CTBI Q3 net income $23.9M ($1.33), down 4% QoQ but up 8% YoY; NIM 3.60%

COMMUNITY TRUST BANCORP INC /KY/

2025-Q3 EPS reported $3.92

Net income $23.9M ($1.33 diluted) vs Q2 $24.9M ($1.38) and Q3 2024 $22.1M ($1.23).
Net interest income $55.6M (+2.8% QoQ, +17.7% YoY); NIM 3.60% (-4bp QoQ, +21bp YoY).
Provision for credit losses $3.9M, up $1.8M QoQ; net charge-offs $2.7M (0.23% annualized).
Loans $4.8B (+7.8% annualized from Q2); deposits $5.7B (+15.4% annualized); NPL $24.7M stable.
Noninterest expense $36.7M (+3% QoQ, +13% YoY); efficiency ratio 50.86%.

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