---
title: "Community Trust Bancorp | 8-K: FY2025 Q4 Revenue: USD 74.72 M"
type: "News"
locale: "zh-CN"
url: "https://longbridge.com/zh-CN/news/273236275.md"
datetime: "2026-01-21T13:25:10.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/273236275.md)
  - [en](https://longbridge.com/en/news/273236275.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/273236275.md)
---

> 支持的语言: [English](https://longbridge.com/en/news/273236275.md) | [繁體中文](https://longbridge.com/zh-HK/news/273236275.md)


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

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.

#### Operational Metrics

-   **Net Income**
    -   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.
    -   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.
-   **Return on Average Assets**
    -   Return on average assets was 1.63% for Q4 2025, up from 1.47% in Q4 2024.
    -   For the full year 2025, return on average assets was 1.53%, compared to 1.41% in 2024.
-   **Return on Average Equity**
    -   Return on average equity was 12.71% for Q4 2025, an increase from 11.77% in Q4 2024.
    -   For the full year 2025, return on average equity was 12.07%, up from 11.31% in 2024.
-   **Efficiency Ratio**
    -   The efficiency ratio for Q4 2025 was 48.70%, improving from 51.60% in Q4 2024.
    -   For the full year 2025, the efficiency ratio was 50.48%, an improvement from 52.57% in 2024.
-   **Tangible Common Equity**
    -   Tangible common equity was 11.94% at December 31, 2025, compared to 11.29% at December 31, 2024.
-   **Dividends Declared Per Share**
    -   Dividends declared per share for Q4 2025 were $0.53, an increase from $0.47 in Q4 2024.
    -   For the full year 2025, dividends declared per share totaled $2.00, up from $1.86 in 2024.

#### Segment Revenue

-   **Net Interest Income**
    -   Net interest income for Q4 2025 was $58,117 thousand, an increase of $8,600 thousand or 17.3% compared to Q4 2024.
    -   For the full year 2025, net interest income was $218,978 thousand, a $33,000 thousand or 17.7% increase from 2024.
    -   The net interest margin (tax equivalent) for Q4 2025 was 3.67%, up from 3.43% in Q4 2024.
    -   The net interest margin (tax equivalent) for the full year 2025 was 3.62%, compared to 3.36% in 2024.
-   **Noninterest Income**
    -   Total noninterest income for Q4 2025 was $16,603 thousand, an increase of $400 thousand or 2.7% compared to Q4 2024.
    -   For the full year 2025, total noninterest income was $63,617 thousand, a $1,100 thousand or 1.7% increase from 2024.
    -   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.
    -   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.

#### Operating Costs

-   **Noninterest Expense**
    -   Total noninterest expense for Q4 2025 was $36,452 thousand, an increase of $2,700 thousand or 7.9% compared to Q4 2024.
    -   For the full year 2025, total noninterest expense was $143,067 thousand, an increase of $12,100 thousand or 9.3% from 2024.
    -   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.
    -   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).

#### Unique Metrics

-   **Loan Portfolio**
    -   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.
    -   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.
-   **Deposits and Repurchase Agreements**
    -   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.
    -   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.
-   **Shareholders’ Equity**
    -   Shareholders’ equity at December 31, 2025, was $856,072 thousand, an increase of $98,500 thousand or 13.0% from the prior year.
    -   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.
-   **Asset Quality**
    -   Total nonperforming loans were $19,200 thousand at December 31, 2025, a decrease of $7,500 thousand from the prior year.
    -   Nonaccrual loans decreased by $7,800 thousand to $8,539 thousand at December 31, 2025, compared to the prior year.
    -   Net loan charge-offs for Q4 2025 were $1,755 thousand, compared to $979 thousand for Q4 2024.
    -   Net charge-offs for the full year 2025 were $7,431 thousand, compared to $5,526 thousand for 2024.
    -   The provision for credit losses for Q4 2025 was $2,908 thousand, an increase of $300 thousand from Q4 2024.
    -   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.
    -   The loan loss reserve as a percentage of total loans outstanding remained at 1.23% at December 31, 2025.

#### Outlook / Guidance

-   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.
-   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.
-   The company does not undertake any obligation to update forward-looking statements.

### 相关股票

- [Community Trust Bancorp (CTBI.US)](https://longbridge.com/zh-CN/quote/CTBI.US.md)

## 相关资讯与研究

- [Community Trust Bancorp Inc Presents at 2026 CEO Forum](https://longbridge.com/zh-CN/news/274709292.md)
- [Community Trust Bancorp (NASDAQ:CTBI) Posts Earnings Results, Beats Estimates By $0.10 EPS](https://longbridge.com/zh-CN/news/273242990.md)
- [He brought private credit to the masses. Now the masses are fleeing.](https://longbridge.com/zh-CN/news/281341470.md)
- [Jagran Prakashan Files SEBI Regulation 74(5) Compliance Certificate for FY 2025-26](https://longbridge.com/zh-CN/news/281491540.md)
- [Reviva Reports Full Year 2025 Financial Results and Recent Business Highlights | RVPH Stock News](https://longbridge.com/zh-CN/news/280996019.md)