---
schema_version: "secwatch.filing_event.v1"
accession: "0000350852-25-000050"
form_type: "8-K"
ticker: "CTBI"
cik: "0000350852"
company_name: "COMMUNITY TRUST BANCORP INC /KY/"
filed_at: "2025-04-16T23:59:59+00:00"
generated_at: "2026-05-23T14:00:08.813243+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000350852-25-000050
- form_type: 8-K
- ticker: CTBI
- cik: 0000350852
- company_name: COMMUNITY TRUST BANCORP INC /KY/
- filed_at: 2025-04-16T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/350852/000035085225000050/0000350852-25-000050-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/350852/000035085225000050/er8k0325.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000350852-25-000050
- JSON: https://secwatch.observer/filing/0000350852-25-000050.json
- Plain text: https://secwatch.observer/filing/0000350852-25-000050.txt

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