Community Trust Bancorp, Inc. has reported record earnings for the 4th quarter and year 2025, with net income reaching $27.3 million, or $1.51 per basic share, in the 4th quarter of 2025. This represents an increase from the $23.9 million, or $1.33 per basic share, earned in the 3rd quarter of 2025 and $22.5 million, or $1.25 per basic share, earned in the 4th quarter of 2024.
The company's total revenue for the quarter was $3.2 million above the prior quarter and $9.0 million above the prior year's same quarter. Net interest revenue for the quarter increased by $2.6 million compared to the prior quarter and $8.6 million compared to the prior year's same quarter. Noninterest income also saw an increase of $0.7 million compared to the prior quarter and $0.4 million compared to the prior year's same quarter.
Additionally, the provision for credit losses for the quarter decreased by $1.0 million from the prior quarter but increased by $0.3 million from the prior year's same quarter. Noninterest expense decreased by $0.3 million compared to the prior quarter but increased by $2.7 million compared to the prior year's same quarter.
For the full year 2025, the company reported a record $98.1 million in earnings, marking a $15.2 million increase from the prior year.
In terms of the balance sheet, the loan portfolio increased to $4.9 billion, representing a $101.0 million increase from the prior quarter and a $408.3 million increase from the prior year. Deposits, including repurchase agreements, reached $5.7 billion, reflecting a $27.5 million increase from the prior quarter and a $387.5 million increase from the prior year.
The shareholders' equity also showed substantial growth, reaching $856.1 million, which is a $24.7 million increase from the prior quarter and a $98.5 million increase from the prior year.
Following these announcements, the company's shares moved -0.4%, and are now trading at a price of $59.61. For more information, read the company's full 8-K submission here.
