)
Visual
test
Community Trust Bancorp
Community Trust Bancorp (CTBI) investor relations material
Community Trust Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Achieved record net income of $27.3 million for Q4 2025, up from $23.9 million in Q3 2025 and $22.5 million in Q4 2024; full-year net income reached $98.1 million, up $15.2 million year-over-year.
Earnings per share for Q4 2025 were $1.51, compared to $1.33 in Q3 2025 and $1.25 in Q4 2024; full-year EPS was $5.44, up from $4.61 in 2024.
Financial highlights
Net interest income for Q4 2025 was $58.1 million, up 4.6% sequentially and 17.3% year-over-year; net interest margin rose 7 bps from Q3 and 24 bps from Q4 2024.
Noninterest income for Q4 2025 was $16.6 million, up 4.1% from Q3 and 2.7% from Q4 2024; full-year noninterest income was $63.6 million, up 1.7% year-over-year.
Noninterest expense for Q4 2025 was $36.5 million, down 0.8% from Q3 but up 7.9% from Q4 2024; full-year noninterest expense was $143.1 million, up 9.3% year-over-year.
Loans outstanding at $4.9 billion, up $101.0 million (annualized 8.4%) from Q3 and $408.3 million (9.1%) from Q4 2024.
Deposits, including repurchase agreements, at $5.7 billion, up $27.5 million (annualized 1.9%) from Q3 and $387.5 million (7.3%) from Q4 2024.
Shareholders' equity at $856.1 million, up $24.7 million (annualized 11.8%) from Q3 and $98.5 million (13.0%) from Q4 2024.
Outlook and guidance
Forward-looking statements highlight risks from economic conditions, credit performance, regulatory changes, and competitive pressures.
Clarify cost of funds vs. rates paid on liabilities
Why are early-stage delinquencies rising?
Is noninterest income growth sustainable?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- STC
Scalable, high-margin IT communications provider for SMBs with strong recurring revenue and growth momentum. - APAM
AUM hit $180B, strong returns and Grandview deal drove growth despite equity outflows. - GM
Disciplined transformation, resilient supply chains, and strategic EV focus drive robust results. - BTBT
Transitioned to a strategic asset model with major stakes in Ethereum and AI infrastructure. - PSX
Q4 2025 earnings hit $2.9B, with record refining yields and strong portfolio transformation. - ARCC
FY 2025 delivered $2.01 Core EPS, $1.86 net income/share, and a $0.48 Q1 2026 dividend. - HMN
Record core earnings, 12.4% ROE, and 10% EPS growth guidance for 2026. - AFG
Record underwriting profit, strong ROE, and over $700M returned to shareholders in 2025. - OXBR
Tokenized reinsurance contracts on Solana open Florida's market to global investors. - PNDORA
2025 organic growth reached 6%, with EBIT margin at 23.9% and cautious 2026 outlook.
Next Community Trust Bancorp earnings date
Q1 202617 Apr, 2026
Community Trust Bancorp
Next Community Trust Bancorp earnings date
Q1 202617 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Community Trust Bancorp Inc. is a bank holding company primarily engaged in providing a range of financial services to individual and commercial clients. Operating through its subsidiary, Community Trust Bank, the company offers various deposit products, including savings, checking, and money market accounts. It also provides lending services, such as residential, commercial, and consumer loans. In addition to traditional banking, CTBI offers wealth management services, including trust and brokerage services. The company serves customers across multiple sectors, with a focus on community banking. The company is headquartered in Pikeville, Kentucky, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage