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 2020 Annual Report on Form 10-K, Cautionary Statement Regarding Forward Looking Statements for additional information. 2

Key Metrics Total Assets $5.4 billionMarket Capitalization $751.0 millionCash Dividend Yield 3.80%P/E Ratio 8.9xPrice to Book Value 1.1xPrice to Tangible Book Value 1.2xTangible Common Equity Ratio 11.77%Competitive Position3rd largest Kentucky domiciled bank holding company 3rd in Kentucky in deposit market share of all Kentucky domiciled FDIC insured institutions 8th largest bank in Kentucky in terms of deposit market share of all FDIC insured institutions Financial data as of September 30, 2021Deposit market share as of June 30, 2021 3

Corporate History 1903 Pikeville National bank formed1987-2005 Acquired 14 banks and purchased 17 branch locations1997 Changed name to Community Trust Bancorp, Inc.2010 Acquired LaFollette First National CorporationPresently Two operational subsidiaries~ Community Trust Bank, Inc. and Community Trust and Investment Company 4

Our Banking Franchise Serving customers in 79 branch locations in 35 counties throughout Kentucky, Tennessee, and West Virginia, including 5 trust offices in Kentucky and Tennessee

Our Banking Franchise Central Region Eastern Region Northeastern RegionLoans - $751 million Loans - $934 million Loans - $391 millionDeposits - $1.2 billion Deposits - $1.8 billion Deposits - $609 million• Danville • Floyd/Knott/Johnson • Advantage Valley• Lexington • Hazard • Ashland• Mt. Sterling • Pikeville • Flemingsburg• Richmond • Tug Valley • Summersville• Versailles • Whitesburg• WinchesterSouth Central Region Indirect LendingLoans - $708 million Loans - $612 million Deposits - $956 million• Campbellsville CTIC• LaFollette Assets Under Management - $3.6 billion (including $1.5 billion CTB)• Middlesboro Revenues - $17.0 million annualized• Mt. Vernon • Williamsburg • Ashland • LaFollette • Lexington • Pikeville • Versailles Financial data as of September 30, 2021 6

Trust Assets Under Management & Trust Revenue Includes CTB portfolio Assets in billionsRevenue in millions 7 Sept ‘21 Revenue annualized

Executive Management Team Banking Yrs. w/Name Position Experience CTBIJean R. Hale Chairman and CEO 52 years 52Mark A. Gooch CTBI and CTB President 40 years 40Andy Waters CTIC President and CEO 34 years 17Kevin J. Stumbo EVP/Chief Financial Officer 34 years 26Steven E. Jameson EVP/Risk Manager 36 years 17James J. Gartner EVP/Chief Credit Officer 53 years (17 at OCC) 19James B. Draughn EVP/Operations 28 years 28Larry W. Jones EVP/C KY President 53 years 19Richard W. Newsom EVP/E KY President 38 years 38Ricky Sparkman EVP/SC KY/TN President 36 years 27D. Andrew Jones EVP/NE KY/WV President 34 years 34C. Wayne Hancock EVP/Senior Staff Attorney 13 years 13 8

Operational Philosophy Traditional community banking business modelExecutive management and board of director commitment to strong corporate governanceDecentralized decision making and centralized operations and risk managementStrong loan portfolio risk management processSpecialized product offeringsMaintain a strong tangible equity positionOrganic growth expectations combined with de novo branching and acquisitionConsistent long-term performance 9

Consistent Financial Performance YTD 2021 2020 2019 2018 2017 EPS $3.86 $3.35 $3.64 $3.35 $2.92ROAA 1.71% 1.23% 1.49% 1.41% 1.27%ROAE 13.55% 9.36% 10.84% 10.83% 9.93%Net Int. Margin 3.22% 3.33% 3.60% 3.66% 3.67%Efficiency Ratio 52.35% 58.30% 60.70% 60.17% 58.66%Nonperforming Loans 0.55% 0.75% 1.03% 0.69% 0.91%Net Charge-offs 0.00% 0.18% 0.18% 0.20% 0.24%% of Average Assets:Noninterest Income 1.13% 1.09% 1.14% 1.24% 1.18%Noninterest Expense 2.19% 2.46% 2.73% 2.80% 2.70% 10 All information is for the year ended December 31 except YTD 2021 which is for the nine months ended September 30.

Earnings Review

Earnings Per Share EPS increased 56.9% from September 2020 to September 20212021 EPS goal - $3.76 to $3.92 per share 12

Net Income Net income increased 57.3% from September 2020 to September 20212021 goal for net income - $67.1 to $69.8 million (in millions) 13

Revenues Revenues increased 10.6% from September 2020 to September 20212021 goal for revenues - $209.6 to $218.1 million (in millions) 14

Noninterest Incomeas a % of Total Revenue Year-to-date noninterest income increased 15.7% from September 2020 to September 20212021 goal for noninterest revenue – 24.0% to 26.0% of total revenue (in millions) 15 Sept ’21 annualized

Net Interest Revenue YTD net interest revenue increased by 8.8% year over year for the nine months ended September 30Net interest margin decreased 15 basis pointsAverage earning assets increased $634.7 million, or 14.2% (in millions) 16 Sept ’21 annualized

Net Interest Margin Pressure on the margin1-year cumulative gap position at 9/30/21 – (13.74)% Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 6/30/2021 for bank holding companies with consolidated assets of $3 billion to $10 billion. % of assets repricingWithin 30 days 28.44%% of liabilities repricing Within 30 days 47.58%Within 90 days 54.21%Within 180 days 60.41% 17

Net Noninterest Expenseas a % of Average Earning Assets Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 6/30/2021 for bank holding companies with consolidated assets of $3 billion to $10 billion. (in millions) 18 Noninterest Expense & Efficiency Ratio (in millions) Sept ’21 annualized

Return on Average Assets Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 6/30/2021 for bank holding companies with consolidated assets of $3 billion to $10 billion. 19

Balance Sheet Review

Total Assets Total assets at 9/30/21 increased $246.4 million, or an annualized 6.4%, from 12/31/20Loans decreased $156.0 million or an annualized 5.9%Investment portfolio increased $528.5 million or an annualized 70.9%Deposits increased $216.3 million or an annualized 6.6%2021 goal for total assets - $5.04 to $5.35 billion (in billions) 21

Total Loans Loans decreased $156.0 million, or an annualized 5.9%, from 12/31/20Loans excluding PPP loans were $3.30 million at 9/30/21, a $2.4 million decrease from 12/31/202021 goal for total loans - $3.48 to $3.63 billion (in billions) 22 Loan Portfolio Mix September 30, 2021 Loan Rate Mix

CARES Act Loan Deferral Status 23 Deferrals (dollars in millions) Number Amount Commercial 6 $14.3 Residential 17 1.4 Consumer 4 0.1 Total 27 $15.8

PPP Loans 24 As of September 30, 2021, we have closed 6,312 PPP loans totaling $401.3 million. Through September 30, 2021, we have had 4,730 PPP loans totaling $297.7 million forgiven by the SBA and repaid to CTB. (in thousands) AverageBalance Interest AverageEffective Rate PPP loans $210,297 $11,809 7.40%

Concentrations of Creditas a % of Total Loans September 30, 2021 25 There were no net losses or nonperforming loans in any of these loan categories as of September 30, 2021.

Indirect Lending (in millions) 26 Sept ’21 annualized

Net Charge-offsas a % of Average Loans Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 6/30/2021 for bank holding companies with consolidated assets of $3 billion to $10 billion. 27 Nonperforming Loansas a % of Total Loans Commercial loans were a net charge-off of $150 thousandConsumer direct loans were a net charge-off of $112 thousandConsumer indirect loans were a net recovery of $577 thousandResidential loans were a net charge-off of $203 thousand

Nonperforming Assetsas a % of Total Assets $4.3 million in other real estate owned 28 Loan Loss Reserveas a % of Net Loans Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 6/30/2021 for bank holding companies with consolidated assets of $3 billion to $10 billion. Loan loss reserve excluding PPP loans – 1.25%

29 Allowance for Credit Losses 4Q19 Probable Incurred Losses January 1, 2020 CECL Adoption March 31, 2020 CECL September 30, 2021 CECL (dollars in thousands) Amount % of Portfolio Amount % of Portfolio Amount % of Portfolio Amount % of Portfolio Allowance for loan and lease losses transitioned to allowance for credit losses: Commercial $21,683 1.30% $21,680 1.30% $30,030 1.79% $23,632 1.34% Residential mortgage 5,501 0.61% 7,319 0.81% 7,850 0.86% 8,283 0.95% Consumer direct 1,711 1.16% 1,671 1.13% 2,200 1.51% 1,841 1.19% Consumer indirect 6,201 1.18% 7,467 1.42% 9,365 1.69% 7,459 1.22% Total allowance for loan and lease losses/allowance for credit losses $35,096 1.08% 38,137 1.17% $49,445 1.50% $41,215 1.21% Reserve for unfunded lending commitments $274 $386 $404 $372

Total Other Real Estate Owned Sales of foreclosed properties for the nine months ended 9/30/21 totaled $3.6 millionNew bookings in the first nine months of 2021 totaled $0.9 millionProperties under contract to sell at September 30, 2021 totaled $0.4 million (in millions) 30

Total Depositsincluding Repurchase Agreements 2021 goal for total deposits including repurchase agreements - $4.30 to $4.47 billion (in billions) 31 Total Depositsincluding Repurchase Agreements September 30, 2021

Our Hoops CD product has been offered for over 21 years100 basis point increase in rate in 1996, 1998, and 2012 with the University of Kentucky’s NCAA Basketball Championships$194 million in Hoops CDs as of 9/30/21 12 Month Certificate of Deposit: April 10th through maturity, rate paid is adjusted by 1 basis point for each University of Kentucky win; bonus 100 basis points added to rate for National Championship win. 32

Shareholder Value

Dividends Per Share Dividend payout ratio at September 30, 2021 was 30.3%Desired level between 40% and 50%September 30, 2021 cash dividend yield was 3.80%Cash dividend increased to $0.40 per share effective October 1, 2021, an increase of 3.9% 34 *2021 is projected DPS

Shareholders’ Equity Shareholders’ equity has increased 28.6% during the past five years6.4% compound growth rate for the past five years2021 goal for shareholders’ equity - $682.6 to $710.5 million (in millions) 35 6.4%

Book Value Per Share Tangible Common Equity/Assets 36

Total Market Capitalization Peer data obtained from S&P Global; peer group consists of publicly traded regional bank holding companies with comparative assets, as defined in our Proxy Statement. 37 Price to Tangible Book Value 2016 2017 2018 2019 2020 9/30/21CTBI 2.01x 1.79x 1.41x 1.51x 1.12x 1.20xPeer 1.83x 2.17x 1.96x 1.85x 1.73x 1.81x All data is as of year-end except 2021 which is as of September 30, 2021. (in millions)

5 Year Cumulative Total ReturnComparison of CTBI, NASDAQ Stock Market (U.S.), and NASDAQ Bank Stocks An investment in CTBI stock on December 31, 2015 would have underperformed the NASDAQ Stock Market (U.S.) and the NASDAQ Bank Stocks Index at December 31, 2020. 38

Comparison to Russell 2000 Indexof Small Cap Companies 3-, 5-, and 10-year total returns annualized Return to Investors 39 September 30, 2021

Core Value Long-Term Investment 12 stock splits and 10 stock dividends41 years of consecutive increases in cash dividends5-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 IndexCTBI shareholders include212 institutional investors (including CTIC – 10.01%) hold 10.8 million shares (57.3%)344 mutual funds hold 5.6 million shares (31.2%) Data as of September 30, 2021 40

Key Strategic Initiatives

Operational Priorities Build core earnings capacityQuality loan growthLow cost deposit growthMaintain net interest margin Operational efficiencyExpense controlNoninterest revenue growthCompliance managementIncrease noninterest incomeWealth managementBrokerageLife insuranceContinuing focus on improving asset quality Liquidation of other real estate owned 42

CTBI’s Franchise Value History of solid investor returnsHistorically strong capital positionInvestor focused dividend policyDividend Achievers IndexConsistent financial performanceCommunity banking strategyEconomic diversity in the markets we serveStrong experienced management team and over 1,000 dedicated employeesOur shareholders 43