Community Trust Bancorp, Inc. Reports Earnings for the 3rd Quarter 2026
Community Trust Bancorp reported Q3 2026 net income of $25.9 million, or $1.43 per diluted share, up from $23.9 million ($1.33) a year earlier but down from $29.6 million ($1.64) in Q2. Net interest income rose 9.9% YoY to $61.1 million and noninterest income climbed 16.9% to $18.6 million, while noninterest expense fell 0.7% YoY. Credit quality was the sore spot: the provision jumped to $9.2 million and net charge-offs hit an annualized 0.50% of average loans, driven largely by a $4.3 million charge-off on a commercial loan whose collateral sold well below expectations at auction.
Key figures
- Eps
- 1.43
- Revenue
- total revenue up $8.2 million vs prior year same quarter
- Npl
- 22500000
- Roaa
- 1.46%
- Roe avg
- 11.49%
- Eps diluted
- 1.43
- Total loans
- 5300000000
- Total assets
- 7100000000
- Total deposits
- 6000000000
- Efficiency ratio
- 45.90%
- Net income q3 2025
- 23911000
- Net income q3 2026
- 25890000
- Noninterest income
- 18648000
- Net income ytd 2026
- 82705000
- Net interest income
- 61056000
- Net interest margin
- 3.63%
- Noninterest expense
- 36480000
- Book value per share
- 48.29
- Provision for credit losses
- 9171000
- Dividends declared per share
- 0.71
- Net charge off ratio annualized
- 0.50%
AI analysis
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