---
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"
generated_at: "2026-05-16T09:22:44.725279+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000350852-26-000015
- JSON: https://secwatch.observer/filing/0000350852-26-000015.json
- Plain text: https://secwatch.observer/filing/0000350852-26-000015.txt

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