Community Trust (NASDAQ: CTBI) EVP Andy Waters reports 821-share grant

Rhea-AI Filing Summary

Community Trust Bancorp Executive Vice President Andy D. Waters reported an acquisition of common stock. On January 27, 2026, he acquired 821 shares of common stock at a price of $0 per share, increasing his directly held stake to 2,481 shares.

The filing also shows additional holdings of 632 directly owned shares of common stock and 7,978.3896 shares held indirectly through an ESOP. This Form 4 reflects updated insider ownership and a stock award rather than an open-market purchase.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Waters Andy D

(Last) (First) (Middle)

100 EAST VINE STREET

(Street)

LEXINGTON KY 40507-1406

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
COMMUNITY TRUST BANCORP INC /KY/ [ CTBI ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Executive Vice President

3. Date of Earliest Transaction (Month/Day/Year)
01/27/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	01/27/2026		A		821	A	$0	2,481	D
Common Stock								632	D
Common Stock								7,978.3896	I	By ESOP

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	Andy D. Waters : Cynthia L Adkins, Attorney-in-Fact Stock Transfer Administrator	01/28/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did CTBI executive Andy D. Waters report?

Andy D. Waters reported receiving 821 shares of Community Trust Bancorp common stock. The shares were acquired on January 27, 2026 at a stated price of $0 per share, indicating a stock award or similar grant rather than a market purchase.

How many CTBI shares does Andy D. Waters own directly after this filing?

After the reported transaction, Andy D. Waters directly owns 2,481 shares of Community Trust Bancorp common stock. The Form 4 shows this total following the 821-share acquisition that occurred on January 27, 2026 at a price of $0 per share.

What indirect CTBI holdings does Andy D. Waters report through the ESOP?

The filing lists 7,978.3896 shares of Community Trust Bancorp common stock held indirectly by Andy D. Waters through an ESOP. These ESOP shares are reported separately from his directly owned shares, reflecting beneficial ownership via an employee stock ownership plan.

Did Andy D. Waters buy CTBI shares on the open market in this Form 4?

The Form 4 shows an acquisition of 821 CTBI shares at a price of $0 per share, which typically reflects a grant or award. There is no indication in this filing of an open-market purchase at a positive per-share price.

What is Andy D. Waters’ role at Community Trust Bancorp?

Andy D. Waters is reported as an officer of Community Trust Bancorp, serving as Executive Vice President. This role is disclosed in the Form 4, which identifies his relationship to the issuer when reporting his ownership and the recent share acquisition.