Community Trust Bank Executive and Leadership Team

Andy Waters, the President & Chief Executive Officer at Community Trust Bank, directs the overarching strategic vision and operational performance of the organization. Waters oversees the expansion of commercial and personal banking services across Kentucky, West Virginia, and Tennessee. By aligning the bank holding company objectives with local community needs, the President & Chief Executive Officer ensures sustainable growth in loan portfolios and deposit services. This leadership role involves constant collaboration with the Board to refine wealth management and trust service offerings. Through rigorous oversight of asset-based financing and real estate lending, Andy Waters maintains the financial health of the institution. The President & Chief Executive Officer drives the integration of digital banking platforms to enhance customer accessibility. Ultimately, Waters secures the long-term stability of the bank by fostering strong relationships with small and mid-sized business clients throughout the regional footprint.

Wayne Aswell, the President & Chief Executive Officer at Community Trust Bank, manages the internal operational infrastructure and risk management frameworks. Aswell focuses on optimizing the delivery of cash management, funds transfer services, and specialized lease-financing products. The President & Chief Executive Officer monitors the performance of consumer loan portfolios and residential real estate lending to ensure compliance with regulatory standards. By streamlining the administrative processes for safe deposit boxes and letters of credit, the President & Chief Executive Officer improves operational efficiency across all branches. Wayne Aswell coordinates with department heads to implement advanced security protocols for mobile and internet banking services. This executive role requires precise management of capital allocation to support the diverse financial needs of the bank's client base. Through disciplined oversight of annuity and insurance product offerings, Aswell strengthens the competitive market position of the institution.

Paola Roe, the Versailles Market President at Community Trust Bank, leads all banking operations and client engagement initiatives within the Versailles market. Roe oversees the delivery of personal and commercial banking services, ensuring that local businesses and residents receive tailored financial support. The Versailles Market President manages the local loan portfolio, including construction and personal loans, while driving growth in savings and money market accounts. By fostering deep connections with the community, Paola Roe identifies opportunities for wealth management and trust services. This leadership role involves coordinating with regional teams to implement corporate initiatives at the local level. Through active participation in community development, the Versailles Market President enhances the visibility and reputation of the bank. Roe ensures that all banking activities align with the broader mission of providing accessible, high-quality financial services to the local population.

Billie Dollins, the Central KY Region President at Community Trust Bank, directs the strategic growth and operational success of the bank across the central Kentucky region. Dollins oversees a diverse portfolio of commercial and consumer banking activities, ensuring consistent service delivery across multiple branches. The Central KY Region President manages regional loan production, including revolving lines of credit and term loans, to support local economic development. By supervising the implementation of cash management and brokerage services, Billie Dollins drives revenue growth and client retention. This leadership role requires close collaboration with market presidents to ensure regional alignment with corporate goals. Through the effective management of regional resources, the Central KY Region President optimizes the bank's market share. Dollins maintains a focus on delivering superior financial solutions that meet the specific needs of the central Kentucky community.

David Tackett, the President, Ky Region (East) at Community Trust Bank, manages the banking operations and strategic initiatives throughout the eastern Kentucky region. Tackett oversees the provision of comprehensive financial services, including mortgage lending, commercial real estate loans, and personal banking products. The President, Ky Region (East) drives the expansion of the bank's footprint by identifying new opportunities for asset-based financing and specialized lending. By coordinating with local branch managers, David Tackett ensures that the bank's service standards remain high across the entire eastern territory. This leadership role involves managing regional risk and ensuring that all lending activities support the economic vitality of the communities served. Through the strategic deployment of mobile and internet banking services, the President, Ky Region (East) enhances the customer experience. Tackett maintains a strong focus on building long-term relationships with clients to ensure the continued success of the bank.

Jesse Johnson, the Danville Market President at Community Trust Bank, leads the banking operations and client service efforts within the Danville market. Johnson oversees the delivery of personal and commercial banking solutions, including checking accounts, savings certificates, and individual retirement accounts. The Danville Market President manages the local loan portfolio, focusing on residential and commercial real estate lending to support regional growth. By actively engaging with local business owners and individuals, Jesse Johnson identifies needs for trust and wealth management services. This leadership role involves implementing corporate strategies at the local level to drive deposit growth and loan production. Through the effective management of branch staff, the Danville Market President ensures that all customers receive personalized financial guidance. Johnson maintains a commitment to the bank's mission by providing reliable and accessible banking services to the Danville community.

Richard Newsom, the Bank President at Community Trust Bank, manages the day-to-day banking operations and ensures the delivery of high-quality financial services across the entire organization. Newsom oversees the bank's core deposit and lending functions, including checking, savings, and money market accounts. The Bank President drives the implementation of operational policies that enhance efficiency and customer satisfaction. By supervising the bank's loan portfolio, including consumer and commercial loans, Richard Newsom ensures that the institution maintains a healthy balance of risk and return. This leadership role involves collaborating with regional presidents to maintain consistent service standards throughout the bank's footprint. Through the effective management of branch operations and digital banking services, the Bank President supports the bank's mission of serving small and mid-sized communities. Newsom maintains a focus on operational excellence to ensure the long-term success of the bank.

Trippy Clark, the Market President at Community Trust Bank, leads the banking operations and client relationship management within the assigned market. Clark oversees the delivery of personal and commercial banking services, ensuring that local clients have access to the full range of the bank's financial products. The Market President manages the local loan portfolio, focusing on personal and small business lending to support regional economic activity. By fostering strong community ties, Trippy Clark identifies opportunities for growth in savings and investment services. This leadership role involves coordinating with regional leadership to implement corporate initiatives and ensure service consistency. Through the effective management of local branch staff, the Market President enhances the customer experience and builds brand loyalty. Clark maintains a commitment to the bank's mission by providing tailored financial solutions that meet the specific needs of the local market.

Rebecca Hensley, the Middlesboro Market President at Community Trust Bank, directs all banking operations and client engagement strategies within the Middlesboro market. Hensley oversees the provision of personal and commercial banking services, including checking accounts, savings, and various loan products. The Middlesboro Market President manages the local loan portfolio, focusing on residential and commercial real estate lending to support the local economy. By actively participating in community events and business networks, Rebecca Hensley identifies opportunities for wealth management and trust services. This leadership role involves implementing corporate strategies at the local level to drive deposit growth and loan production. Through the effective management of branch operations, the Middlesboro Market President ensures that all customers receive high-quality financial guidance. Hensley maintains a focus on the bank's mission by providing accessible and reliable banking services to the Middlesboro community.

Ricky Sparkman, the Executive Vice President at Community Trust Bank, directs the bank's specialized financial services and corporate administrative functions. Sparkman oversees the management of complex trust and estate services, acting as a trustee for personal and employee benefit trusts. The Executive Vice President coordinates the bank's investment agency activities and bond issue paying agent services. By supervising the integration of securities brokerage and insurance products, Ricky Sparkman expands the range of financial solutions available to clients. This leadership role involves working with other C-suite executives to ensure that all specialized services align with the bank's overall risk management and growth strategies. Through the oversight of funds transfer services and letters of credit, the Executive Vice President ensures operational excellence. Sparkman drives the development of new service offerings to meet the evolving financial needs of the bank's diverse client base.