Revenue: As of FY2025 Q4, the actual value is USD 74.72 M.EPS: As of FY2025 Q4, the actual value is USD 1.51, beating the estimate of USD 1.425.EBIT: As of FY2025 Q4, the actual value is USD -22.76 M.<h4>Operational Metrics</h4><ul><li>Net Income<ul><li>Community Trust Bancorp, Inc. reported record net income of $27,276 thousand for the fourth quarter of 2025, compared to $22,493 thousand in the fourth quarter of 2024.</li><li>For the full year 2025, net income was a record $98,058 thousand, an increase of $15,200 thousand (or $0.83 per basic share) over the $82,813 thousand reported in 2024.</li></ul></li><li>Return on Average Assets<ul><li>Return on average assets was 1.63% for Q4 2025, up from 1.47% in Q4 2024.</li><li>For the full year 2025, return on average assets was 1.53%, compared to 1.41% in 2024.</li></ul></li><li>Return on Average Equity<ul><li>Return on average equity was 12.71% for Q4 2025, an increase from 11.77% in Q4 2024.</li><li>For the full year 2025, return on average equity was 12.07%, up from 11.31% in 2024.</li></ul></li><li>Efficiency Ratio<ul><li>The efficiency ratio for Q4 2025 was 48.70%, improving from 51.60% in Q4 2024.</li><li>For the full year 2025, the efficiency ratio was 50.48%, an improvement from 52.57% in 2024.</li></ul></li><li>Tangible Common Equity<ul><li>Tangible common equity was 11.94% at December 31, 2025, compared to 11.29% at December 31, 2024.</li></ul></li><li>Dividends Declared Per Share<ul><li>Dividends declared per share for Q4 2025 were $0.53, an increase from $0.47 in Q4 2024.</li><li>For the full year 2025, dividends declared per share totaled $2.00, up from $1.86 in 2024.</li></ul></li></ul><h4>Segment Revenue</h4><ul><li>Net Interest Income<ul><li>Net interest income for Q4 2025 was $58,117 thousand, an increase of $8,600 thousand or 17.3% compared to Q4 2024.</li><li>For the full year 2025, net interest income was $218,978 thousand, a $33,000 thousand or 17.7% increase from 2024.</li><li>The net interest margin (tax equivalent) for Q4 2025 was 3.67%, up from 3.43% in Q4 2024.</li><li>The net interest margin (tax equivalent) for the full year 2025 was 3.62%, compared to 3.36% in 2024.</li></ul></li><li>Noninterest Income<ul><li>Total noninterest income for Q4 2025 was $16,603 thousand, an increase of $400 thousand or 2.7% compared to Q4 2024.</li><li>For the full year 2025, total noninterest income was $63,617 thousand, a $1,100 thousand or 1.7% increase from 2024.</li><li>Key components of noninterest income for Q4 2025 included: deposit related fees of $7,537 thousand, trust revenue of $4,422 thousand, gains on sales of loans of $107 thousand, loan related fees of $932 thousand, securities gains of $194 thousand, and other noninterest income of $3,411 thousand.</li><li>For the full year 2025, trust revenue increased by $1,900 thousand, and net gains on the sale of fixed assets increased by $500 thousand, partially offset by decreases in loan related fees of $900 thousand, securities gains of $300 thousand, and bank owned life insurance revenue of $800 thousand.</li></ul></li></ul><h4>Operating Costs</h4><ul><li>Noninterest Expense<ul><li>Total noninterest expense for Q4 2025 was $36,452 thousand, an increase of $2,700 thousand or 7.9% compared to Q4 2024.</li><li>For the full year 2025, total noninterest expense was $143,067 thousand, an increase of $12,100 thousand or 9.3% from 2024.</li><li>Key components of noninterest expense for Q4 2025 included: personnel expense of $21,933 thousand, occupancy and equipment of $3,373 thousand, data processing expense of $2,877 thousand, FDIC insurance premiums of $745 thousand, and other noninterest expense of $7,524 thousand.</li><li>Year-over-year increases in expenses for 2025 included personnel ($6,100 thousand), data processing ($1,500 thousand), occupancy and equipment ($1,000 thousand), taxes other than property and payroll ($600 thousand), legal ($500 thousand), and contributions ($700 thousand).</li></ul></li></ul><h4>Unique Metrics</h4><ul><li>Loan Portfolio<ul><li>The loan portfolio at December 31, 2025, was $4,894,942 thousand, an increase of $408,300 thousand or 9.1% from the prior year.</li><li>Commercial loans totaled $2,493,275 thousand, residential loans were $1,393,618 thousand, and consumer loans were $1,008,049 thousand at year-end 2025.</li></ul></li><li>Deposits and Repurchase Agreements<ul><li>Deposits, including repurchase agreements, at December 31, 2025, were $5,697,857 thousand, an increase of $387,500 thousand or 7.3% from the prior year.</li><li>Total deposits were $5,389,058 thousand, with noninterest bearing deposits at $1,263,243 thousand and total interest bearing deposits at $4,125,815 thousand.</li></ul></li><li>Shareholders’ Equity<ul><li>Shareholders’ equity at December 31, 2025, was $856,072 thousand, an increase of $98,500 thousand or 13.0% from the prior year.</li><li>Net unrealized losses on securities, net of deferred taxes, were - $64,800 thousand at December 31, 2025, an improvement from - $98,400 thousand at December 31, 2024.</li></ul></li><li>Asset Quality<ul><li>Total nonperforming loans were $19,200 thousand at December 31, 2025, a decrease of $7,500 thousand from the prior year.</li><li>Nonaccrual loans decreased by $7,800 thousand to $8,539 thousand at December 31, 2025, compared to the prior year.</li><li>Net loan charge-offs for Q4 2025 were $1,755 thousand, compared to $979 thousand for Q4 2024.</li><li>Net charge-offs for the full year 2025 were $7,431 thousand, compared to $5,526 thousand for 2024.</li><li>The provision for credit losses for Q4 2025 was $2,908 thousand, an increase of $300 thousand from Q4 2024.</li><li>The reserve coverage (allowance for credit losses to nonperforming loans) at December 31, 2025, was 314.0%, up from 206.0% at December 31, 2024.</li><li>The loan loss reserve as a percentage of total loans outstanding remained at 1.23% at December 31, 2025.</li></ul></li></ul><h4>Outlook / Guidance</h4><ul><li>Community Trust Bancorp, Inc.’s actual results may differ materially from forward-looking statements due to various risks and uncertainties, including economic conditions, portfolio growth, credit performance, changes in general economic conditions, and regulatory policies.</li><li>The banking industry is subject to monetary, operational, and fiscal policies and regulations from bodies like the Federal Reserve Board and Federal Deposit Insurance Corporation, which could impact results.</li><li>The company does not undertake any obligation to update forward-looking statements.</li></ul>

Community Trust Bancorp | 8-K: FY2025 Q4 Revenue: USD 74.72 M