Community Trust Bank Executive and Leadership Team

May, 2026

Leadership Overview

Community Trust Bank has 10 executives leading key functions including strategy, operations, legal, and regional management.

Driven by a commitment to community, Community Trust Bank provides comprehensive financial services, fostering economic growth and stability across its operational regions through a philosophy of personalized service and robust financial solutions.

Leadership Roles at Community Trust Bank

  • President & Chief Executive Officer - Andrew Waters
  • President & Chief Executive Officer - Wayne Aswell
  • Market President - Billie Dollins
  • Market President - Paola Roe
  • Northeast Region President - Andrew Jones
  • Market President - Jeffrey Lilly
  • Director, President of Childers Oil and Double Kwik - Ina Matthews
  • Market President (Pikeville) - Brett Keene
  • Market President (Floyd & Knott County ) - John Caldwell
  • Executive Vice President & Chief Legal Officer - Wayne Hancock
  • Andrew Waters - President & Chief Executive Officer

    Andrew Waters, the President & Chief Executive Officer at Community Trust Bank, directs the overarching strategy and operational execution for the financial institution. Waters guides the company's expansion and service delivery across Kentucky, West Virginia, and Tennessee, ensuring alignment with the core mission of supporting small and mid-sized communities. This leadership role involves overseeing all banking, trust, and wealth management services, from deposit acquisition to complex loan portfolios. Waters drives the integration of new technologies, such as mobile and internet banking, to enhance customer experience and operational efficiency. The Chief Executive Officer's focus extends to maintaining strong relationships with stakeholders and ensuring the long-term financial health and market competitiveness of Community Trust Bank. By setting strategic priorities, Andrew Waters ensures the bank remains a vital economic partner in the regions it serves.
    Andrew Waters

    Wayne Aswell - President & Chief Executive Officer

    Wayne Aswell, the President & Chief Executive Officer at Community Trust Bank, spearheads the strategic direction and comprehensive management of the bank's operations. Aswell's leadership encompasses the full spectrum of financial services offered, including commercial and personal banking, trust, and wealth management. This executive guides the institution's growth initiatives and ensures the delivery of tailored financial solutions to its customer base in Kentucky, West Virginia, and Tennessee. Aswell's responsibilities include fostering innovation in service offerings, such as digital banking and specialized loan products, to meet evolving market demands. The Chief Executive Officer's role is critical in maintaining the bank's commitment to serving small and mid-sized communities. Wayne Aswell drives the strategic vision that underpins Community Trust Bank's market presence and financial performance.

    Billie Dollins - Market President

    Billie Dollins, the Market President at Community Trust Bank, manages and expands the bank's presence and service offerings within a specific geographic market. Dollins oversees all local banking operations, including commercial and personal banking, loan origination, and customer relationship management. This leadership position focuses on understanding and addressing the unique financial needs of the local community, ensuring the delivery of personalized services. The Market President drives business development initiatives, cultivating relationships with local businesses and residents to foster economic growth. Dollins ensures that the bank's strategic objectives are met at the local level, contributing to the overall success of Community Trust Bank. Billie Dollins champions the bank's commitment to community engagement and financial support.

    Paola Roe - Market President

    Paola Roe, the Market President at Community Trust Bank, directs regional operations and client engagement to drive business growth and service excellence. Roe's purview includes managing a portfolio of banking services, from deposit accounts to diverse loan products, tailored to the specific economic landscape of the assigned market. This executive cultivates strong relationships with local businesses and individuals, ensuring Community Trust Bank remains a trusted financial partner. Roe oversees the implementation of strategic initiatives at the market level, focusing on enhancing customer satisfaction and expanding the bank's reach. The Market President's role is vital in translating the company's broader financial mission into tangible local impact. Paola Roe ensures the consistent delivery of high-quality financial solutions and community support.

    Andrew Jones - Northeast Region President

    Andrew Jones, the Northeast Region President at Community Trust Bank, leads strategic development and operational oversight for the bank's activities across its northeastern territories. Jones directs the expansion of commercial and personal banking services, trust, and wealth management offerings within this key geographic area. This executive focuses on strengthening market position by fostering deep community ties and delivering customized financial solutions. Jones oversees the management of loan portfolios, including commercial, construction, and mortgage lending, to support regional economic development. The Northeast Region President ensures seamless integration of banking services and drives initiatives that enhance customer engagement and loyalty. Andrew Jones plays a pivotal role in achieving the bank's growth objectives and reinforcing its commitment to the communities served.

    Jeffrey Lilly - Market President

    Jeffrey Lilly, the Market President at Community Trust Bank, oversees the strategic direction and operational execution within a designated market area. Lilly manages the delivery of a comprehensive suite of financial services, including commercial and personal banking, trust, and wealth management, ensuring alignment with community needs. This leadership role involves driving business development, cultivating client relationships, and expanding the bank's service footprint. Lilly ensures the effective management of loan portfolios and deposit-gathering activities, contributing to the financial vitality of the region. The Market President's focus is on enhancing customer experience and operational efficiency through innovative banking solutions. Jeffrey Lilly champions Community Trust Bank's mission of providing essential financial support and fostering local economic prosperity.

    Ina Matthews - Director, President of Childers Oil and Double Kwik

    Ina Matthews, the Director, President of Childers Oil and Double Kwik at Community Trust Bank, directs the strategic operations and financial performance of these key subsidiary entities. Matthews oversees the integration of these businesses within the broader Community Trust Bank framework, ensuring synergistic growth and operational efficiency. This leadership role involves managing diverse business functions, from retail operations to supply chain logistics, and driving profitability. Matthews focuses on expanding market reach and enhancing customer engagement for both Childers Oil and Double Kwik. The President's responsibilities include overseeing financial planning, resource allocation, and strategic partnerships to support sustained business development. Ina Matthews plays a critical part in diversifying Community Trust Bank's service portfolio and strengthening its market presence.

    Brett Keene - Market President (Pikeville)

    Brett Keene, the Market President (Pikeville) at Community Trust Bank, leads the strategic initiatives and operational management for the Pikeville market. Keene directs all local banking activities, including commercial and personal banking services, loan origination, and wealth management, ensuring alignment with community needs and bank objectives. This executive focuses on cultivating strong client relationships and driving business development within the region. Keene oversees the effective management of deposit accounts and loan portfolios, supporting local economic growth. The Market President's role is crucial in translating the bank's broader mission into tangible local impact, enhancing customer satisfaction and expanding service accessibility. Brett Keene champions Community Trust Bank's commitment to financial stewardship and community partnership.

    John Caldwell - Market President (Floyd & Knott County )

    John Caldwell, the Market President (Floyd & Knott County ) at Community Trust Bank, spearheads the strategic direction and operational oversight for banking activities within Floyd and Knott Counties. Caldwell manages the delivery of comprehensive financial services, including commercial lending, personal banking, and trust services, tailored to the specific economic conditions of these communities. This executive focuses on building robust client relationships and driving market penetration through localized strategies. Caldwell ensures the effective management of loan portfolios and deposit growth, contributing to regional economic development. The Market President's role is vital in reinforcing Community Trust Bank's commitment to serving its local customer base. John Caldwell champions the bank's mission of providing accessible and reliable financial solutions.
    Wayne Hancock, the Executive Vice President & Chief Legal Officer at Community Trust Bank, directs all legal affairs and ensures regulatory compliance across the organization. Hancock oversees the legal framework supporting the bank's diverse operations, including commercial and personal banking, trust, and wealth management services. This critical role involves managing risk, advising on corporate governance, and safeguarding the bank's interests in all legal matters. Hancock ensures adherence to federal and state banking regulations, mitigating potential legal challenges and liabilities. The Chief Legal Officer's responsibilities extend to supporting strategic decision-making with sound legal counsel. Wayne Hancock plays an essential part in maintaining the integrity and stability of Community Trust Bank's operations.

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    Frequently Asked Questions Regarding Community Trust Bank Top Executives and Leadership Team

    Who leads Community Trust Bank?
    Community Trust Bank is led by Andrew Waters (President & Chief Executive Officer), along with executives such as Wayne Aswell (President & Chief Executive Officer) and Billie Dollins (Market President).
    Who is part of Community Trust Bank’s executive team?
    The executive team of Community Trust Bank includes leaders such as Andrew Waters (President & Chief Executive Officer), Wayne Aswell (President & Chief Executive Officer), Billie Dollins (Market President) and other senior executives.
    How many executives does Community Trust Bank have?
    Community Trust Bank has 10 executives leading key business areas.
    What roles are included in Community Trust Bank’s leadership team?
    The leadership team of Community Trust Bank includes roles such as President & Chief Executive Officer, President & Chief Executive Officer, Market President, Market President, Northeast Region President.