Community Trust Bancorp, Inc. Reports Financial Results for the Quarter and Nine Months Ended September 30, 2025

Strategic Insights -

Community Trust Bancorp, Inc., a leading bank holding company in Kentucky, has announced its financial results for the quarter and nine months ended September 30, 2025. The company reported strong performance across various key metrics, demonstrating its ability to navigate the current economic landscape. With a commitment to serving the financial needs of its customers and the communities it operates in, Community Trust Bancorp, Inc. continues to thrive as a trusted financial partner.

Key Takeaways:

  • The company reported net income of $17.4 million for the quarter ended September 30, 2025, representing a 12% increase from the same period in the prior year.
  • Community Trust Bancorp, Inc. achieved a return on average assets of 1.23% for the nine months ended September 30, 2025, showcasing its efforts to optimize profitability.
  • The company's loan portfolio grew by 8.8% year-over-year, reaching $3.45 billion as of September 30, 2025, driven by strong demand for community development and commercial lending services.
  • Deposit growth remained robust, with a 6.3% annual increase to $4.65 billion as of September 30, 2025, underscoring the bank's ability to attract and retain deposit relationships.
  • Community Trust Bancorp, Inc.'s operating expense ratio improved by 10 basis points from the same period in the prior year, reflecting the company's commitment to cost management and operational efficiency.

Statistics:

  • Net income: $17.4 million for the quarter ended September 30, 2025
  • Return on average assets: 1.23% for the nine months ended September 30, 2025
  • Loan growth: 8.8% year-over-year ending September 30, 2025
  • Deposit growth: 6.3% annual increase as of September 30, 2025
  • Operating expense ratio: improved by 10 basis points from the same period in the prior year

Sources:

  • U.S. Securities and Exchange Commission
  • COMMUNITY TRUST BANCORP, INC. - FORM 8-K (Current Report)
  • Community Trust Bancorp, Inc. Press Release (Exhibit 99.1) dated October 15, 2025