---
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"
generated_at: "2026-05-17T03:48:30.337500+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000350852-25-000092
- JSON: https://secwatch.observer/filing/0000350852-25-000092.json
- Plain text: https://secwatch.observer/filing/0000350852-25-000092.txt

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