Directors CTBI Directors Mark A Gooch, Chairman Eugenia “Crit” Luallen, Vice Chairman Charles J. Baird 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 Charles Baird Franklin H. Farris, Jr. E.B. Lowman II Eugenia “Crit” Luallen James E. McGhee II Andy Waters

Executive Officers 3 Mark A. Gooch Chairman, President, and CEO Richard W. Newsom CTB President Andy Waters CTIC President and CEO Kevin J. Stumbo EVP/Chief Financial Officer Steven E. Jameson EVP/Chief Internal Audit and Risk Officer Mark Smith EVP/Chief Credit Officer James B. Draughn EVP/Operations C. Wayne Hancock EVP/Chief Legal Officer Billie J. Dollins EVP/Central Region President David Tackett EVP/Eastern Region President Ricky 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 2023 Annual Report on Form 10-K, Cautionary Statement Regarding Forward Looking Statements for additional information. 4

2023 Key Metrics Total Assets $5.8 billion Market Capitalization $789.5 million Cash Dividend Yield 4.20% P/E Ratio 10.6x Price to Book Value 1.1x Price to Tangible Book Value 1.2x Tangible Common Equity Ratio 11.16% 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, 2023 Deposit market share as of June 30, 2023

Our Banking Franchise Central Region Eastern Region Northeastern Region Loans - $926 million Loans - $987 million Loans - $443 million Deposits - $1.2 billion Deposits - $1.9 billion Deposits - $654 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 - $868 million Loans - $824 million Deposits - $1.1 billion CTIC • Campbellsville Assets Under Management - $3.4 billion (including $1.2 billion CTB) • LaFollette Revenues - $17.9 million • Middlesboro • Mt. Vernon • Ashland • Williamsburg • Danville • LaFollette • Lexington • Pikeville Financial data as of December 31, 2023 6

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

2023 Performance

2023 Performance Summary Goals Results Earnings $82.0 - $85.4 million $78.0 million EPS $4.57 - $4.75 per share $4.36 per share ROAA 1.50% - 1.56% 1.40% ROAE 12.26% - 12.76% 11.75% Assets $5.38 - $5.72 billion $5.77 billion Loans $3.77 - $3.92 billion $4.05 billion Deposits $4.64 - $4.83 billion $4.95 billion Shareholders’ equity $686.5 - $714.5 million $702.2 million 9

Shareholder Value

Dividends Per Share 2023 cash dividends increased 7.1% Dividend payout ratio for 2023 was 41.3% Desired level between 40% and 50% December 31, 2023 cash dividend yield was 4.20% Cash dividend increased to $0.46 per share effective October 1, 2023 11

Shareholders’ Equity Shareholders’ equity has increased 14.2% during the past five years 4.5% compound growth rate for the past five years (in millions) 12 4.5%

Book Value Per Share Tangible Common Equity/Assets 13

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. (in millions) 14 Price to Tangible Book Value 2019 2020 2021 2022 2023 CTBI 1.51x 1.12x 1.23x 1.46x 1.24x Peer 1.85x 1.73x 1.81x 1.89x 1.94x

5 Year Cumulative Total ReturnComparison of CTBI, NASDAQ Stock Market (U.S.), and NASDAQ Bank Stocks An investment in CTBI stock on December 31, 2018 would have underperformed the NASDAQ Stock Market (U.S.) and the NASDAQ Bank Stocks Index at December 31, 2023. 15

Comparison to Russell 2000 Indexof Small Cap Companies 3-, 5-, and 10-year total returns annualized Return to Investors December 31, 2023 16

Core Value Long-Term Investment 12 stock splits and 10 stock dividends 43 years of consecutive increases in cash dividends 5-year compound growth rate of cash dividends 5.5% Stock included in the NASDAQ Global Select Market, NASDAQ Dividend Achievers Index, and NASDAQ Bank Stock Index CTBI shareholders include 204 institutional investors (including CTIC – 11.36%) hold 11.1 million shares (59.5%) 274 mutual funds hold 5.3 million shares (29.6%) Data as of December 31, 2023 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 Review

Earnings Per Share EPS decreased 5.0% from 2022 to 2023 20

Return on Average Assets Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 12/31/2023 for bank holding companies with consolidated assets of $3 billion to $10 billion. 21

Net Income Net income decreased 4.7% from 2022 to 2023 (in millions) 22

Revenues 2023 revenues increased 1.7% from 2022 (in millions) 23

Noninterest Incomeas a % of Total Revenue 2023 noninterest income decreased 0.4% from 2022 Decreases in loan related fees, gains on sales of loans and brokerage revenue (in millions) 24

Net Interest Revenue 2023 net interest revenue increased by 2.4% from 2022 Net interest margin remained at 3.32% from 2022 Average earning assets increased $114.8 million, or 2.2% (in millions) 25

Net Interest Margin Pressure on the margin 1-year cumulative gap position at 12/31/23 – (21.22)% Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 12/31/2023 for bank holding companies with consolidated assets of $3 billion to $10 billion. % of assets repricing Within 30 days 19.35% % of liabilities repricing Within 30 days 49.21% Within 90 days 54.15% Within 180 days 56.41% 26

Net Noninterest Expenseas a % of Average Earning Assets Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 12/31/2023 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 12/31/23 increased $389.4 million, or 7.2%, from 12/31/22 Loans increased $341.6 million or 9.2% Investment portfolio decreased $91.5 million or 7.3% Deposits increased $308.3 million or 6.6% (in billions) 29

Total Loans Total loans at 12/31/23 increased 9.2% from 12/31/22 Loan and line of credit production for the year totaled $1.0 billion (in billions) 30 Loan Portfolio Mix December 31, 2023

Concentrations of Creditas a % of Total Loans December 31, 2023 There were no nonperforming loans in any of these loan categories as of December 31, 2023. 31

Net Charge-offsas a % of Average Loans Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 12/31/2023 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 $1.6 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 12/31/2023 for bank holding companies with consolidated assets of $3 billion to $10 billion. 33

Total Other Real Estate Owned (in millions) 34

Total Depositsincluding Repurchase Agreements (in billions) December 31, 2023 35

1st Quarter 2024 Review

Key Metrics – 1st Quarter 2024 Total Assets $5.9 billion Market Capitalization $768.5 million Cash Dividend Yield 4.31% P/E Ratio 10.2x Price to Book Value 1.1x Price to Tangible Book Value 1.2x Tangible Common Equity Ratio 11.10% Financial data as of March 31, 2024 37

Earnings Per Share 38

Net Income 39 (in millions)

Earnings Net interest income for the quarter of $43.6 million was $0.6 million, or 1.4%, above prior quarter but $0.3 million, or 0.7%, below first quarter 2023. Provision for loan losses for the quarter of $2.7 million was $0.8 million above prior quarter and $1.5 million above first quarter 2023. Noninterest income for the quarter ended March 31, 2024 of $15.1 million was $1.4 million, or 10.3%, above prior quarter, and $1.5 million, or 10.6%, above prior year same quarter. Noninterest expense for the quarter ended March 31, 2024 of $32.2 million, was $0.6 million, or 1.9%, above prior quarter, and $0.3 million, or 1.0%, above prior year same quarter. 40

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

Noninterest Expense Q-O-Q increase in personnel expense, partially offset by decreases in other direct expenses and advertising expense Personnel expense increases included bonuses and incentives and group medical and life insurance Other direct expense decrease was the result of an accounting change related to the amortization of tax credits Y-O-Y increase in personnel expense, partially offset by a decrease in other direct expenses Personnel expense increases in salaries and the cost of group medical and life insurance Other direct expense decrease was related to the amortization of tax credits 42 (in millions)

Total Assets Total assets at 3/31/24 increased $80.6 million, or an annualized 5.6%, during the first quarter Loans increased $110.3 million Investment portfolio decreased $51.8 million Deposits in other banks increased $25.0 million Deposits, including repurchase agreements, increased $69.1 million 43 (in millions)

Total Loans Increased at an annualized rate of 10.9% during the quarter Increased from prior year first quarter 10.2% 44 (in millions)

Nonperforming Loansas a % of Total Loans 45

Nonperforming Assetsas a % of Total Assets 46

Net Charge-offsas a % of Average Loans (annualized) 47

Allowance for Credit Losses Provision for loan losses for the quarter was $2.7 million, compared to $1.8 million for the quarter ended December 31, 2023 and $1.1 million for the first quarter 2023. Our reserve coverage (allowance for credit losses to nonperforming loans) at March 31, 2024 was 319.0% compared to 354.7% at December 31, 2023 and 382.3% at March 31, 2023. Our credit loss reserve as a percentage of total loans outstanding at March 31, 2024 remained at 1.22% from December 31, 2023, compared to 1.24% at March 31, 2023. 48

Total Depositsincluding Repurchase Agreements Increased an annualized 5.6% from prior quarter Increased 5.6% from prior year first quarter 49 (in billions)

Efficiency Ratio 50

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 52

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 approximately 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. 53