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 institution. Waters manages the expansion of commercial and personal banking services across Kentucky, West Virginia, and Tennessee. By overseeing the integration of digital banking platforms and traditional trust services, the President & Chief Executive Officer ensures consistent growth in the loan portfolio and deposit base. This leadership role involves constant collaboration with the Board to maintain financial stability while navigating complex regulatory environments. Andy Waters drives the implementation of asset-based financing and cash management solutions to support small and mid-sized community businesses. Through rigorous oversight of capital allocation and risk management, the President & Chief Executive Officer secures the long-term viability of the bank. This executive leadership maintains a focus on delivering high-quality financial products to diverse regional markets.

Wayne Aswell, the President & Chief Executive Officer at Community Trust Bank, architects the operational framework for wealth management and estate planning services. Aswell focuses on the delivery of fiduciary duties, including acting as a trustee for personal and employee benefit trusts. By optimizing the investment agency services and securities brokerage offerings, the President & Chief Executive Officer enhances the value proposition for high-net-worth clients. This leadership role requires deep engagement with estate executors and bond issue agents to ensure seamless financial administration. Wayne Aswell drives the development of annuity and life insurance products to diversify the bank's revenue streams. Through the management of complex financial instruments and repurchase agreements, the President & Chief Executive Officer strengthens the institution's market position. This executive leadership ensures that all trust and wealth management operations align with the broader mission of serving community financial needs.

Rebecca Hensley, the Middlesboro Market President at Community Trust Bank, oversees all banking operations and client relationships within the Middlesboro region. Hensley directs the local delivery of commercial loans, mortgage services, and consumer banking products. By managing the local branch team, the Middlesboro Market President ensures that community members receive personalized attention for checking, savings, and individual retirement accounts. This leadership role involves building strong ties with local businesses to facilitate construction and real estate financing. Rebecca Hensley drives the adoption of mobile and internet banking services to improve customer accessibility in the region. Through the consistent application of bank policies and credit standards, the Middlesboro Market President maintains high service quality and operational efficiency. This executive leadership supports the bank's mission by fostering economic growth and financial stability within the specific geographic footprint of the Middlesboro market.

Ina Matthews, the Director, President of Childers Oil and Double Kwik at Community Trust Bank, provides strategic guidance on corporate governance and external business partnerships. Matthews leverages extensive industry experience to advise the Board on market trends and operational synergies. By overseeing the alignment between the bank's commercial lending services and the needs of regional enterprises, the Director, President of Childers Oil and Double Kwik ensures that financial products remain relevant to the local economy. This leadership role involves evaluating investment opportunities and risk profiles to protect shareholder interests. Ina Matthews drives initiatives that enhance the bank's reputation as a reliable partner for small and mid-sized businesses. Through active participation in high-level decision-making, the Director, President of Childers Oil and Double Kwik contributes to the overall stability and growth of the institution. This executive leadership ensures that the bank remains responsive to the evolving demands of the regional business landscape.

Billie Dollins, the Central KY Region President at Community Trust Bank, oversees the strategic execution of banking services throughout the Central Kentucky market. Dollins directs the regional sales and service teams to expand the bank's presence in commercial and personal lending. By managing the portfolio of residential and commercial real estate loans, the Central KY Region President ensures that the bank meets the capital needs of local developers and homeowners. This leadership role involves fostering relationships with community leaders to drive business development and market share growth. Billie Dollins drives the implementation of cash management and funds transfer services for regional corporate clients. Through the monitoring of regional economic indicators, the Central KY Region President adjusts lending strategies to maintain portfolio health. This executive leadership ensures that the bank remains a primary financial resource for the diverse communities located within the Central Kentucky region.

Duanne Thompson, the Market President at Community Trust Bank, manages the delivery of specialized financial services and customer support within the assigned market area. Thompson directs the local branch operations to ensure the effective provision of checking, savings, and money market accounts. By overseeing the origination of consumer and personal loans, the Market President facilitates financial access for local residents. This leadership role involves coordinating with the central office to implement new banking technologies and service offerings. Duanne Thompson drives the growth of the local deposit base by emphasizing the bank's commitment to community-focused service. Through the management of daily branch activities and staff performance, the Market President maintains high standards of operational excellence. This executive leadership supports the bank's mission by providing reliable and accessible financial solutions tailored to the specific needs of the local community.

Jesse Johnson, the Danville Market President at Community Trust Bank, oversees all banking activities and client engagement strategies within the Danville area. Johnson directs the local team in providing comprehensive commercial and personal banking services, including lines of credit and term loans. By managing the local loan portfolio, the Danville Market President ensures that the bank effectively supports the financial requirements of local businesses and individuals. This leadership role involves active participation in community events to strengthen the bank's local presence and brand recognition. Jesse Johnson drives the adoption of e-statement and mobile banking services to enhance the customer experience in the Danville market. Through the rigorous assessment of credit risk and loan performance, the Danville Market President maintains the quality of the regional asset base. This executive leadership ensures that the bank remains a trusted financial partner for the Danville community.

Andrew Jones, the Northeast Region President at Community Trust Bank, manages the strategic operations and business development efforts across the Northeast region. Jones directs the regional expansion of commercial and mortgage lending services to meet the needs of a growing client base. By overseeing the performance of local branches, the Northeast Region President ensures that the bank delivers consistent and high-quality financial services. This leadership role involves collaborating with other regional heads to share best practices and optimize operational efficiency. Andrew Jones drives the implementation of specialized loan products, including asset-based financing, to support regional economic development. Through the management of regional sales targets and customer satisfaction metrics, the Northeast Region President maintains a competitive market position. This executive leadership ensures that the bank's mission of community-focused banking is effectively executed throughout the Northeast region.

Jeff Lilly, the Market President at Community Trust Bank, oversees the operational success and client service standards within the assigned market. Lilly directs the local branch staff in the provision of essential banking services, including savings certificates and individual retirement accounts. By managing the local loan pipeline, the Market President ensures that the bank provides timely and effective financing solutions for personal and commercial needs. This leadership role involves maintaining strong relationships with local stakeholders to identify new business opportunities and community needs. Jeff Lilly drives the integration of modern banking tools, such as debit cards and internet banking, to improve service delivery. Through the consistent application of bank-wide operational procedures, the Market President ensures that all local activities align with the institution's core values. This executive leadership supports the bank's mission by fostering long-term financial health for clients within the market.

Wayne Hancock, the Executive Vice President & Chief Legal Officer at Community Trust Bank, manages all legal affairs, regulatory compliance, and corporate governance matters. Hancock directs the legal team in reviewing loan agreements, lease-financing contracts, and letters of credit to mitigate institutional risk. By overseeing the bank's adherence to state and federal banking regulations, the Executive Vice President & Chief Legal Officer ensures that all operations remain within legal boundaries. This leadership role involves providing counsel on complex transactions, including estate administration and bond issues. Wayne Hancock drives the development of internal policies that govern data privacy and consumer protection. Through the management of litigation and external legal counsel, the Executive Vice President & Chief Legal Officer protects the bank's assets and reputation. This executive leadership provides the necessary legal foundation for the bank to offer secure and reliable financial services across its entire operational territory.