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COMMUNITY TRUST BANCORP INC /KY/
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Last updated Oct 18, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Financial statements
Every line of the income statement in the latest annual report, as filed.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Interest and fees on loans, including loans held for sale | $304.6M | $274.6M | $230.8M |
| Taxable | $23.7M | $25.0M | $27.3M |
| Tax exempt | $2.5M | $2.6M | $2.7M |
| Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock | $749.0K | $783.0K | $759.0K |
| Interest on Federal Reserve Bank deposits | $13.9M | $10.1M | $6.8M |
| Other, including interest on federal funds sold | $392.0K | $434.0K | $275.0K |
| Total interest income | $345.7M | $313.4M | $268.6M |
| Interest on deposits | $112.7M | $112.5M | $81.2M |
| Interest on repurchase agreements and federal funds purchased | $10.0M | $10.4M | $9.0M |
| Interest on advances from Federal Home Loan Bank | $12.0K | $16.0K | $1.0M |
| Interest on long-term debt | $4.0M | $4.5M | $4.4M |
| Total interest expense | $126.7M | $127.4M | $95.5M |
| Net interest income | $219.0M | $186.0M | $173.1M |
| Provision for credit losses | $12.4M | $11.0M | $6.8M |
| Net interest income after provision for credit losses | $206.5M | $175.0M | $166.3M |
| Deposit related fees | $29.8M | $29.8M | $29.9M |
| Gains on sales of loans, net | $320.0K | $294.0K | $395.0K |
| Trust and wealth management income | $16.8M | $14.9M | $13.0M |
| Loan related fees | $4.0M | $5.0M | $3.8M |
| Bank owned life insurance revenue | $4.5M | $5.2M | $3.5M |
| Brokerage revenue | $2.1M | $2.3M | $1.5M |
| Securities gains | $375.0K | $631.0K | $996.0K |
| Other noninterest income | $5.7M | $4.4M | $4.5M |
| Total noninterest income | $63.6M | $62.6M | $57.7M |
| Officer salaries and employee benefits | $19.7M | $16.3M | $15.2M |
| Other salaries and employee benefits | $65.8M | $63.1M | $58.5M |
| Occupancy, net | $10.2M | $9.4M | $8.9M |
| Equipment | $3.1M | $2.8M | $2.9M |
| Data processing | $12.6M | $11.2M | $9.7M |
| Taxes other than property and payroll | $2.4M | $1.8M | $1.7M |
| Legal fees | $1.6M | $1.1M | $1.1M |
| Professional fees | $2.7M | $2.8M | $2.2M |
| Advertising and marketing | $3.2M | $3.1M | $3.2M |
| FDIC insurance | $2.8M | $2.6M | $2.5M |
| Other real estate owned provision and expense | $313.0K | $152.0K | $350.0K |
| Repossession expense | $1.2M | $1.1M | $531.0K |
| Other noninterest expense | $17.6M | $15.5M | $18.5M |
| Total noninterest expense | $143.1M | $130.9M | $125.4M |
| Income before income taxes | $127.1M | $106.7M | $98.6M |
| Income taxes | $29.0M | $23.9M | $20.6M |
| Net income | $98.1M | $82.8M | $78.0M |
| Unrealized holding gains arising during the period | $44.7M | $6.6M | $36.9M |
| Less: Reclassification adjustments for realized gains included in net income | $2.0K | $8.0K | $4.0K |
| Tax expense | $11.2M | $1.6M | $11.0M |
| Other comprehensive income, net of tax | $33.5M | $5.0M | $25.8M |
| Comprehensive income | $131.6M | $87.8M | $103.8M |
| Basic earnings per share (in dollars per share) | $5.44 | $4.61 | $4.36 |
| Diluted earnings per share (in dollars per share) | $5.43 | $4.61 | $4.36 |
| Weighted average shares outstanding-basic (in shares) | 18.0M shares | 17.9M shares | 17.9M shares |
| Weighted average shares outstanding-diluted (in shares) | 18.0M shares | 18.0M shares | 17.9M shares |
Every line of the balance sheet in the latest annual report, as filed.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $62.9M | $73.0M | |
| Interest bearing deposits | $300.8M | $296.5M | |
| Cash and cash equivalents | $363.7M | $369.5M | |
| Certificates of deposit in other banks | $245.0K | $245.0K | |
| Debt securities available-for-sale at fair value (amortized cost of $1,206,938 and $1,186,649, respectively) | $1.1B | $1.1B | |
| Equity securities at fair value | $4.2M | $3.8M | |
| Loans held for sale | $211.0K | $184.0K | |
| Loans | $4.9B | $4.5B | |
| Allowance for credit losses | -$60.2M | -$55.0M | -$49.5M |
| Net loans | $4.8B | $4.4B | |
| Premises and equipment, net | $52.6M | $49.6M | |
| Operating right-of-use assets | $11.5M | $11.4M | |
| Finance right-of-use assets | $3.9M | $3.0M | |
| Federal Home Loan Bank stock | $5.2M | $5.1M | |
| Federal Reserve Bank stock | $4.9M | $4.9M | |
| Goodwill | $65.5M | $65.5M | |
| Bank owned life insurance | $123.3M | $101.5M | |
| Mortgage servicing rights | $6.8M | $7.4M | |
| Other real estate owned | $3.1M | $3.6M | |
| Deferred tax asset | $20.9M | $29.1M | |
| Accrued interest receivable | $26.0M | $24.8M | |
| Other assets | $36.8M | $26.3M | |
| Total assets | $6.7B | $6.2B | |
| Noninterest bearing | $1.3B | $1.2B | |
| Interest bearing | $4.1B | $3.8B | |
| Total deposits | $5.4B | $5.1B | |
| Repurchase agreements | $308.8M | $240.2M | |
| Federal funds purchased | $500.0K | $500.0K | |
| Advances from Federal Home Loan Bank | $293.0K | $314.0K | |
| Long-term debt | $63.8M | $64.0M | |
| Operating lease liabilities | $11.9M | $11.8M | |
| Finance lease liabilities | $4.5M | $3.4M | |
| Accrued interest payable | $8.5M | $8.4M | |
| Other liabilities | $40.7M | $36.9M | |
| Total liabilities | $5.8B | $5.4B | |
| Preferred stock, 300,000 shares authorized and unissued | $0 | $0 | |
| Common stock, $5.00 par value, shares authorized 25,000,000; shares issued and outstanding 2025 - 18,115,847; 2024 - 18,057,923 | $90.6M | $90.3M | |
| Capital surplus | $236.4M | $233.8M | |
| Retained earnings | $593.9M | $531.9M | |
| Accumulated other comprehensive loss, net of tax | -$64.8M | -$98.4M | -$103.3M |
| Total shareholders' equity | $856.1M | $757.6M | $702.2M |
| Total liabilities and shareholders' equity | $6.7B | $6.2B | |
| Debt securities available-for-sale at amortized cost | $1.2B | $1.2B | |
| Preferred stock, shares authorized (in shares) | 300.0K shares | 300.0K shares | |
| Common stock, par value (in dollars per share) | $5.00 | $5.00 | |
| Common stock, shares authorized (in shares) | 25.0M shares | 25.0M shares | |
| Common stock, shares issued (in shares) | 18.1M shares | 18.1M shares | |
| Common stock, shares outstanding (in shares) | 18.1M shares | 18.1M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $98.1M | $82.8M | $78.0M |
| Depreciation and amortization | $4.1M | $3.8M | $3.8M |
| Amortization of operating lease right-of-use assets | $1.6M | $1.2M | $1.6M |
| Deferred tax expense (benefit) | -$2.9M | -$1.7M | $709.0K |
| Stock-based compensation | $1.8M | $1.4M | $1.6M |
| Provision for credit losses | $12.4M | $11.0M | $6.8M |
| Write-downs of other real estate owned and other repossessed assets | $96.0K | $105.0K | $211.0K |
| Gains on sale of mortgage loans held for sale | -$320.0K | -$294.0K | -$395.0K |
| Securities gains | -$2.0K | -$8.0K | -$4.0K |
| Fair value adjustments in equity securities | -$373.0K | -$623.0K | -$992.0K |
| Gains on sale of assets, net | -$665.0K | -$102.0K | -$408.0K |
| Proceeds from sale of mortgage loans held for sale | $11.8M | $11.4M | $15.0M |
| Funding of mortgage loans held for sale | -$11.6M | -$11.3M | -$14.9M |
| Amortization of securities premiums and discounts, net | $2.5M | $2.6M | $2.7M |
| Change in cash surrender value of bank owned life insurance | -$3.1M | -$4.0M | -$2.4M |
| Payment of operating lease liabilities | -$1.6M | -$1.2M | -$1.6M |
| Interest expense on finance lease liabilities | $187.0K | $158.0K | $118.0K |
| Fair value adjustments in mortgage servicing rights | $734.0K | $431.0K | $965.0K |
| Accrued interest receivable | -$1.2M | -$1.2M | -$4.0M |
| Other assets | -$10.3M | $2.0M | -$2.6M |
| Accrued interest payable | $157.0K | $989.0K | $5.2M |
| Other liabilities | $3.5M | $8.0M | -$3.6M |
| Net cash provided by operating activities | $105.0M | $105.3M | $85.8M |
| Purchase of certificates of deposit | $0 | $0 | -$245.0K |
| Maturity of certificates of deposit | $0 | $0 | $245.0K |
| Purchase of AFS securities | -$232.5M | -$55.4M | -$19.5M |
| Proceeds from sales of AFS securities | $0 | $14.2M | $21.5M |
| Proceeds from prepayments, calls, and maturities of AFS securities | $209.6M | $153.2M | $124.7M |
| Change in loans, net | -$417.6M | -$444.1M | -$344.2M |
| Purchase of premises and equipment | -$7.6M | -$8.1M | -$6.3M |
| Proceeds from sale and retirement of premises and equipment | $1.1M | $70.0K | $375.0K |
| Purchase of Federal Home Loan Bank stock | -$4.8M | -$4.8M | -$3.2M |
| Redemption of Federal Home Loan Bank stock | $4.7M | $4.4M | $5.2M |
| Proceeds from sale of other real estate owned and repossessed assets | $2.6M | $774.0K | $1.3M |
| Additional investment in other real estate owned and repossessed assets | $0 | -$13.0K | -$47.0K |
| Additional investment in bank owned life insurance | -$19.1M | $0 | -$6.9M |
| Redemption of bank owned life insurance | $438.0K | $1.6M | $336.0K |
| Proceeds from settlement of bank owned life insurance | $0 | $2.4M | $241.0K |
| Net cash used in investing activities | -$463.2M | -$335.7M | -$226.6M |
| Change in deposits, net | $318.9M | $345.6M | $298.5M |
| Change in repurchase agreements and federal funds purchased, net | $68.6M | $14.9M | $9.8M |
| Proceeds from Federal Home Loan Bank advances | $100.0M | $100.0M | $225.0M |
| Payments on advances from Federal Home Loan Bank | -$100.0M | -$100.0M | -$225.0M |
| Payment of finance lease liabilities | -$183.0K | -$154.0K | -$151.0K |
| Proceeds from long-term debt/other borrowings | $0 | $0 | $6.6M |
| Repayment of long-term debt/other borrowings | -$232.0K | -$225.0K | -$163.0K |
| Issuance of common stock | $1.3M | $1.8M | $1.1M |
| Dividends paid | -$36.0M | -$33.4M | -$32.2M |
| Net cash provided by financing activities | $352.4M | $328.5M | $283.5M |
| Net increase (decrease) in cash and cash equivalents | -$5.8M | $98.1M | $142.7M |
| Income taxes paid | $28.5M | $20.6M | $20.7M |
| Interest paid | $126.6M | $126.5M | $90.4M |
| Loans to facilitate the sale of other real estate owned and repossessed assets | $2.8M | $356.0K | $1.3M |
| Common stock dividends accrued, paid in subsequent quarter | $324.0K | $276.0K | $291.0K |
| Real estate acquired in settlement of loans | $4.7M | $3.2M | $658.0K |
| Right-of-use assets obtained in exchange for new operating lease liabilities | $1.7M | $0 | $358.0K |
| Right-of-use assets obtained in exchange for new finance lease liabilities | $1.1M | $0 | $0 |
Compare COMMUNITY TRUST BANCORP INC /KY/ with another company
Former names
Recent filings
- Sep 9, 20268-K CURRENT REPORT FILING
- Aug 17, 20264 PRIMARY DOCUMENT
- Aug 14, 2026144
- Aug 7, 202610-Q
- Jul 29, 20268-K CURRENT REPORT FILING
- Jul 17, 20264 PRIMARY DOCUMENT
- Jul 15, 20268-K CURRENT REPORT FILING
- Jul 2, 20264/A PRIMARY DOCUMENT
- Jul 1, 20264 PRIMARY DOCUMENT
- Jun 26, 202611-K
- Jun 26, 202611-K ANNUAL REPORT OF EMPLOYEE STOCK PURCHASE, SAVINGS, AND SIMILAR PLANS
- May 8, 202610-Q
- May 4, 20268-K RETIREMENT OF BANK PRESIDENT 8-K
- Apr 29, 20268-K PROXY VOTE 2026 FORM 8-K
- Apr 29, 20264 PRIMARY DOCUMENT
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
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