secwatch.observer — SEC 8-K summary
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Issuer:     COMMUNITY TRUST BANCORP INC /KY/ (CTBI)
CIK:        0000350852
Form:       8-K
Filed at:   2026-01-21T23:59:59+00:00
Accession:  0000350852-26-000015
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/350852/000035085226000015/0000350852-26-000015-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/350852/000035085226000015/ctbi1225er8k.htm
  HTML page:      https://secwatch.observer/filing/0000350852-26-000015

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