---
schema_version: "secwatch.filing_event.v1"
accession: "0000350852-26-000061"
form_type: "8-K"
ticker: "CTBI"
cik: "0000350852"
company_name: "COMMUNITY TRUST BANCORP INC /KY/"
filed_at: "2026-07-15T12:19:57+00:00"
generated_at: "2026-07-15T12:25:03.919430+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Community Trust Bancorp reports record Q2 net income of $29.6M, EPS $1.64

## Summary
- Net income $29.6M ($1.64 basic EPS) vs $24.9M ($1.38) in Q2 2025; YTD net income $56.8M ($3.15) vs $46.9M ($2.60).
- Net interest income $60.9M, up 12.7% YoY; net interest margin 3.80%, up 16 bps from Q2 2025.
- Loans grew $134.1M (10.8% annualized) in Q2 to $5.1B; deposits +$221.9M (15.5% annualized) to $6.0B.
- Nonperforming loans rose $9.0M to $29.7M; net charge-offs remained low at 0.07% of avg loans.
- Dividend declared $0.53 per share, unchanged from prior quarter; book value per share $49.10.

## SEC filing metadata
- accession: 0000350852-26-000061
- form_type: 8-K
- ticker: CTBI
- cik: 0000350852
- company_name: COMMUNITY TRUST BANCORP INC /KY/
- filed_at: 2026-07-15T12:19:57+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/350852/000035085226000061/0000350852-26-000061-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/350852/000035085226000061/ctbi-20260715.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000350852-26-000061
- JSON: https://secwatch.observer/filing/0000350852-26-000061.json
- Plain text: https://secwatch.observer/filing/0000350852-26-000061.txt

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