COMMUNITY TRUST BANCORP INC /KY/ (CTBI) FY2025 10-K Annual Report
COMMUNITY TRUST BANCORP INC /KY/ (CTBI) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
COMMUNITY TRUST BANCORP INC /KY/ FY2025 10-K Analysis
Business Overview
- • Core business model: Community banking services through lending, deposits, and related financial products
- • New equity compensation plan (2025 Plan) approved in 2024, authorized 550,000 shares, active February 1, 2025
Management Discussion & Analysis
- • Revenue and profitability details not disclosed in MD&A section
- • No segment performance data provided in text
Risk Factors
- • Cybersecurity risk monitored quarterly by Board’s Risk and Compliance Committee with detailed reports on incidents and assessments
- • Key-person dependency in cybersecurity with VP/CISRDO tenure 7 years, EVP/Operations 34 years, and VP/Network Manager 23 years
COMMUNITY TRUST BANCORP INC /KY/ FY2025 Key Financial MetricsXBRL
Revenue
$346M
▲ +10.3% YoY
Net Income
$98M
▲ +18.4% YoY
Net Margin
28.4%
▲ +194bp YoY
ROE
11.5%
▲ +52bp YoY
Total Assets
$6.7B
▲ +7.9% YoY
EPS (Diluted)
$5.43
▲ +17.8% YoY
Operating Cash Flow
$105M
▼ -0.2% YoY
Source: XBRL data from COMMUNITY TRUST BANCORP INC /KY/ FY2025 10-K filing on SEC EDGAR. All figures in USD.
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