Community Trust Bancorp posts record Q2 net income of $24.9M, EPS $1.38; NIM expands 26bps YoY

COMMUNITY TRUST BANCORP INC /KY/

2025-Q2 EPS reported $2.60

Net income $24.9M ($1.38 EPS) vs $22.0M ($1.22) in Q1 2025 and $19.5M ($1.09) in Q2 2024.
Net interest margin (TEQ) 3.64%, up 7bps QoQ and 26bps YoY; net interest income $54.0M +18.3% YoY.
Loans grew 10.3% YoY to $4.70B; deposits (incl. repurchase agreements) up 10.0% to $5.46B.
Provision for credit losses fell to $2.1M from $3.6M in Q1; net charge-offs 0.12% annualized.
Dividend declared $0.47 per share (unchanged QoQ); annualized yield 3.55%.

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