Community Trust Bancorp (CTBI) investor relations material

Executive summary

• Achieved record net income of $29.6 million for Q2 2026, up from $27.2 million in Q1 2026 and $24.9 million in Q2 2025.

• Earnings per share rose to $1.64, compared to $1.51 in the prior quarter and $1.38 year-over-year.

• Total revenue increased $4.3 million sequentially and $8.3 million year-over-year.

• Six-month net income reached $56.8 million, up from $46.9 million for the same period last year.

Financial highlights

• Net interest income for Q2 2026 was $60.9 million, up 3.6% from Q1 and 12.7% year-over-year.

• Noninterest income was $17.6 million, up 14.2% sequentially and 8.8% year-over-year.

• Noninterest expense rose to $37.4 million, up 2.3% from Q1 and 4.8% from Q2 2025.

• Provision for credit losses increased to $2.8 million, up $0.5 million from Q1 and $0.7 million year-over-year.

• Net loan charge-offs were $0.9 million, an annualized 0.07% of average loans, down from $1.3 million in Q1 and $1.4 million in Q2 2025.

Outlook and guidance

• Forward-looking statements highlight risks from economic conditions, credit performance, regulatory changes, and competitive pressures.