{"schema_version":"secwatch.filing_event.v1","accession":"0000350852-25-000092","form_type":"8-K","ticker":"CTBI","cik":"0000350852","company_name":"COMMUNITY TRUST BANCORP INC /KY/","filed_at":"2025-10-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.731883+00:00","generated_at":"2026-05-17T03:48:30.337500+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"CTBI Q3 net income $23.9M ($1.33), down 4% QoQ but up 8% YoY; NIM 3.60%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000350852-25-000092","json":"https://secwatch.observer/filing/0000350852-25-000092.json","markdown":"https://secwatch.observer/filing/0000350852-25-000092.md","text":"https://secwatch.observer/filing/0000350852-25-000092.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/350852/000035085225000092/0000350852-25-000092-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/350852/000035085225000092/ctbi0925earnings8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:48:30.337500+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}