Core Viewpoint - Community Trust Bancorp (CTBI) demonstrated strong financial performance for the quarter ended December 2025, with significant year-over-year growth in revenue and earnings per share (EPS) [1] Financial Performance - Revenue for the quarter was reported at $74.72 million, reflecting a 13.3% increase compared to the same period last year [1] - EPS was reported at $1.51, an increase from $1.25 in the year-ago quarter, resulting in a surprise of +5.97% over the consensus estimate of $1.43 [1] - The revenue exceeded the Zacks Consensus Estimate of $73.15 million by +2.15% [1] Key Metrics - Efficiency ratio stood at 48.7%, better than the average estimate of 50.5% based on two analysts [4] - Net Interest Margin was reported at 3.7%, slightly above the average estimate of 3.6% [4] - Average Balances of Interest-earning assets were $6.32 billion, compared to the estimated $6.29 billion [4] - Total Non-Interest Income was $16.6 million, surpassing the average estimate of $16 million [4] - Net Interest Income reached $58.12 million, exceeding the average estimate of $57.2 million [4] Stock Performance - Shares of Community Trust Bancorp have returned +1.4% over the past month, contrasting with the Zacks S&P 500 composite's -0.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

Community Trust Bancorp (CTBI) came out with quarterly earnings of $1.51 per share, beating the Zacks Consensus Estimate of $1.43 per share. This compares to earnings of $1.25 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +5.97%. A quarter ago, it was expected that this bank holding company for Community Trust Bank would post earnings of $1.38 per share when it actually produced earnings of $1.32, delivering a surprise of -4 ...

Exhibit 99.1 FOR IMMEDIATE RELEASE January 21, 2026 FOR ADDITIONAL INFORMATION, PLEASE CONTACT MARK A. GOOCH, CHAIRMAN, PRESIDENT, AND CEO, COMMUNITY TRUST BANCORP, INC. AT (606) 437-3229 Pikeville, Kentucky: COMMUNITY TRUST BANCORP, INC. REPORTS RECORD EARNINGS FOR THE 4TH QUARTER AND YEAR 2025 Earnings Summary | | 4Q 2025 | | | 3Q 2025 | | 4Q 2024 | Year 2025 | | | Year 2024 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | (in thousands except per share data) | | | | | | | | | | | | ...

| (in thousands except per share data) | 4Q | 3Q | 4Q | Year | Year | | --- | --- | --- | --- | --- | --- | | | 2025 | 2025 | 2024 | 2025 | 2024 | | Net income | $27,276 | $23,911 | $22,493 | $98,058 | $82,813 | | Earnings per share | $1.51 | $1.33 | $1.25 | $5.44 | $4.61 | | Earnings per share – diluted | $1.51 | $1.32 | $1.25 | $5.43 | $4.61 | | Return on average assets | 1.63% | 1.46% | 1.47% | 1.53% | 1.41% | | Return on average equity | 12.71% | 11.53% | 11.77% | 12.07% | 11.31% | | Efficiency ratio | ...

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Financial Performance - Community Trust Bancorp, Inc. reported Q3 2025 earnings of $23.9 million, or $1.33 per basic share, compared to $24.9 million, or $1.38 per basic share in Q2 2025, and $22.1 million, or $1.23 per basic share in Q3 2024 [186]. - Net interest income for Q3 2025 was $55.6 million, an increase of $1.5 million, or 2.8%, from the prior quarter, and $8.4 million, or 17.7%, from the same quarter last year [189]. - Noninterest income for Q3 2025 was $15.9 million, which was $0.2 million, or 1.4%, below the prior quarter but $0.4 million, or 2.5%, above the same quarter last year [189]. - Noninterest expense for Q3 2025 was $36.7 million, an increase of $1.1 million, or 3.0%, from the prior quarter, and $4.2 million, or 13.0%, from the same quarter last year [189]. - Total shareholders' equity increased by $24.5 million, or an annualized 12.0%, during the quarter, and by $73.8 million, or 9.7%, from the prior year end [189]. Asset and Deposit Growth - Total consolidated assets as of September 30, 2025, were $6.6 billion, with total consolidated deposits of $5.7 billion, and shareholders' equity of $831.4 million [184]. - The loan portfolio increased to $4.8 billion, reflecting a quarterly increase of $92.1 million, or an annualized 7.8%, and a year-over-year increase of $307.3 million, or 6.8% [189]. - Deposits, including repurchase agreements, increased by $212.2 million, or an annualized 15.4%, during the quarter, and by $360.0 million, or 6.8%, from the prior year end [189]. - Total assets increased to $6.6 billion, up $247.2 million (15.3% annualized) during the quarter and $444.9 million (9.6%) from the prior year end [205]. - Total deposits, including repurchase agreements, increased to $5.7 billion, up $212.2 million (15.4% annualized) during the quarter and $360.0 million (9.1%) from the prior year end [206]. Credit Quality and Loss Provisions - The provision for credit losses increased to $3.9 million for Q3 2025, up $1.8 million from the prior quarter and $1.1 million from the same quarter last year [189]. - Provision for credit losses for the nine months ended September 30, 2025, was $9,500 thousand, which is a $1,200 thousand increase over the same period in 2024 [201]. - The reserve coverage ratio (allowance for credit losses to nonperforming loans) was 239.5% as of September 30, 2025, compared to 212.7% a year earlier [201]. - Total nonperforming loans increased to $24.7 million, up $0.3 million from the prior quarter but down $2.0 million from the prior year end [213]. - Net loan charge-offs for the quarter were $2.7 million, an annualized 0.23% of average loans, compared to $1.4 million (0.12%) in the prior quarter and $1.5 million (0.14%) in the same period last year [214]. Interest Income and Margin - The net interest margin for Q3 2025 was 3.60%, reflecting a decrease of 4 basis points from the prior quarter but an increase of 21 basis points from the same quarter last year [189]. - Total interest income for the nine months ended September 30, 2025, was $24,714 thousand, with a significant contribution from loans, which increased by $23,511 thousand [199]. - The net interest margin on a fully tax equivalent basis was 3.61% for the nine months ended September 30, 2025, compared to 3.34% for the same period in 2024, reflecting an improvement of 27 basis points [200]. - The company reported a net interest spread of 2.72% for the nine months ended September 30, 2025, compared to 2.30% for the same period in 2024 [200]. Capital Management - Shareholders' equity rose to $831.4 million, an increase of $24.5 million (12.0% annualized) during the quarter and $73.8 million (13.0%) from the prior year end [208]. - Year-to-date cash dividends were $1.47 per share, with a retention rate of 62.6% of earnings compared to 58.6% in the prior year [220]. - A total of 2,465,294 shares have been repurchased under the stock repurchase program, leaving 1,034,706 shares remaining [225]. Risk Management and Credit Loss Estimation - CTBI uses a discounted cash flow (DCF) model for estimating expected credit losses, which allows for effective incorporation of reasonable forecasts [232]. - Expected credit losses are estimated based on historical credit loss experience, peer data, and current market conditions, with forecasts considered reasonable for up to one year [233]. - Qualitative factors are included in the allowance for credit losses (ACL) to capture portfolio characteristics not fully reflected in the models, requiring significant management judgment [234]. - The reserve for unfunded commitments is maintained to absorb estimated expected credit losses related to unfunded credit facilities, based on the remaining contractual life of the commitments [237]. - CTBI's interest rate risk management aims to maintain consistent growth in net interest income, with a 200 basis point increase in the yield curve estimated to increase net interest income by 2.39% over one year [239].

Core Insights - Community Trust Bancorp, Inc. (CTBI) is a significant entity in the Zacks Banks - Southeast industry, providing a wide range of banking services while striving to achieve strong financial results despite competitive pressures [1] Financial Performance - For Q3 2025, CTBI reported an Earnings Per Share (EPS) of $1.32, which was below the expected $1.38, resulting in a negative earnings surprise of 4.35%. However, this EPS reflects an improvement from the previous year's $1.23, indicating growth in profitability [2][6] - The company's revenue for the quarter was $71.5 million, slightly under the forecast of $72.05 million, but it represented a 13.4% increase compared to the same period last year. This revenue figure also marginally exceeded the Zacks Consensus Estimate of $71.4 million, leading to a positive surprise of 0.14% [3][6] - CTBI's net income for Q3 2025 was $23.9 million, a decrease from $24.9 million in the previous quarter but an increase from $22.1 million in Q3 2024, demonstrating a consistent year-over-year growth trend despite quarterly fluctuations [4][6] Financial Ratios - The return on average assets was reported at 1.46%, and the return on average equity was 11.53%, both showing slight declines from the previous quarter. The efficiency ratio was 50.86%, indicating the company's operational efficiency [5] - CTBI's debt-to-equity ratio stood at 0.38, and the current ratio was 0.18, suggesting a moderate level of debt but potential liquidity concerns [5]

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Core Insights - Community Trust Bancorp (CTBI) reported a revenue of $71.5 million for the quarter ended September 2025, reflecting a year-over-year increase of 13.4% [1] - The earnings per share (EPS) for the quarter was $1.32, up from $1.23 in the same quarter last year, although it fell short of the consensus estimate of $1.38 by 4.35% [1] Financial Performance Metrics - The efficiency ratio was reported at 50.9%, slightly above the average estimate of 49.9% from three analysts [4] - Average balances of interest-earning assets were $6.15 billion, exceeding the average estimate of $6.07 billion [4] - The net interest margin was reported at 3.6%, matching the average estimate from three analysts [4] - Net charge-offs as a percentage of average loans and leases were 0.1%, better than the average estimate of 0.2% from two analysts [4] - Total non-interest income was $15.95 million, slightly below the average estimate of $15.97 million [4] - Net interest income was $55.55 million, surpassing the average estimate of $55.45 million [4] - Deposit-related fees were reported at $8.13 million, higher than the average estimate of $7.7 million [4] - Loan-related fees were $0.9 million, below the average estimate of $1.13 million [4] - Trust revenue was $4.28 million, exceeding the average estimate of $4.07 million [4] Stock Performance - Shares of Community Trust Bancorp have returned +0.9% over the past month, compared to a +1% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]