Here are the 10-K annual reports from Community Trust Bancorp Inc (CTBI) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow CTBI and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CTBI filings page.
Community Trust Bancorp, Inc. reports record 2025 results, with net income of $98.1 million and basic earnings per share of $5.44, up from $4.61 in 2024. Total revenue reached $282.6 million as higher interest income drove a 17.7% increase in net interest income to $219.0 million.
Loans grew 9.1% to $4.89 billion, led by commercial and residential real estate, while deposits, including repurchase agreements, rose 7.3% to $5.7 billion. Total assets were $6.7 billion and shareholders’ equity climbed to $856.1 million, with a community bank leverage ratio of 13.64%.
Profitability improved, with return on average assets at 1.53% and return on average equity at 12.07%. The annual dividend was increased from $1.86 to $2.00 per share, and the company continued to invest in technology, cybersecurity, branch optimization, and community development lending.