Community Trust Bancorp (CTBI) Q3 2026 earnings summary

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%.