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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Community Trust Bancorp
Community Trust Bancorp (CTBI) investor relations material
Community Trust Bancorp Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary21 Oct, 2026
Executive summary
Q3 2026 net income was $25.9M, or $1.43 basic EPS, versus $23.9M and $1.33 in Q3 2025; income was $29.6M and $1.64 in Q2 2026.
Nine-month net income rose 16.8% YoY to $82.7M from $70.8M; basic EPS increased to $4.58 from $3.93.
Total assets were $7.1B at Sept. 30, up $423.4M, or 6.4%, YoY; total loans rose 10.6% YoY to $5.3B.
Financial highlights
Q3 net interest income was $61.1M, up 0.3% QoQ and 9.9% YoY; nine-month NII increased 12.3% to $180.7M.
Q3 noninterest income rose 6.0% QoQ and 16.9% YoY to $18.6M; nine-month income increased 9.9% to $51.7M.
Q3 provision for credit losses was $9.2M, up $6.4M QoQ and $5.3M YoY; nine-month provision increased to $14.3M from $9.5M.
Q3 noninterest expense fell 2.4% QoQ and 0.7% YoY to $36.5M; nine-month expense rose 3.5% to $110.4M.
Income before taxes was $34.1M versus $30.9M in Q3 2025.
Outlook and guidance
Rate simulation estimated NII would rise 4.16% over one year and 7.70% over two years after a 200-bp rate increase; a 200-bp decrease implied declines of 3.14% and 5.06%.
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Next Community Trust Bancorp earnings date
Q4 202615 Jan, 2027
Community Trust Bancorp
Next Community Trust Bancorp earnings date
Q4 202615 Jan, 2027
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Frequently asked questions
Community Trust Bancorp Inc. is a bank holding company primarily engaged in providing a range of financial services to individual and commercial clients. Operating through its subsidiary, Community Trust Bank, the company offers various deposit products, including savings, checking, and money market accounts. It also provides lending services, such as residential, commercial, and consumer loans. In addition to traditional banking, CTBI offers wealth management services, including trust and brokerage services. The company serves customers across multiple sectors, with a focus on community banking. The company is headquartered in Pikeville, Kentucky, and its shares are listed on the NASDAQ.