Serving the area since 2000, Community Trust Bank prides itself on meeting customers’ financial needs.

“When you walk through our doors you are greeted by name, by people who are genuinely happy to see you,” said Miranda Penn, vice president and residential lender at the east side location. “Our community banking model allows us to better meet customer needs and allows us to have long lasting relationships.”

With a full suite of banking products and two convenient locations — 427 Versailles Road and 1205 US 127 South, Community Trust Bank offers a variety of banking services.  

“Our ability to find or create a financial solution to fit everybody’s needs is what sets us apart from other banks,” said John Senter, vice president and residential lender at the west side location. “We are a community bank and we realize everybody’s situation is different. We have the flexibility to work with every customer one on one to assist them with their unique situation.”

Community Trust Bank Vice President Branch Manager/Residential Lender Miranda Penn, Vice President Commercial Lending Robert T. Brewer and Vice President Branch Manager/Residential Lender John M. Senter pose for a photo in the branch at 1205 U.S. Highway 127 S. (Photo by Hannah Brown)

In addition to CDs, the financial institution also offers checking, savings, personal and business accounts.

Consumer, home, construction, business and commercial loans, as well as, in-house and secondary market loans up to 30 years and government loans, including Veterans Affairs, Federal Housing Administration and Rural Housing Service, are also available.

“We retain and service all of our mortgages, with the exception of government loans, which means we do not sell or transfer your mortgage to another institution,” Senter said. “You will always make your payments at Community Trust Bank.”

For those wishing to build, two construction loans — the conventional construction and construction to permanent loans, can make homeownership dreams become reality.

“There is no greater feeling than meeting with customers at the closing table, whether closing on their first home or their fifth home, there is always a ton of excitement in the room,” Senter added.

Community Trust Bank also has a wide range of online banking options conveniently at customers’ fingertips. The mobile banking app allows for easy account access from any smart phone. Customers can also make mobile deposits and use Apple Pay for point-of-sale purchases.

The bank’s focus on personal attention allows it to put its customers first.

“All my customers have my cell phone number and can reach me anytime,” Robert Brewer, vice president and commercial lender, said. “If they have a question about their relationship, need guidance, or encouragement they can stop in to see me or I can come see them. No appointment required.”

Brewer, whose family has been in Frankfort for more than seven generations, is proud to serve and support the community.

“Everyone who walks through my door is family and I treat them as such and work hard to help them achieve their goals and dreams,” he said. “I want everyone to know they have been treated with respect, honesty and are appreciated.”

The staff, which consists of 12 full-time employees — seven at the Versailles Road location and five at the U.S. 127 South location, is tenured — something that is unusual in the banking industry.

“Our people set us apart,” Penn said. “We have people who stick around because they are truly happy to work for this great company and their work ethic is contagious.”