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Jun 30
Winmark 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. Total deposits rose to $5.5 billion and asset quality remained stable.
Net income reached $24.9 million with EPS at $1.38:contentReference[oaicite:0]{index=0}.
Net interest income increased to $54.0 million, with net interest margin improving to 3.64%:contentReference[oaicite:1]{index=1}.
Total loans grew to $4.7 billion and deposits rose to $5.5 billion:contentReference[oaicite:2]{index=2}.
Nonperforming loans stood at $24.4 million, with stable credit quality indicators:contentReference[oaicite:3]{index=3}.
Winmark
Winmark
Winmark Revenue by Segment
Revenue by Segment
Deposit 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 expected to remain strong across commercial and residential segments
- Stable credit quality maintained with strong reserve coverage
- Net interest margin anticipated to hold or improve slightly
- Deposit base continues to expand with diversified customer relationships
- Equity base strengthened, supporting future growth
Challenges Ahead
- Noninterest expenses may remain elevated due to higher personnel and technology costs
- Competitive deposit pricing could increase funding costs
- Economic uncertainty may pressure loan demand
- Potential volatility in investment portfolio affecting earnings
- Provision for credit losses could rise with loan growth