Community Trust Bancorp Inc. Reports Record 2Q 2025 Earnings; Net Income Up 27.7%, EPS at $1.38

Reuters
Jul 16
Community Trust Bancorp Inc. Reports Record 2Q 2025 Earnings; Net Income Up 27.7%, EPS at $1.38

Community Trust Bancorp, Inc. has reported record earnings for the second quarter of 2025. The company achieved a net income of $24.9 million, a significant increase from $21.97 million in the first quarter of 2025 and $19.5 million in the second quarter of 2024. Earnings per share for this quarter were $1.38, up from $1.22 in the previous quarter and $1.09 in the same quarter last year. Total revenue for Q2 2025 rose by $4.0 million compared to the previous quarter and by $8.8 million compared to the same quarter in 2024. Net interest revenue increased by $2.8 million over the prior quarter and by $8.4 million year-over-year. Noninterest income also saw growth, increasing by $1.3 million from the previous quarter and $0.5 million compared to the same period last year. The report highlighted a decrease in provision for credit losses by $1.5 million from the previous quarter and $0.9 million from the same quarter last year. However, noninterest expense increased by $1.5 million quarter-over-quarter and by $3.2 million year-over-year. For the first half of 2025, earnings were up by $8.7 million compared to the previous year. The return on average assets for the quarter was 1.58%, and the return on average equity stood at 12.51%. The efficiency ratio improved to 50.70% from 51.86% in the previous quarter. Dividends declared per share were $0.47, consistent with the previous quarter and slightly higher than $0.46 in the same quarter of the previous year. The book value per share increased to $44.57 from $43.32 in the prior quarter. The company did not provide any specific outlook or guidance for future periods in the report.

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