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Ruth State Bank is a Ruth, MI-based company in the Financial Services sector.
We are a modern bank for people and businesses across the Nordics with deep financial competence and leading innovative solutions. The heart of our business is the bright heads of our more than 19,000 employees, working across 15 countries with one common goal: To help our customers reach their goals and realise their ambitions. Since 1871, we have helped our customers become financially confident by making daily banking and important financial decisions easy. This is our customer promise. Today it is called innovation, but it has always been a part of our heritage. And we are constantly challenging ourselves to improve the services, advice, tools and guidance we deliver. By doing so we aim to achieve our vision "to be recognised as the most trusted financial partner"
We are a veteran owned and operated, federally chartered bank with a focus on educating its customers about the mortgage process and providing opportunity for home ownership. As a bank, we control the entire lending process. We originate the loan, process it, underwrite it, create the closing documents and write the check for your closing.
We are Community Trust and Investment Company (CTIC), headquartered in Lexington, KY. Our President and CEO is Andy D. Waters. We are one of the largest independent trust companies in Kentucky with assets under management of over $2.1 billion and total assets of $2.4 billion. We are a subsidiary of Community Trust Bancorp Inc., which traces its roots back to 1903, its trust powers back to 1936, and its brokerage services back to 1998. Community Trust Bancorp, Inc. (CTBI) is an independent, Kentucky-based bank holding company and is headquartered in Pikeville, Kentucky. Community Trust owns a well-earned reputation for honesty and integrity. Clients have trusted our parent company with their financial affairs for over a century, and CTIC continues that tradition.
Nacha is a nonprofit organization that convenes hundreds of diverse organizations to enhance and enable electronic payments and financial data exchange within the U.S. and across geographies. Through development of rules, standards, governance, education, advocacy, and in support of innovation, Nacha`s efforts benefit the providers and users of those systems. Nacha governs the thriving ACH Network, the payment system that drives safe, smart, and fast Direct Deposits and Direct Payments with the capability to reach all U.S. bank and credit union accounts. More than 29 billion ACH Network payments were made in 2021, valued at close to $73 trillion. Through problem-solving and consensus-building among diverse payment industry stakeholders, Nacha advances innovation and interoperability in the payments system. Nacha develops rules and standards, provides industry solutions, and delivers education, accreditation, and advisory services.