secwatch.observer — SEC 8-K summary
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Issuer:     COMMUNITY TRUST BANCORP INC /KY/ (CTBI)
CIK:        0000350852
Form:       8-K
Filed at:   2025-10-15T23:59:59+00:00
Accession:  0000350852-25-000092
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/350852/000035085225000092/0000350852-25-000092-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/350852/000035085225000092/ctbi0925earnings8k.htm
  HTML page:      https://secwatch.observer/filing/0000350852-25-000092

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer