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AI brief of an SEC Form 8-K · COMMUNITY TRUST BANCORP INC /KY/ (CTBI)

Community Trust Bancorp Q3 2026 EPS $1.43, up from $1.33 a year ago, down from $1.64

Mixed Impact 3 of 5 earnings Written later

Community Trust Bancorp reported third quarter 2026 net income of $25.9 million, or $1.43 per basic share, up from $23.9 million a year earlier but down from $29.6 million in the second quarter. Revenue rose year over year, but a $9.2 million provision for credit losses, driven by higher net charge-offs and loan growth, weighed on results and shareholders should weigh the sequential decline alongside the annual gain.

Key points

  • Q3 2026 net income $25.9 million, or $1.43 basic EPS, versus $29.6 million ($1.64) in Q2 2026 and $23.9 million ($1.33) in Q3 2025.
  • Net interest income $61.1 million, up $5.5 million (9.9%) from Q3 2025; net interest margin 3.63% versus 3.80% in Q2 2026.
  • Provision for credit losses $9.2 million, up $6.4 million from Q2 2026; net charge-offs $6.6 million, including a $4.3 million charge-off on one commercial relationship.
  • Nine-month net income $82.7 million, or $4.58 basic EPS, compared with $70.8 million ($3.93) a year earlier.

The filing

CompanyCOMMUNITY TRUST BANCORP INC /KY/ (CTBI)
Form8-K, current report
Filed with the SECOct 21, 2026, 8:25 AM ET
Accession number0000350852-26-000075

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:51 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 21, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.