Directors CTBI Directors Mark A Gooch, Chairman Eugenia “Crit” Luallen, Vice Chairman Franklin H. Farris, Jr. Ina Michelle Matthews James E. McGhee II Franky Minnifield Jefferson F. Sandlin Anthony St. Charles Chad C. Street Lillian “Kay” Webb 2 CTB Directors Mark A. Gooch, Chairman Franklin H. Farris, Jr. Ina Michelle Matthews James E. McGhee II Richard W. Newsom Chad C. Street CTIC Directors Mark A. Gooch, Chairman Franklin H. Farris, Jr. E.B. Lowman II Eugenia “Crit” Luallen James E. McGhee II Jefferson F. Sandlin Anthony St. Charles Andy Waters

Executive Officers 3 Mark A. Gooch Chairman, President, and CEO Richard W. Newsom CTB President Andy D. Waters CTIC President and CEO Kevin J. Stumbo EVP/Chief Financial Officer Steven E. Jameson EVP/Chief Internal Audit and Risk Officer Mark E. Smith EVP/Chief Credit Officer Thomas E. McCoy EVP/Operations C. Wayne Hancock EVP/Chief Legal Officer Billie J. Dollins EVP/Central Region President David I. Tackett EVP/Eastern Region President Ricky D. Sparkman EVP/South Central Region President D. Andrew Jones EVP/Northeastern Region President

Cautionary Statement Information provided herein by CTBI contains “forward-looking” information. CTBI cautions that any forward-looking statements made are not guarantees of future performance and that actual results may differ materially from those in the forward-looking statements. Please refer to CTBI’s 2024 Annual Report on Form 10-K, Cautionary Statement Regarding Forward Looking Statements for additional information. 4

2024 Key Metrics Total Assets $6.2 billion Market Capitalization $957.6 million Cash Dividend Yield 3.55% P/E Ratio 11.5x Price to Book Value 1.3x Price to Tangible Book Value 1.4x Tangible Common Equity Ratio 11.29% Competitive Position 3rd largest Kentucky domiciled bank holding company 2nd in Kentucky in deposit market share of all Kentucky domiciled FDIC insured institutions 7th largest bank in Kentucky in terms of deposit market share of all FDIC insured institutions 5 Financial data as of December 31, 2024 Deposit market share as of June 30, 2024

Our Banking Franchise Central Region Eastern Region Northeastern Region Loans - $1.1 billion Loans - $1.1 billion Loans - $494 million Deposits - $1.4 billion Deposits - $2.1 billion Deposits - $706 million • Danville • Floyd/Knott/Johnson • Advantage Valley • Lexington • Hazard • Ashland • Mt. Sterling • Pikeville • Flemingsburg • Richmond • Tug Valley • Summersville • Versailles • Whitesburg • Winchester South Central Region Indirect Lending Loans - $1.0 billion Loans - $850 million Deposits - $1.1 billion CTIC • Campbellsville Assets Under Management - $3.7 billion (including $1.1 billion CTB) • LaFollette Revenues - $21.3 million • Middlesboro • Mt. Vernon • Ashland • Williamsburg • LaFollette • Lexington • Pikeville • Versailles Financial data as of December 31, 2024 6

Trust Assets Under Management & Trust Revenue Includes CTB portfolio Assets in billions Revenue in millions 7

2024 Performance Summary Goals Results Earnings $77.7 - $80.8 million $82.8 million EPS $4.31 - $4.49 per share $4.61 per share ROAA 1.33% - 1.39% 1.41% ROAE 10.99% - 11.44% 11.31% Assets $5.74 - $6.10 billion $6.19 billion Loans $4.18 - $4.35 billion $4.49 billion Deposits $4.97 - $5.17 billion $5.31 billion Shareholders’ equity $711.2 - $740.3 million $757.6 million 9

Dividends Per Share 2024 cash dividends increased 3.3% Dividend payout ratio for 2024 was 40.3% Desired level between 40% and 50% December 31, 2024 cash dividend yield was 3.55% Cash dividend increased to $0.47 per share effective October 1, 2024 11

Shareholders’ Equity Shareholders’ equity has increased 15.7% during the past five years 4.3% compound growth rate for the past five years (in millions) 12 4.3%

Book Value Per Share Tangible Common Equity/Assets 13

5 Year Cumulative Total ReturnComparison of CTBI, NASDAQ Stock Market (U.S.), and NASDAQ Bank Stocks An investment in CTBI stock on December 31, 2019 would have underperformed the NASDAQ Stock Market (U.S.) and the NASDAQ Bank Stocks Index at December 31, 2024. 15

Comparison to Russell 2000 Indexof Small Cap Companies 3-, 5-, and 10-year total returns annualized Return to Investors December 31, 2024 16

Core Value Long-Term Investment 12 stock splits and 10 stock dividends 44 years of consecutive increases in cash dividends 5-year compound growth rate of cash dividends 4.7% Stock included in the NASDAQ Global Select Market, NASDAQ Dividend Achievers Index, and NASDAQ Bank Stock Index CTBI shareholders include 246 institutional investors (including CTIC – 10.5%) hold 11.6 million shares (61.7%) 285 mutual funds hold 5.5 million shares (30.7%) Data as of December 31, 2024 17

CTBI’s Franchise Value History of solid investor returns Historically strong capital position Investor focused dividend policy Dividend Achievers Index Consistent financial performance Community banking strategy Economic diversity in the markets we serve Strong experienced management team and nearly 1,000 dedicated employees Our shareholders 18

Earnings Per Share EPS increased 5.8% from 2023 to 2024 20

Return on Average Assets Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 12/31/2024 for bank holding companies with consolidated assets of $3 billion to $10 billion. 21

Net Income Net income increased 6.2% from 2023 to 2024 (in millions) 22

Revenues Revenues increased 7.7% from 2023 to 2024 (in millions) 23

Noninterest Incomeas a % of Total Revenue Noninterest income increased 8.5% from 2023 to 2024 Increases in loan related fees, trust revenue, and bank owned life insurance revenue (in millions) 24

Net Interest Revenue Net interest revenue increased by 7.4% from 2023 to 2024 Net interest margin at 3.36% increased 4 basis points from 2023 Average earning assets increased $325.8 million, or 6.2% (in millions) 25

Net Interest Margin Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 12/31/2024 for bank holding companies with consolidated assets of $3 billion to $10 billion. 26 Dec ’24 Sept ’24 Jun ’24 Mar ’24 Dec ’23 Sept ’23 Net Interest Margin 3.43% 3.34% 3.38% 3.23% 3.19% 3.27% Yield on Earning Assets 5.66% 5.64% 5.66% 5.55% 5.43% 5.25% Cost of Interest Bearing Deposits 3.18% 3.34% 3.30% 3.35% 3.27% 2.93% Benefit of Noninterest Bearing Deposits 0.95% 1.03% 1.02% 1.03% 1.02% 0.95%

Net Noninterest Expenseas a % of Average Earning Assets Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 12/31/2024 for bank holding companies with consolidated assets of $3 billion to $10 billion. (in millions) Noninterest Expense & Efficiency Ratio (in millions) 27

Balance Sheet Review

Total Assets Total assets at 12/31/24 increased $423.5 million, or 7.3%, from 12/31/23 Loans increased $435.7 million or 10.8% Investment portfolio decreased $107.4 million or 9.2% Deposits increased $360.5 million or 7.3% (in billions) 29

Total Loans Total loans at 12/31/24 increased 10.8% from 12/31/23 Loan and line of credit production for the year totaled $1.1 billion (in billions) 29 Loan Portfolio Mix December 31, 2024 Loan Rate Mix December 31, 2024

Concentrations of Creditas a % of Total Loans December 31, 2024 The net losses in non-residential real estate rental were 0.01%. There were no net losses in apartments and rental housing or hospitality. There were no net losses in nonperforming loans in any of these loan categories for the year 2024. 30

31 Indirect Lending (in millions)

Net Charge-offsas a % of Average Loans Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 12/31/2024 for bank holding companies with consolidated assets of $3 billion to $10 billion. Nonperforming Loansas a % of Total Loans 32

Nonperforming Assetsas a % of Total Assets $3.6 million in other real estate owned Loan Loss Reserve as a % of Net Loans Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 12/31/2024 for bank holding companies with consolidated assets of $3 billion to $10 billion. 33

Total Depositsincluding Repurchase Agreements (in billions) December 31, 2024 35

1st Quarter 2025 Review

Key Metrics – 1st Quarter 2025 Total Assets $6.3 billion Market Capitalization $911.6 million Cash Dividend Yield 3.7% P/E Ratio 10.2x Price to Book Value 1.2x Price to Tangible Book Value 1.3x Tangible Common Equity Ratio 11.57% Financial data as of March 31, 2025 37

Earnings Per Share 38

Net Income 39 (in millions)

Earnings Net interest income for the quarter of $51.3 million was $1.7 million, or 3.5%, above prior quarter and $7.7 million, or 17.6%, above first quarter 2024. Provision for loan losses for the quarter of $3.6 million was $1.0 million above prior quarter and $0.9 million above first quarter 2024. Noninterest income for the quarter ended March 31, 2025 of $14.9 million was $1.3 million, or 7.8%, below prior quarter, and $0.2 million, or 1.6%, below prior year same quarter. Noninterest expense for the quarter ended March 31, 2025 of $34.2 million, was $0.4 million, or 1.3%, above prior quarter, and $2.0 million, or 6.2%, above prior year same quarter. 40

Noninterest Income Q-O-Q decreases in deposit related fees and loan related fees Y-O-Y decreases in loan related fees, bank owned life insurance revenue, and deposit related fees, partially offset by increases in trust revenue and securities gains (in millions) 41

Noninterest Expense Q-O-Q increases in occupancy expense and legal fees, partially offset by a decrease in data processing expense Y-O-Y increase in occupancy expense, data processing expense, legal fees, operating losses, and loan related expenses 42 (in millions)

Total Assets Total assets at 3/31/25 increased $83.3 million, or an annualized 5.5%, during the first quarter Loans increased $149.9 million Investment portfolio decreased $46.7 million Deposits in other banks decreased $24.4 million Deposits, including repurchase agreements, increased $47.5 million 42 (in millions)

Total Loans Increased at an annualized rate of 13.5% during the quarter Increased from prior year first quarter 11.4% 43 (in millions)

Nonperforming Loansas a % of Total Loans 44

Nonperforming Assetsas a % of Total Assets 45

Net Charge-offsas a % of Average Loans (annualized) 46

Allowance for Credit Losses Provision for loan losses for the quarter was $3.6 million, compared to $2.6 million for the quarter ended December 31, 2024 and $2.7 million for the first quarter 2024. $2.0 million to fund loan growth Our reserve coverage (allowance for credit losses to nonperforming loans) at March 31, 2025 was 214.7% compared to 206.0% at December 31, 2024 and 319.0% at March 31, 2024. Our credit loss reserve as a percentage of total loans outstanding at March 31, 2025 remained at 1.23% from December 31, 2024, compared to 1.22% at March 31, 2024. 47

Total Depositsincluding Repurchase Agreements Increased an annualized 3.6% from prior quarter Increased 6.8% from prior year first quarter 48 (in billions)

Key Strategic Initiatives

Operational Priorities Build core earnings capacity Quality loan growth Low cost deposit growth Branch expansion in growth markets Manage net interest margin Operational efficiency Expense control Noninterest revenue growth Compliance management Increase noninterest income Trust and wealth management Brokerage Insurance Continuing focus on improving asset quality 51

To Our Shareholders Your management has a Strategic Plan for the performance and operations of your company. Success will be attained by the execution of this plan, not just by management, but by our nearly 1,000 employees. The continuing support by you, our shareholders, by referring your friends, neighbors, and business associates to do business with your bank, is invaluable to the execution of our plans for the performance of your Company. 52