Community Trust Bancorp Q1 EPS $1.22; NIM expands to 3.57%, loans up 13.5% annualized

COMMUNITY TRUST BANCORP INC /KY/

2025-Q1 EPS reported $1.22

Net income $22.0M ($1.22 diluted EPS) vs. $1.04 YoY; revenue up $7.4M YoY.
Net interest margin 3.57% (+14bp QoQ, +34bp YoY) driven by lower funding costs.
Loan growth $149.9M (13.5% annualized) from Dec 2024; deposits up $47.5M.
Nonperforming loans $26.5M (up from $15.9M YoY); net charge-offs 0.14% annualized.
Dividend maintained at $0.47 per share; book value per share $43.32.

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