CTBI reports record Q4 2025 net income of $27.3M, EPS $1.51, up 21% YoY

COMMUNITY TRUST BANCORP INC /KY/

2025-FY EPS reported $5.43

Record quarterly net income of $27.3M ($1.51 diluted EPS) vs $22.5M ($1.25) in Q4 2024, a 21% increase.
Full-year 2025 net income of $98.1M, or $5.44 per diluted share, up from $82.8M ($4.61) in 2024, also a record.
Net interest margin improved to 3.67% for Q4 2025, up 7 bps from Q3 and 24 bps from Q4 2024.
Nonperforming loans fell to $19.2M from $24.7M in Q3; net charge-offs were 0.14% of avg loans vs 0.09% a year ago.
Loan portfolio grew 9.1% YoY to $4.9B; deposits up 7.3% to $5.7B. Dividend declared $0.53 per share.

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