Community Trust Bancorp (CTBI) Q4 2025 earnings summary

Executive summary

• Achieved record net income of $27.3 million for Q4 2025, up from $23.9 million in Q3 2025 and $22.5 million in Q4 2024; full-year net income reached $98.1 million, up $15.2 million year-over-year.

• Earnings per share for Q4 2025 were $1.51, compared to $1.33 in Q3 2025 and $1.25 in Q4 2024; full-year EPS was $5.44, up from $4.61 in 2024.

Financial highlights

• Net interest income for Q4 2025 was $58.1 million, up 4.6% sequentially and 17.3% year-over-year; net interest margin rose 7 bps from Q3 and 24 bps from Q4 2024.

• Noninterest income for Q4 2025 was $16.6 million, up 4.1% from Q3 and 2.7% from Q4 2024; full-year noninterest income was $63.6 million, up 1.7% year-over-year.

• Noninterest expense for Q4 2025 was $36.5 million, down 0.8% from Q3 but up 7.9% from Q4 2024; full-year noninterest expense was $143.1 million, up 9.3% year-over-year.

• Loans outstanding at $4.9 billion, up $101.0 million (annualized 8.4%) from Q3 and $408.3 million (9.1%) from Q4 2024.

• Deposits, including repurchase agreements, at $5.7 billion, up $27.5 million (annualized 1.9%) from Q3 and $387.5 million (7.3%) from Q4 2024.

• Shareholders' equity at $856.1 million, up $24.7 million (annualized 11.8%) from Q3 and $98.5 million (13.0%) from Q4 2024.

Outlook and guidance

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