Community Trust Bank, Inc.
- Loans
- 12
- Approved
- $6M
- Median deal
- $441,500
- Median rate
- 7.75%
#157 of 249 by loans, FY2025 to FY2026 Q3
gross approvals
national $709,300
national 9.25% at approval
Loans per fiscal year
FY2026 is partial: 1 loans approved through June 30, 2026.
| Fiscal year | Loans |
|---|---|
| FY2020 | 5 |
| FY2021 | 18 |
| FY2022 | 5 |
| FY2023 | 4 |
| FY2024 | 8 |
| FY2025 | 11 |
| FY2026 (partial year, through June 30, 2026) | 1 |
How they lend
Across 12 change-of-ownership loans, FY2025 to FY2026 Q3.
Acquisition share of their 7(a) lending
Acquisitions 52 (11.9%)Other purposes 387 (88.1%)
Their full 7(a) book since FY2020 is 439 loans. Every other figure on this page counts the 52 acquisition loans only.
Initial rate structure
Variable 33.33%Fixed 66.67%
- Middle half of rates
- 7.50% to 7.90%
- Median term
- 210 months
- Collateral reported
- 100.00% of loans
- Sold on the secondary market
- 0.00% of loans
- Franchise loans
- 0.00% of loans
- Approval to first disbursement
- 21 days (n = 11)
Processing method
| 7a General | 75.00% | |
| SBA Express Program | 25.00% |
SBA processing-method labels as they appear in the loan file, as shares of this lender’s window loans.
What they fund
Industries and deal sizes across 12 change-of-ownership loans, FY2025 to FY2026 Q3.
Top industries
| Retail Trade | 50.00% | |
| Accommodation and Food Services | 16.67% | |
| Arts, Entertainment, and Recreation | 16.67% | |
| Manufacturing | 8.33% | |
| Other Services (except Public Administration) | 8.33% |
Deal size mix
Under $350K 33.33%$350K to $1M 66.67%$1M to $3.5M 0.00%$3.5M+ 0.00%
Sectors from each loan’s NAICS code; deal sizes from gross approval amounts. Window loans only.
Community Trust Bank, Inc.: SBA acquisition lending, answered
Does Community Trust Bank, Inc. make SBA acquisition loans?
Yes. Community Trust Bank, Inc. was approved for 52 SBA 7(a) change-of-ownership loans since FY2020, including 12 in FY2025 to FY2026 Q3. That ranks it #157 of 249 acquisition lenders by loan count in that window. Acquisitions are 11.9% of its 7(a) lending; the rest are startups, expansions, and working capital.
What interest rates does Community Trust Bank, Inc. charge on SBA loans?
Across its FY2025 to FY2026 Q3 acquisition loans, the median rate at approval was 7.75%, against a national median of 9.25%. Half of them started between 7.50% and 7.90%. Most 7(a) loans float over Prime, so these are rates at approval, not what a borrower pays today.
How large are Community Trust Bank, Inc.'s SBA acquisition loans?
The median deal was $441,500, against a national median of $709,300. In total it has approved $6M in gross change-of-ownership loans over FY2025 to FY2026 Q3.
How fast does Community Trust Bank, Inc. fund an SBA loan?
Across the 11 loans that report both dates, the median time from approval to first disbursement was 21 days. Actual timelines vary with the deal and the documentation.
What kinds of businesses does Community Trust Bank, Inc. finance?
Its FY2025 to FY2026 Q3 acquisition loans concentrate in Retail Trade and Accommodation and Food Services. 0.00% of its acquisition loans went to franchises. The full industry and deal-size mix is above.
Run a deal at these rates
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Browse all lendersSource: SBA 7(a) FOIA file, change-of-ownership loans for Community Trust Bank, Inc.. Window stats cover FY2025 to FY2026 Q3, as of June 30, 2026, and refresh with each quarterly cut. Rates and rate quartiles are the rates at approval. Website, headquarters, assets, founding year, and office count come from the FDIC BankFind Suite API and, for credit unions, the NCUA Credit Union Locator (public US government data). Methodology. See an error? Email us and we will correct it.