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Dec 31, 2025
Community Trust Q4 2025 Earnings Report
Community Trust Bancorp posted record net income in Q4 2025, driven by higher net interest income and improved asset quality.
Key Takeaways
Community Trust Bancorp reported strong Q4 2025 results, with net income rising to $27.3 million and earnings per share reaching $1.51. Net interest income increased significantly year-over-year, while noninterest income also improved modestly. Loan and deposit growth remained steady.
Net income rose to $27.3 million in Q4 2025, up from $22.5 million a year ago
EPS reached $1.51, marking a strong improvement from $1.25 in Q4 2024
Net interest income grew to $58.1 million, a 17.3% YoY increase
Total deposits reached $5.7 billion, reflecting 7.3% YoY growth
Revenue by Segment
Forward Guidance
CTBI anticipates continued growth in loan balances and net interest income, but notes potential headwinds from interest rate sensitivity and expense pressures.
Positive Outlook
- Strong loan growth expected to continue
- Net interest margin expansion supports earnings growth
- Solid capital position and equity growth
- Deposit growth remains steady
- Asset quality remains strong with low charge-offs
Challenges Ahead
- Deposit costs may pressure net interest margin if rates rise
- Continued contribution expenses expected from branch consolidation
- Potential volatility in loan-related and securities gains
- Technology and regulatory compliance could increase noninterest expenses
Historical Earnings Impact
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Avg. Return Before/After Earnings
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