Community Trust Bancorp Inc. reported record earnings for the fourth quarter (Q4) and full year (FY) 2025. Net income for Q4 2025 was USD 27.3 million, with earnings per share at USD 1.51 and diluted earnings per share also at USD 1.51. For the full year 2025, net income reached USD 98.1 million, with earnings per share at USD 5.44 and diluted earnings per share at USD 5.43. Return on average assets for Q4 2025 stood at 1.63%, while return on average equity was 12.71%. For the full year 2025, return on average assets was 1.53% and return on average equity was 12.07%. The efficiency ratio for Q4 2025 improved significantly to 48.70%. Tangible common equity at the end of Q4 2025 was 11.94%. Book value per share as of Q4 2025 was USD 47.26. Dividends declared per share for Q4 2025 were USD 0.53, and for the full year 2025 totaled USD 2.00. In terms of noninterest income for Q4 2025, deposit related fees amounted to USD 7.5 million, trust revenue reached USD 4.4 million, and loan related fees were USD 0.9 million. Trust revenue for Q4 2025 increased by 12% compared to the same period in the previous year. Bank owned life insurance revenue for Q4 2025 was USD 1.2 million. For the full year 2025, deposit related fees totaled USD 29.8 million and trust revenue was USD 16.8 million, with the latter increasing by 12% from the previous year.

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