---
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"
generated_at: "2026-05-28T01:30:51.726634+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# CTBI Q4 net income $22.5M ($1.25 EPS) beats; NIM expands to 3.43%, lending grows 10.8% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/350852/000035085225000010/0000350852-25-000010-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/350852/000035085225000010/ctbi1224er8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000350852-25-000010
- JSON: https://secwatch.observer/filing/0000350852-25-000010.json
- Plain text: https://secwatch.observer/filing/0000350852-25-000010.txt

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