Community Trust Bank Executive and Leadership Team

July, 2026

Leadership Overview

Community Trust Bank has 10 executives leading key functions including strategy, legal oversight, and regional market development.

Driven by a commitment to community growth, Community Trust Bank provides comprehensive financial services, fostering economic prosperity through personalized banking and wealth management solutions across its operational regions.

Leadership Roles at Community Trust Bank

  • President & Chief Executive Officer - Wayne Aswell
  • President & Chief Executive Officer - Andrew Waters
  • Floyd and Knott County Market President - John Caldwell
  • Market President - Jeffrey Lilly
  • Advantage Valley Market President - Jimmy Fitzwater
  • President, Market (Richmond) - Timothy Houck
  • LaFollette Market President - Rhonda Longmire
  • Tug Valley Market President - Zachary Thacker
  • Versailles Market President - Paola Roe
  • Executive Vice President & Chief Legal Officer - Wayne Hancock
  • Wayne Aswell - President & Chief Executive Officer

    Wayne Aswell, the President & Chief Executive Officer at Community Trust Bank, directs the overarching corporate strategy and operational execution. Aswell guides the institution's expansion into small and mid-sized communities across Kentucky, West Virginia, and Tennessee, ensuring alignment with the bank's mission of providing essential financial services. This leadership involves overseeing all departments, from commercial and personal banking to trust and wealth management, to drive sustainable growth and profitability. Aswell's strategic vision focuses on enhancing the bank's market position through innovative service delivery and robust risk management practices. The President & Chief Executive Officer ensures the bank's financial health and its capacity to meet evolving customer needs. Wayne Aswell's role is central to maintaining the bank's reputation for reliability and community focus.

    Andrew Waters - President & Chief Executive Officer

    Andrew Waters, the President & Chief Executive Officer at Community Trust Bank, spearheads the strategic direction and comprehensive management of the bank's operations. Waters is responsible for driving the institution's growth and ensuring its financial stability across its service areas in Kentucky, West Virginia, and Tennessee. This executive leadership encompasses the development and implementation of policies that govern commercial banking, personal banking, and trust services. Andrew Waters focuses on enhancing shareholder value while upholding the bank's commitment to serving its communities. The President & Chief Executive Officer oversees all strategic initiatives, including market expansion, product development, and technological advancements. By fostering a culture of excellence, Waters ensures Community Trust Bank remains a trusted financial partner. Andrew Waters's leadership is critical to the bank's long-term success and its ability to adapt to market dynamics.
    Andrew Waters

    John Caldwell - Floyd and Knott County Market President

    John Caldwell, the Floyd and Knott County Market President at Community Trust Bank, drives business development and client relations within these specific Kentucky regions. Caldwell oversees the bank's operations in Floyd and Knott Counties, ensuring personalized service delivery for commercial and personal banking clients. This leadership role involves cultivating strong community ties and identifying local economic opportunities to expand the bank's reach. John Caldwell works closely with local businesses and residents to understand their financial needs and provide tailored solutions, including loans, deposits, and wealth management services. The Market President is instrumental in executing the bank's strategy at the local level, fostering growth and customer loyalty. John Caldwell's deep understanding of the local market dynamics is key to the bank's success in these areas. John Caldwell champions the bank's commitment to community prosperity.

    Jeffrey Lilly - Market President

    Jeffrey Lilly, the Market President at Community Trust Bank, directs regional operations and business development initiatives. Lilly is responsible for enhancing the bank's presence and service offerings within a designated market area, focusing on strengthening client relationships and expanding the customer base. This executive leadership involves overseeing commercial and personal banking activities, ensuring alignment with the bank's overall strategic objectives and commitment to community engagement. Jeffrey Lilly works to identify and capitalize on local market opportunities, driving revenue growth and operational efficiency. The Market President plays a crucial role in representing Community Trust Bank within the community, fostering goodwill and trust. Jeffrey Lilly's focus is on delivering exceptional financial solutions and support to clients. Jeffrey Lilly ensures the bank's localized strategies contribute to broader institutional success.

    Jimmy Fitzwater - Advantage Valley Market President

    Jimmy Fitzwater, the Advantage Valley Market President at Community Trust Bank, leads the bank's strategic initiatives and operational oversight within the Advantage Valley region. Fitzwater is dedicated to fostering strong relationships with local businesses and residents, ensuring the delivery of comprehensive banking and wealth management services. This role involves driving market growth by understanding and addressing the unique financial needs of the Advantage Valley community. Jimmy Fitzwater oversees all aspects of market operations, from commercial lending to personal banking, aiming to enhance customer satisfaction and loyalty. The Market President champions the bank's commitment to community development and economic support. Jimmy Fitzwater's leadership ensures that Community Trust Bank remains a responsive and valuable financial partner in the region. Jimmy Fitzwater's efforts directly contribute to the bank's localized success.

    Timothy Houck - President, Market (Richmond)

    Timothy Houck, the President, Market (Richmond) at Community Trust Bank, spearheads the bank's strategic operations and client engagement within the Richmond market. Houck is responsible for driving business growth, overseeing commercial and personal banking services, and cultivating robust relationships with local businesses and community stakeholders. This leadership position involves ensuring the effective implementation of the bank's financial products and services to meet the specific needs of the Richmond area. Timothy Houck focuses on enhancing market penetration and customer satisfaction through dedicated service and strategic initiatives. The Market President plays a vital role in representing Community Trust Bank's values and commitment to the local economy. Timothy Houck's expertise is essential for navigating the Richmond market landscape. Timothy Houck ensures localized strategies align with the bank's broader objectives.
    Timothy Houck

    Rhonda Longmire - LaFollette Market President

    Rhonda Longmire, the LaFollette Market President at Community Trust Bank, directs all banking operations and business development within the LaFollette region. Longmire is committed to strengthening the bank's presence by providing exceptional financial services to individuals and businesses in the community. This role involves managing client relationships, overseeing loan portfolios, and ensuring the delivery of personalized banking solutions. Rhonda Longmire works to understand the unique economic landscape of LaFollette, tailoring strategies to meet local demands and foster growth. The Market President is key to implementing the bank's mission at the grassroots level, promoting financial literacy and community support. Rhonda Longmire's leadership ensures Community Trust Bank remains a trusted partner for economic advancement. Rhonda Longmire's dedication enhances the bank's local impact.

    Zachary Thacker - Tug Valley Market President

    Zachary Thacker, the Tug Valley Market President at Community Trust Bank, leads the bank's strategic growth and operational excellence within the Tug Valley area. Thacker is focused on expanding the bank's service offerings and deepening client relationships across commercial and personal banking sectors. This executive position involves identifying market opportunities and implementing tailored financial strategies to support local economic development. Zachary Thacker oversees the market's performance, ensuring adherence to regulatory standards and the bank's core values of integrity and community service. The Market President plays a pivotal role in representing Community Trust Bank and fostering trust among customers and partners. Zachary Thacker's leadership is essential for driving success in the Tug Valley region. Zachary Thacker ensures localized efforts contribute to the bank's overall mission.

    Paola Roe - Versailles Market President

    Paola Roe, the Versailles Market President at Community Trust Bank, directs the bank's strategic initiatives and client engagement within the Versailles market. Roe is responsible for overseeing all banking operations, including commercial lending, deposit services, and wealth management, to meet the financial needs of the local community. This leadership role emphasizes building strong relationships with businesses and residents, ensuring personalized service and tailored financial solutions. Paola Roe works to enhance the bank's market share and reputation by fostering a customer-centric approach. The Market President is crucial in executing the bank's mission at the local level, driving economic growth and community development. Paola Roe's expertise in the Versailles market ensures effective strategy implementation. Paola Roe champions the bank's commitment to serving its community.
    Wayne Hancock, the Executive Vice President & Chief Legal Officer at Community Trust Bank, provides critical legal counsel and oversees all regulatory compliance. Hancock manages the bank's legal affairs, ensuring adherence to all federal and state banking laws and regulations across Kentucky, West Virginia, and Tennessee. This role involves mitigating legal risks associated with the bank's diverse financial products, including commercial loans, mortgages, and trust services. Wayne Hancock advises senior management and the board of directors on legal implications of strategic decisions and operational changes. The Executive Vice President & Chief Legal Officer also directs litigation efforts and manages external legal counsel when necessary. Ensuring the integrity of the bank's operations, Hancock's expertise is vital for maintaining trust and stability. Wayne Hancock's oversight protects the institution's assets and reputation.

    Explore Leadership Teams in Banking

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

    Who leads Community Trust Bank?
    Community Trust Bank is led by Wayne Aswell (President & Chief Executive Officer), along with executives such as Andrew Waters (President & Chief Executive Officer) and John Caldwell (Floyd and Knott County Market President).
    Who is part of Community Trust Bank’s executive team?
    The executive team of Community Trust Bank includes leaders such as Wayne Aswell (President & Chief Executive Officer), Andrew Waters (President & Chief Executive Officer), John Caldwell (Floyd and Knott County 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, Floyd and Knott County Market President, Market President, Advantage Valley Market President.