---
schema_version: "secwatch.filing_event.v1"
accession: "0000350852-25-000080"
form_type: "8-K"
ticker: "CTBI"
cik: "0000350852"
company_name: "COMMUNITY TRUST BANCORP INC /KY/"
filed_at: "2025-07-16T23:59:59+00:00"
generated_at: "2026-05-18T06:21:44.068842+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0000350852-25-000080
- form_type: 8-K
- ticker: CTBI
- cik: 0000350852
- company_name: COMMUNITY TRUST BANCORP INC /KY/
- filed_at: 2025-07-16T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/350852/000035085225000080/0000350852-25-000080-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/350852/000035085225000080/ctbi0625er8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000350852-25-000080
- JSON: https://secwatch.observer/filing/0000350852-25-000080.json
- Plain text: https://secwatch.observer/filing/0000350852-25-000080.txt

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