secwatch.observer — SEC 8-K summary
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Issuer:     COMMUNITY TRUST BANCORP INC /KY/ (CTBI)
CIK:        0000350852
Form:       8-K
Filed at:   2025-07-16T23:59:59+00:00
Accession:  0000350852-25-000080
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/350852/000035085225000080/0000350852-25-000080-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/350852/000035085225000080/ctbi0625er8k.htm
  HTML page:      https://secwatch.observer/filing/0000350852-25-000080

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