- Community Trust Bancorp, Inc. reported **net income of $23.9 million** and **basic earnings per share of $1.33** for the third quarter of 2025, compared to $24.9 million and $1.38, respectively, in Q2 2025, and $22.1 million and $1.23 in Q3 2024.  **[350852_0000350852-25-000092_ctbi0925earnings8kex99.htm:0]** 
- **Net interest income increased by 2.8%** to **$55.6 million** compared to the prior quarter, and **noninterest income decreased by 1.4%** to **$15.9 million** in Q3 2025.  **[350852_0000350852-25-000092_ctbi0925earnings8kex99.htm:0]** 
- **Noninterest expense rose by 3.0%** to **$36.7 million**, and the **provision for credit losses increased by $1.8 million** to **$3.9 million** from the prior quarter.  **[350852_0000350852-25-000092_ctbi0925earnings8kex99.htm:0]** 
- The **loan portfolio grew to $4.8 billion**, an increase of **$92.1 million** (annualized 7.8%) from June 30, 2025, while **deposits, including repurchase agreements, reached $5.7 billion**, up **$212.2 million** (annualized 15.4%) from the prior quarter.  **[350852_0000350852-25-000092_ctbi0925earnings8kex99.htm:0]** **[350852_0000350852-25-000092_ctbi0925earnings8kex99.htm:3]** 
- **Shareholders' equity increased to $831.4 million**, up **$24.5 million** (annualized 12.0%) during the quarter. The company declared **dividends of $0.53 per share** for Q3 2025.  **[350852_0000350852-25-000092_ctbi0925earnings8kex99.htm:0]** **[350852_0000350852-25-000092_ctbi0925earnings8kex99.htm:3]**

Community Trust Bancorp, Inc. Reports Q3 2025 Earnings

- Community Trust Bancorp, Inc. reported **net income** of **$23.9 million**, or **$1.33 per basic share**, for the **third quarter 2025**.  **[350852_8ebc13b38ce446599b928f7853d5f35f_0]** 
- **Total revenue** for the quarter was **$1.3 million above prior quarter** and **$8.7 million above prior year same quarter**.  **[350852_8ebc13b38ce446599b928f7853d5f35f_0]** 
- The **loan portfolio** increased to **$4.8 billion**, up **$92.1 million** (annualized **7.8%**) from June 30, 2025.  **[350852_8ebc13b38ce446599b928f7853d5f35f_0]** **[350852_8ebc13b38ce446599b928f7853d5f35f_1]** **[350852_8ebc13b38ce446599b928f7853d5f35f_5]** 
- **Deposits** grew to **$5.7 billion**, an increase of **$212.2 million** (annualized **15.4%**) from June 30, 2025.  **[350852_8ebc13b38ce446599b928f7853d5f35f_1]** **[350852_8ebc13b38ce446599b928f7853d5f35f_5]** 
- Key profitability metrics included a **Return on average assets** of **1.46%** and a **Return on average equity** of **11.53%** for the quarter.  **[350852_8ebc13b38ce446599b928f7853d5f35f_0]**

Community Trust Bancorp Reports Q3 2025 Earnings

- Community Trust Bancorp, Inc. (CTBI) reported strong financial results for the six months ended **June 30, 2025**, with **Earnings Per Share (EPS)** up **22.1%** and **Net Income** up **22.8%** year-over-year.  **[350852_0000350852-25-000088_ctbi0925invpres8kex99.htm:1]** 
- As of **June 30, 2025**, **Total Assets** reached **$6.4 billion**, reflecting an annualized **6.4%** increase from December 31, 2024, driven by annualized loan growth of **9.7%** and deposit growth of **5.6%**.  **[350852_0000350852-25-000088_ctbi0925invpres8kex99.htm:0]** **[350852_0000350852-25-000088_ctbi0925invpres8kex99.htm:1]** 
- CTBI is positioned as the **3rd largest Kentucky domiciled bank holding company** and the **7th largest bank in Kentucky** by deposit market share, with a **Tangible Common Equity Ratio** of **11.72%** and a **Cash Dividend Yield** of **3.55%** as of **June 30, 2025**.  **[350852_0000350852-25-000088_ctbi0925invpres8kex99.htm:0]** 
- The company has a history of **45 consecutive years of cash dividend increases** and announced a quarterly cash dividend increase to **$0.53 per share** effective **October 1, 2025**, a **12.8%** rise.  **[350852_0000350852-25-000088_ctbi0925invpres8kex99.htm:2]**

COMMUNITY TRUST BANCORP INC /KY/ (CTBI)