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Jun 30, 2025
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}.
Revenue by Segment
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
Historical Earnings Impact
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Avg. Return Before/After Earnings
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