COMMUNITY TRUST BANCORP INC /KY/ — Form 8-K
Filed October 21, 2026 · analyzed by the 8-K Agent
8-K
▼ Likely negative
significance 42/100
What the filing says
Community Trust Bancorp reported Q3 2026 net income of $25.9M ($1.43 EPS), down 12.6% from Q2 2026 ($29.6M, $1.64 EPS) but up 8.3% YoY from Q3 2025 ($23.9M, $1.33 EPS). Loan portfolio grew $177.9M (annualized 13.8%) to $5.3B; deposits rose $86.1M (annualized 5.7%) to $6.0B. Provision for credit losses jumped to $9.2M (from $2.8M prior quarter, $3.9M prior year), driven by $6.6M net charge-offs (0.50% annualized, vs. 0.07% prior quarter) including a $4.3M charge-off on a commercial loan after collateral auction shortfall. Year-to-date net income: $82.7M vs. $70.8M prior year (+16.8%).
Why this rating
Quarter-over-quarter earnings decline and elevated credit losses offset by YTD growth and strong loan origination. Credit quality deterioration material but contained.
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