Community Trust Bancorp Reports Q3 2025 Earnings

Community Trust Bancorp ( (CTBI) ) has released its Q3 earnings. Here is a breakdown of the information Community Trust Bancorp presented to its investors.

Community Trust Bancorp, Inc. is a financial institution headquartered in Pikeville, Kentucky, operating primarily in the banking sector with a presence across Kentucky, West Virginia, and Tennessee. The company offers a range of banking services, including loans, deposits, and trust services.

In its latest earnings report for the third quarter of 2025, Community Trust Bancorp reported a net income of $23.9 million, slightly down from the previous quarter but an improvement over the same period last year. The company’s earnings per share stood at $1.33, with total revenue increasing by $1.3 million from the prior quarter and $8.7 million from the previous year.

Key financial highlights include a net interest income of $55.6 million, marking a 2.8% increase from the previous quarter and a 17.7% rise from the same quarter last year. The loan portfolio grew by $92.1 million from the previous quarter and by $443.4 million year-over-year. However, the provision for credit losses increased to $3.9 million, reflecting a rise in net loan charge-offs.

The company’s noninterest income slightly decreased from the previous quarter but showed a year-over-year increase. Noninterest expenses rose by 3.0% from the prior quarter and 13.0% from the previous year, driven by higher personnel and data processing costs.

Looking ahead, Community Trust Bancorp remains focused on managing its loan portfolio and maintaining asset quality, while navigating the challenges posed by economic conditions and regulatory changes. The company continues to prioritize growth in its core banking operations and enhancing shareholder value.