---
title: "CTBI Q4 Net Income Rises 21 percent to USD 27.3 Million"
type: "News"
locale: "zh-CN"
url: "https://longbridge.com/zh-CN/news/273235442.md"
description: "Community Trust Bancorp Inc. reported a 21% increase in Q4 2025 net income to USD 27.3 million, with earnings per share at USD 1.51. For the full year, net income reached USD 98.1 million, and the efficiency ratio improved to 48.70%. Key figures include a return on average assets of 1.63% for Q4 and dividends declared per share of USD 0.53. Noninterest income for Q4 included USD 7.5 million in deposit fees and USD 4.4 million in trust revenue, which rose by 12% year-over-year."
datetime: "2026-01-21T13:15:29.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/273235442.md)
  - [en](https://longbridge.com/en/news/273235442.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/273235442.md)
---

> 支持的语言: [English](https://longbridge.com/en/news/273235442.md) | [繁體中文](https://longbridge.com/zh-HK/news/273235442.md)


# CTBI Q4 Net Income Rises 21 percent to USD 27.3 Million

Community Trust Bancorp Inc. reported record earnings for the fourth quarter (Q4) and full year (FY) 2025. Net income for Q4 2025 was USD 27.3 million, with earnings per share at USD 1.51 and diluted earnings per share also at USD 1.51. For the full year 2025, net income reached USD 98.1 million, with earnings per share at USD 5.44 and diluted earnings per share at USD 5.43. Return on average assets for Q4 2025 stood at 1.63%, while return on average equity was 12.71%. For the full year 2025, return on average assets was 1.53% and return on average equity was 12.07%. The efficiency ratio for Q4 2025 improved significantly to 48.70%. Tangible common equity at the end of Q4 2025 was 11.94%. Book value per share as of Q4 2025 was USD 47.26. Dividends declared per share for Q4 2025 were USD 0.53, and for the full year 2025 totaled USD 2.00. In terms of noninterest income for Q4 2025, deposit related fees amounted to USD 7.5 million, trust revenue reached USD 4.4 million, and loan related fees were USD 0.9 million. Trust revenue for Q4 2025 increased by 12% compared to the same period in the previous year. Bank owned life insurance revenue for Q4 2025 was USD 1.2 million. For the full year 2025, deposit related fees totaled USD 29.8 million and trust revenue was USD 16.8 million, with the latter increasing by 12% from the previous year. Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Community Trust Bancorp Inc. published the original content used to generate this news brief via Business Wire (Ref. ID: 20260121147737) on January 21, 2026, and is solely responsible for the information contained therein. © Copyright 2026 - Public Technologies (PUBT)

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