)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
Community Trust Bancorp (CTBI) investor relations material
Community Trust Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary15 Oct, 2025
Executive summary
Net income for Q3 2025 was $23.9 million ($1.33 per share), up from $22.1 million ($1.23 per share) in Q3 2024, but down from $24.9 million ($1.38 per share) in Q2 2025.
Year-to-date net income reached $70.8 million, up $10.5 million from the prior year.
Total revenue for Q3 2025 increased $8.7 million year-over-year and $1.3 million sequentially.
Shareholders' equity rose to $831.4 million, an increase of $24.5 million for the quarter and $73.8 million from year-end.
Earnings per share were $1.33 basic and $1.32 diluted, compared to $1.38 and $1.38 in Q2 2025, and $1.23 and $1.23 in Q3 2024.
Financial highlights
Net interest income for Q3 2025 was $55.6 million, up $8.4 million (17.7%) year-over-year and $1.5 million (2.8%) sequentially.
Noninterest income for Q3 2025 was $15.9 million, up $0.4 million (2.5%) year-over-year but down $0.2 million (1.4%) sequentially.
Noninterest expense for Q3 2025 was $36.7 million, up $4.2 million (13.0%) year-over-year and $1.1 million (3.0%) sequentially.
Provision for credit losses was $3.9 million, up $1.1 million year-over-year and $1.8 million sequentially.
Total assets reached $6.6 billion, up 15.3% annualized from Q2 2025 and 11.3% from Q3 2024.
Outlook and guidance
Management continues to focus on consistent net interest income growth and prudent credit risk management.
The company is monitoring the impact of the One Big Beautiful Bill Act (OBBBA) and assessing its implications for operations and risk management.
No material adverse regulatory recommendations or changes in internal controls were reported.
Forward-looking statements highlight risks from economic conditions, credit performance, regulatory changes, and competitive pressures.
Impact of single commercial credit charge-off
Drivers of net interest margin compression QoQ
Noninterest income volatility drivers
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Community Trust Bancorp earnings date
Q4 202516 Jan, 2026
Next Community Trust Bancorp earnings date
Q4 202516 Jan, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage