---
schema_version: "secwatch.filing_event.v1"
accession: "0000350852-26-000039"
form_type: "8-K"
ticker: "CTBI"
cik: "0000350852"
company_name: "COMMUNITY TRUST BANCORP INC /KY/"
filed_at: "2026-04-15T23:59:59+00:00"
generated_at: "2026-05-15T06:13:12.010212+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# CTBI Q1 2026 net income $27.2M (up 24% YoY); EPS $1.51; NIM expands to 3.79%

## Summary
- Net income $27.2M, EPS $1.51 diluted; up from $22.0M and $1.22 in Q1 2025.
- Net interest margin 3.79% (up 22 bps YoY); net interest income $58.8M, up 14.7% YoY.
- Provision for credit losses fell 36% YoY to $2.3M; net charge-offs 0.11% annualized.
- Loan portfolio $5.0B, up 7.6% YoY; deposits $5.7B, up 7.0% YoY.
- Nonperforming loans $20.7M, down 22% YoY; reserve coverage 295.8%.

## SEC filing metadata
- accession: 0000350852-26-000039
- form_type: 8-K
- ticker: CTBI
- cik: 0000350852
- company_name: COMMUNITY TRUST BANCORP INC /KY/
- filed_at: 2026-04-15T23:59:59+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/350852/000035085226000039/0000350852-26-000039-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/350852/000035085226000039/ctbi0326er8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000350852-26-000039
- JSON: https://secwatch.observer/filing/0000350852-26-000039.json
- Plain text: https://secwatch.observer/filing/0000350852-26-000039.txt

## Key facts
- Earnings Releases
  COMMUNITY TRUST BANCORP INC /KY/ reported 1Q 2026 results: net income $27,192, EPS $1.51.
  - Period: 1Q 2026
  - Net income: $27,192
  - EPS: $1.51
  - Result: reported results
  source text: Kentucky: COMMUNITY TRUST BANCORP, INC. REPORTS EARNINGS FOR THE 1 ST QUARTER 2026 Earnings Summary (in thousands except per share data) 1Q 2026 4Q 2025 1Q 2025 Net income $ 27,192 $ 27,276 $ 21,972 Earnings per share $ 1.51 $ 1.51 $ 1.22 Earnings per share – diluted $ 1.50 $ 1.51 $ 1.22 Return on average assets 1.65 % 1.63 % 1.44 % Return on average equity
  evidence_url: https://www.sec.gov/Archives/edgar/data/350852/000035085226000039/0000350852-26-000039-index.htm

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