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Jun 30
Community Trust Q2 2025 Earnings Report
Community Trust Bancorp posted record Q2 2025 earnings driven by strong net interest income and loan growth.
Key Takeaways
Community Trust Bancorp reported net income of $24.9 million with EPS of $1.38, supported by higher net interest income and loan growth. Deposits and shareholders' equity increased, while credit quality remained stable. Noninterest income and expenses rose compared to last year.
Net income reached $24.9 million, with EPS at $1.38.
Net interest income rose to $54.0 million, with net interest margin improving to 3.64%.
Total loans increased to $4.7 billion and deposits to $5.5 billion.
Nonperforming loans remained low at $24.4 million, while provision for credit losses was $2.1 million.
Community Trust
Community Trust
Community Trust Revenue by Segment
Revenue by Segment
Net interest income Revenue
CapyFin.comNoninterest income Revenue
CapyFin.comDeposit related fees Revenue
CapyFin.comTrust Revenue
CapyFin.comLoan related fees Revenue
CapyFin.com Forward Guidance
Management expects continued loan and deposit growth, stable credit quality, and sustained profitability, supported by an improving net interest margin.
Positive Outlook
- Loan growth momentum continues across commercial and residential segments
- Deposits expected to grow with strong customer relationships
- Net interest margin remains stable with potential for further improvement
- Shareholders’ equity increased, reflecting solid capital position
- Noninterest income growth expected from trust and deposit-related fees
Challenges Ahead
- Noninterest expenses remain elevated due to higher personnel and data processing costs
- Provision for credit losses may rise with loan growth
- Potential pressure on noninterest income from bank-owned life insurance revenue
- Market volatility could affect investment securities portfolio
- Competitive deposit pricing may increase funding costs