{"schema_version":"secwatch.filing_event.v1","accession":"0000350852-25-000010","form_type":"8-K","ticker":"CTBI","cik":"0000350852","company_name":"COMMUNITY TRUST BANCORP INC /KY/","filed_at":"2025-01-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.976602+00:00","generated_at":"2026-05-28T01:30:51.726634+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"CTBI Q4 net income $22.5M ($1.25 EPS) beats; NIM expands to 3.43%, lending grows 10.8% YoY","bullets":["Q4 net income $22.5M vs $18.7M a year ago; diluted EPS $1.25 vs $1.04; full-year EPS $4.61 vs $4.36.","Net interest income $49.5M (+15.2% YoY); NIM 3.43% (+24 bps YoY) driven by lower cost of funds.","Loans $4.5B grew 10.8% YoY; deposits $5.3B up 7.3%; total assets $6.2B.","Nonperforming loans $26.7M (up from $14.0M a year ago); net charge-offs 0.09% annualized.","Dividend increased to $0.47/share quarterly ($1.86 annual, +3.3% YoY); book value $41.95."],"urls":{"canonical":"https://secwatch.observer/filing/0000350852-25-000010","json":"https://secwatch.observer/filing/0000350852-25-000010.json","markdown":"https://secwatch.observer/filing/0000350852-25-000010.md","text":"https://secwatch.observer/filing/0000350852-25-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/350852/000035085225000010/0000350852-25-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/350852/000035085225000010/ctbi1224er8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-28T01:30:51.726634+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}