Community Trust Bancorp (CTBI) Q1 2026 earnings summary

Executive summary

• Net income for Q1 2026 was $27.2 million, up 23.7% year-over-year and flat sequentially from Q4 2025.

• Diluted EPS was $1.50, up from $1.22 in Q1 2025 and unchanged from Q4 2025.

• Return on average assets rose to 1.65% from 1.44% year-over-year.

Financial highlights

• Net interest income increased 14.7% year-over-year to $58.8 million, up 1.1% sequentially.

• Noninterest income was $15.4 million, up 3.5% year-over-year but down 7.2% sequentially.

• Noninterest expense rose 6.8% year-over-year to $36.5 million, nearly flat sequentially.

• Provision for credit losses was $2.3 million, down $1.3 million year-over-year and $0.6 million sequentially.

• Total assets reached $6.7 billion, up 7.4% year-over-year.

Outlook and guidance

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