	0
Changes in [Abstract]
Other assets	(79)	4,758	611
Other liabilities	(593)	1,039	(1,115)
Net cash provided by operating activities	31,522	31,489	28,662
Cash flows from investing activities [Abstract]
Net purchases of premises and equipment	(271)	(229)	(95)
Proceeds from sale and retirement of premises and equipment	0	48	0
Net cash used in investing activities	(271)	(181)	(95)
Cash flows from financing activities [Abstract]
Issuance of common stock	1,770	1,129	1,041
Dividends paid	(33,407)	(32,187)	(29,938)
Net cash provided by (used in) financing activities	(31,637)	(31,058)	(28,897)
Net increase (decrease) in cash and cash equivalents	(386)	250	(330)
Cash and cash equivalents at beginning of year	3,183	2,933	3,263
Cash and cash equivalents at end of year	$ 2,797	$ 3,183	$ 2,933

Segment Reporting, Reconciliati

Segment Reporting, Reconciliation of Segment Revenues (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) Segment	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Segment Reporting [Abstract]
Number of operating segments | Segment	1
Interest income [Abstract]
Interest and fees on loans, including loans held for sale	$ 274,619	$ 230,844	$ 169,885
Interest and dividends on securities [Abstract]
Taxable	24,953	27,263	21,695
Tax exempt	2,553	2,678	2,998
Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock	783	759	603
Interest on Federal Reserve Bank deposits	10,101	6,831	2,439
Other, including interest on federal funds sold	434	275	122
Total interest income	313,443	268,650	197,742
Interest expense [Abstract]
Interest on deposits	112,516	81,167	24,068
Interest on repurchase agreements and federal funds purchased	10,393	8,994	2,540
Interest on advances from Federal Home Loan Bank	16	1,004	20
Interest on long-term debt	4,523	4,375	2,012
Total interest expense	127,448	95,540	28,640
Net interest income	185,995	173,110	169,102
Provision for credit losses	10,951	6,811	4,905
Net interest income after provision for credit losses	175,044	166,299	164,197
Noninterest income [Abstract]
Deposit related fees	29,824	29,935	29,049
Gains on sales of loans, net	294	395	1,525
Trust and wealth management income	14,921	13,025	12,394
Loan related fees	4,957	3,792	6,185
Bank owned life insurance	5,236	3,517	2,708
Brokerage revenue	2,272	1,473	1,846
Securities gains (losses)	631	996	(168)
Dividend and undistributed income from subsidiaries	0	0	0
Other noninterest income	4,430	4,526	4,377
Total noninterest income	62,565	57,659	57,916
Noninterest expense [Abstract]
Officer salaries and employee benefits	16,316	15,206	15,922
Other salaries and employee benefits	63,111	58,505	56,568
Occupancy, net	9,442	8,900	8,380
Equipment	2,762	2,943	2,703
Data processing	11,172	9,726	8,910
Bank franchise tax	1,685	1,649	1,528
Legal fees	1,090	1,131	1,159
Professional fees	2,783	2,219	2,275
Advertising and marketing	3,130	3,214	3,005
FDIC insurance	2,586	2,483	1,447
Other real estate owned provision and expense	152	350	456
Repossession expense	1,089	531	546
Other noninterest expense	15,605	18,533	18,172
Total noninterest expense	130,923	125,390	121,071
Income before income taxes	106,686	98,568	101,042
Income taxes	23,873	20,564	19,228
Net income	82,813	78,004	81,814
Operating Segments [Member] | Community Banking Services [Member]
Interest income [Abstract]
Interest and fees on loans, including loans held for sale	274,619	230,844	169,885
Interest and dividends on securities [Abstract]
Taxable	24,953	27,263	21,695
Tax exempt	2,553	2,678	2,998
Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock	783	759	603
Interest on Federal Reserve Bank deposits	10,101	6,831	2,439
Other, including interest on federal funds sold	301	146	60
Total interest income	313,310	268,521	197,680
Interest expense [Abstract]
Interest on deposits	112,516	81,167	24,068
Interest on repurchase agreements and federal funds purchased	10,393	8,994	2,540
Interest on advances from Federal Home Loan Bank	16	1,004	20
Interest on long-term debt	365	333	70
Total interest expense	123,290	91,498	26,698
Net interest income	190,020	177,023	170,982
Provision for credit losses	10,951	6,811	4,905
Net interest income after provision for credit losses	179,069	170,212	166,077
Noninterest income [Abstract]
Deposit related fees	29,824	29,935	29,049
Gains on sales of loans, net	294	395	1,525
Trust and wealth management income	14,921	13,025	12,394
Loan related fees	4,957	3,792	6,185
Bank owned life insurance	5,236	3,517	2,708
Brokerage revenue	2,272	1,473	1,846
Securities gains (losses)	631	996	(168)
Dividend and undistributed income from subsidiaries	0	0	0
Other noninterest income	5,540	5,551	5,430
Total noninterest income	63,675	58,684	58,969
Noninterest expense [Abstract]
Officer salaries and employee benefits	15,107	13,766	13,877
Other salaries and employee benefits	63,111	58,505	56,568
Occupancy, net	9,440	8,900	8,380
Equipment	2,746	2,943	2,703
Data processing	11,152	9,711	8,889
Bank franchise tax	1,685	1,649	1,528
Legal fees	906	1,008	1,044
Professional fees	2,581	2,083	2,125
Advertising and marketing	3,078	3,191	2,982
FDIC insurance	2,586	2,483	1,447
Other real estate owned provision and expense	152	350	456
Repossession expense	1,089	531	546
Other noninterest expense	14,666	17,852	17,381
Total noninterest expense	128,299	122,972	117,926
Income before income taxes	114,445	105,924	107,120
Income taxes	26,267	22,576	21,036
Net income	88,178	83,348	86,084
Operating Segments [Member] | Holding Company [Member]
Interest income [Abstract]
Interest and fees on loans, including loans held for sale	0	0	0
Interest and dividends on securities [Abstract]
Taxable	0	0	0
Tax exempt	0	0	0
Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock	0	0	0
Interest on Federal Reserve Bank deposits	0	0	0
Other, including interest on federal funds sold	133	129	62
Total interest income	133	129	62
Interest expense [Abstract]
Interest on deposits	0	0	0
Interest on repurchase agreements and federal funds purchased	0	0	0
Interest on advances from Federal Home Loan Bank	0	0	0
Interest on long-term debt	4,410	4,286	2,060
Total interest expense	4,410	4,286	2,060
Net interest income	(4,277)	(4,157)	(1,998)
Provision for credit losses	0	0	0
Net interest income after provision for credit losses	(4,277)	(4,157)	(1,998)
Noninterest income [Abstract]
Deposit related fees	0	0	0
Gains on sales of loans, net	0	0	0
Trust and wealth management income	0	0	0
Loan related fees	0	0	0
Bank owned life insurance	0	0	0
Brokerage revenue	0	0	0
Securities gains (losses)	0	0	0
Dividend and undistributed income from subsidiaries	88,430	83,593	86,202
Other noninterest income	1,173	1,400	710
Total noninterest income	89,603	84,993	86,912
Noninterest expense [Abstract]
Officer salaries and employee benefits	2,039	2,511	2,570
Other salaries and employee benefits	873	826	801
Occupancy, net	2	0	0
Equipment	201	125	75
Data processing	20	15	24
Bank franchise tax	0	0	0
Legal fees	184	123	115
Professional fees	441	383	402
Advertising and marketing	52	23	23
FDIC insurance	0	0	0
Other real estate owned provision and expense	0	0	0
Repossession expense	0	0	0
Other noninterest expense	1,095	838	898
Total noninterest expense	4,907	4,844	4,908
Income before income taxes	80,419	75,992	80,006
Income taxes	(2,394)	(2,012)	(1,808)
Net income	82,813	78,004	81,814
Eliminations [Member]
Interest income [Abstract]
Interest and fees on loans, including loans held for sale	0	0	0
Interest and dividends on securities [Abstract]
Taxable	0	0	0
Tax exempt	0	0	0
Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock	0	0	0
Interest on Federal Reserve Bank deposits	0	0	0
Other, including interest on federal funds sold	0	0	0
Total interest income	0	0	0
Interest expense [Abstract]
Interest on deposits	0	0	0
Interest on repurchase agreements and federal funds purchased	0	0	0
Interest on advances from Federal Home Loan Bank	0	0	0
Interest on long-term debt	(252)	(244)	(118)
Total interest expense	(252)	(244)	(118)
Net interest income	252	244	118
Provision for credit losses	0	0	0
Net interest income after provision for credit losses	252	244	118
Noninterest income [Abstract]
Deposit related fees	0	0	0
Gains on sales of loans, net	0	0	0
Trust and wealth management income	0	0	0
Loan related fees	0	0	0
Bank owned life insurance	0	0	0
Brokerage revenue	0	0	0
Securities gains (losses)	0	0	0
Dividend and undistributed income from subsidiaries	(88,430)	(83,593)	(86,202)
Other noninterest income	(2,283)	(2,425)	(1,763)
Total noninterest income	(90,713)	(86,018)	(87,965)
Noninterest expense [Abstract]
Officer salaries and employee benefits	(830)	(1,071)	(525)
Other salaries and employee benefits	(873)	(826)	(801)
Occupancy, net	0	0	0
Equipment	(185)	(125)	(75)
Data processing	0	0	(3)
Bank franchise tax	0	0	0
Legal fees	0	0	0
Professional fees	(239)	(247)	(252)
Advertising and marketing	0	0	0
FDIC insurance	0	0	0
Other real estate owned provision and expense	0	0	0
Repossession expense	0	0	0
Other noninterest expense	(156)	(157)	(107)
Total noninterest expense	(2,283)	(2,426)	(1,763)
Income before income taxes	(88,178)	(83,348)	(86,084)
Income taxes	0	0	0
Net income	$ (88,178)	$ (83,348)	$ (86,084)

Segment Reporting, Other Segmen

Segment Reporting, Other Segment Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Segment, Reconciliation of Other Items from Segments to Consolidated [Abstract]
Depreciation	$ 3,823	$ 3,791	$ 3,381
Amortization of operating lease right-of-use assets	1,180	1,560	1,838
Provision for credit losses	10,951	6,811	4,905
Change in cash surrender value of bank owned life insurance	3,995	2,361	1,650
Expenditures for long-lived assets	8,078	6,322	6,218
Operating Segments [Member] | Community Banking Services [Member]
Segment, Reconciliation of Other Items from Segments to Consolidated [Abstract]
Depreciation	3,622	3,666	3,305
Amortization of operating lease right-of-use assets	1,180	1,560	1,838
Provision for credit losses	10,951	6,811	4,905
Change in cash surrender value of bank owned life insurance	3,995	2,361	1,650
Expenditures for long-lived assets	7,807	6,093	6,123
Operating Segments [Member] | Holding Company [Member]
Segment, Reconciliation of Other Items from Segments to Consolidated [Abstract]
Depreciation	201	125	76
Amortization of operating lease right-of-use assets	0	0	0
Provision for credit losses	0	0	0
Change in cash surrender value of bank owned life insurance	0	0	0
Expenditures for long-lived assets	271	229	95
Eliminations [Member]
Segment, Reconciliation of Other Items from Segments to Consolidated [Abstract]
Depreciation	0	0	0
Amortization of operating lease right-of-use assets	0	0	0
Provision for credit losses	0	0	0
Change in cash surrender value of bank owned life insurance	0	0	0
Expenditures for long-lived assets	$ 0	$ 0	$ 0

Segment Reporting, Reconcilia_2

Segment Reporting, Reconciliation of Segment Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Segment Reconciliation [Abstract]
Assets	$ 6,193,245	$ 5,769,696
Operating Segments [Member] | Community Banking Services [Member]
Segment Reconciliation [Abstract]
Assets	6,186,518	5,765,286
Operating Segments [Member] | Holding Company [Member]
Segment Reconciliation [Abstract]
Assets	822,851	767,923
Elimination of Subsidiary and Parent Cash and Intercompany Receivables [Member]
Segment Reconciliation [Abstract]
Assets	(3,780)	(6,317)
Elimination of Investment in Subsidiaries [Member]
Segment Reconciliation [Abstract]
Assets	$ (812,345)	$ (757,196)

Revenue Recognition (Details)

Revenue Recognition (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($) Segment
Revenue Recognition [Abstract]
Contract assets	$ 0
Contract liabilities	0
Receivable accounts for contracts with customers	$ 0
Number of operating segments | Segment	1

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Numerator [Abstract]
Net income	$ 82,813	$ 78,004	$ 81,814
Basic earnings per share [Abstract]
Weighted average shares (in shares)	17,950	17,887	17,836
Diluted earnings per share [Abstract]
Dilutive effect of equity grants (in shares)	27	13	15
Adjusted weighted average shares (in shares)	17,977	17,900	17,851
Earnings per share [Abstract]
Basic earnings per share (in dollars per share)	$ 4.61	$ 4.36	$ 4.59
Diluted earnings per share (in dollars per share)	$ 4.61	$ 4.36	$ 4.58
Options [Member]
Earnings Per Share [Abstract]
Options excluded from diluted calculations (in shares)	0	0	0

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Amounts Reclassified from Accumulated Other Comprehensive Income (Loss) (AOCI) [Abstract]
Securities gains (losses)	$ 631	$ 996	$ (168)
Tax expense (benefit)	23,873	20,564	19,228
Net income	82,813	78,004	81,814
Unrealized Gains (Losses) on AFS Securities [Member] | Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Amounts Reclassified from Accumulated Other Comprehensive Income (Loss) (AOCI) [Abstract]
Securities gains (losses)	8	4	(81)
Tax expense (benefit)	2	1	(21)
Net income	$ 6	$ 3	$ (60)