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Sep 30, 2025
Community Trust Q3 2025 Earnings Report
Community Trust Bancorp reported lower sequential earnings in Q3 2025, with net income of $23.9 million and net interest income showing solid year-over-year growth.
Key Takeaways
CTBI delivered solid net interest income growth and maintained stable profitability despite a small decline in EPS from the previous quarter. Higher provisions for credit losses and noninterest expenses impacted bottom-line growth.
Net income was $23.9 million, slightly down from Q2 2025 but up from Q3 2024.
Net interest income rose to $55.6 million, showing 17.7% growth YoY.
Noninterest income reached $15.9 million, driven by higher deposit-related and trust revenue.
Loan portfolio and deposits both expanded QoQ and YoY, reflecting continued balance sheet growth.
Revenue by Segment
Forward Guidance
Community Trust did not issue formal quantitative forward guidance but discussed balance sheet strength and risk management as priorities.
Positive Outlook
- Strong loan growth across commercial and residential portfolios
- Stable and growing deposit base supports liquidity
- Net interest income growth driven by rising yields
- High reserve coverage for nonperforming loans (239.5%)
- Improving efficiency ratio reflecting cost discipline
Challenges Ahead
- EPS declined slightly QoQ due to higher provisions and expenses
- Noninterest income was slightly down QoQ
- Higher group medical and life insurance expenses increased personnel costs
- Decreased valuation of equity securities impacted income
Historical Earnings Impact
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Avg. Return Before/After Earnings
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