---
schema_version: "secwatch.filing_event.v1"
accession: "0000350852-24-000074"
form_type: "8-K"
ticker: "CTBI"
cik: "0000350852"
company_name: "COMMUNITY TRUST BANCORP INC /KY/"
filed_at: "2024-07-17T23:59:59+00:00"
generated_at: "2026-05-31T20:18:46.263016+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Community Trust Bancorp Q2 2024 EPS $1.09 flat YoY; loan growth 9.7% annualized, NPLs up

## Summary
- Net income $19.5M ($1.09 EPS) vs $18.7M ($1.04) Q1 2024 and $19.4M ($1.09) Q2 2023; essentially flat YoY.
- Net interest income $45.7M, up 4.8% QoQ and 6.0% YoY; NIM (tax-eq) improved to 3.38% (+15 bps QoQ).
- Loans grew $100.1M (annualized 9.7%) from March 31 to $4.26B; deposits decreased $57.6M (annualized -4.6%).
- Nonperforming loans rose to $19.8M from $15.9M Q1 and $11.7M a year ago; provision for credit losses $3.0M, up $0.3M QoQ.
- Dividend declared $0.46/share, unchanged QoQ but up from $0.44 YoY; annualized dividend yield 4.21%.

## SEC filing metadata
- accession: 0000350852-24-000074
- form_type: 8-K
- ticker: CTBI
- cik: 0000350852
- company_name: COMMUNITY TRUST BANCORP INC /KY/
- filed_at: 2024-07-17T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/350852/000035085224000074/0000350852-24-000074-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/350852/000035085224000074/ctbi0624er8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000350852-24-000074
- JSON: https://secwatch.observer/filing/0000350852-24-000074.json
- Plain text: https://secwatch.observer/filing/0000350852-24-000074.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.