{"schema_version":"secwatch.filing_event.v1","accession":"0000350852-26-000015","form_type":"8-K","ticker":"CTBI","cik":"0000350852","company_name":"COMMUNITY TRUST BANCORP INC /KY/","filed_at":"2026-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.371087+00:00","generated_at":"2026-05-16T09:22:44.725279+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"CTBI reports record Q4 2025 net income of $27.3M, EPS $1.51, up 21% YoY","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000350852-26-000015","json":"https://secwatch.observer/filing/0000350852-26-000015.json","markdown":"https://secwatch.observer/filing/0000350852-26-000015.md","text":"https://secwatch.observer/filing/0000350852-26-000015.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/350852/000035085226000015/0000350852-26-000015-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/350852/000035085226000015/ctbi1225er8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:22:44.725279+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"}