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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?
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Next Community Trust Bancorp earnings date
Q1 202617 Apr, 2026
Community Trust Bancorp
Next Community Trust Bancorp earnings date
Q1 202617 Apr, 2026
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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.
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