\n| \n (in thousands except per share data)<\/i><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2026<\/b><\/p>\n<\/td>\n | \n 4Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n<\/tr>\n\n| \n \nNet income<\/p>\n<\/td>\n | \n \n$27,192<\/p>\n<\/td>\n | \n \n$27,276<\/p>\n<\/td>\n | \n \n$21,972<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nEarnings per share<\/p>\n<\/td>\n | \n \n$1.51<\/p>\n<\/td>\n | \n \n$1.51<\/p>\n<\/td>\n | \n \n$1.22<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nEarnings per share \u2013 diluted<\/p>\n<\/td>\n | \n \n$1.50<\/p>\n<\/td>\n | \n \n$1.51<\/p>\n<\/td>\n | \n \n$1.22<\/p>\n<\/td>\n<\/tr>\n | \n| \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nReturn on average assets<\/p>\n<\/td>\n | \n \n1.65%<\/p>\n<\/td>\n | \n \n1.63%<\/p>\n<\/td>\n | \n \n1.44%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nReturn on average equity<\/p>\n<\/td>\n | \n \n12.62%<\/p>\n<\/td>\n | \n \n12.71%<\/p>\n<\/td>\n | \n \n11.50%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nEfficiency ratio<\/p>\n<\/td>\n | \n \n48.72%<\/p>\n<\/td>\n | \n \n48.70%<\/p>\n<\/td>\n | \n \n51.86%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nTangible common equity<\/p>\n<\/td>\n | \n \n12.07%<\/p>\n<\/td>\n | \n \n11.94%<\/p>\n<\/td>\n | \n \n11.57%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nDividends declared per share<\/p>\n<\/td>\n | \n \n$0.53<\/p>\n<\/td>\n | \n \n$0.53<\/p>\n<\/td>\n | \n \n$0.47<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nBook value per share<\/p>\n<\/td>\n | \n \n$47.99<\/p>\n<\/td>\n | \n \n$47.26<\/p>\n<\/td>\n | \n \n$43.32<\/p>\n<\/td>\n<\/tr>\n | \n| \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nWeighted average shares<\/p>\n<\/td>\n | \n \n18,049<\/p>\n<\/td>\n | \n \n18,025<\/p>\n<\/td>\n | \n \n17,995<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nWeighted average shares \u2013 diluted<\/p>\n<\/td>\n | \n \n18,080<\/p>\n<\/td>\n | \n \n18,064<\/p>\n<\/td>\n | \n \n18,022<\/p>\n<\/td>\n<\/tr>\n<\/table>\n \nCommunity Trust Bancorp, Inc. (NASDAQ:CTBI) achieved earnings for the first quarter 2026 of $27.2 million, or $1.51 per basic earnings per share, compared to $27.3 million, or $1.51 per basic share, earned during the fourth quarter 2025 and $22.0 million, or $1.22 per basic share, earned during the first quarter 2025. Total revenue for the quarter was $0.5 million below prior quarter but $8.0 million above prior year same quarter. Net interest income for the quarter increased $0.7 million compared to prior quarter and $7.5 million compared to prior year same quarter, and noninterest income decreased $1.2 million compared to prior quarter but increased $0.5 million compared to prior year same quarter. Our provision for credit losses for the quarter decreased $0.6 million from prior quarter and $1.3 million from prior year same quarter. Noninterest expense increased $0.1 million compared to prior quarter and $2.3 million compared to prior year same quarter.<\/p>\n 1st<\/sup> Quarter 2026 Highlights<\/b><\/p>\n\n- \nNet interest income for the quarter of $58.8 million was $0.7 million, or 1.1%, above prior quarter and $7.5 million, or 14.7%, above prior year same quarter, as our net interest margin increased 12 basis points from prior quarter and 22 basis points from prior year same quarter.<\/p>\n<\/li>\n<\/ul>\n
\n- \nProvision for credit losses at $2.3 million for the quarter decreased $0.6 million from prior quarter and $1.3 million from prior year same quarter.<\/p>\n<\/li>\n<\/ul>\n
\n- \nNoninterest income for the quarter of $15.4 million was $1.2 million, or 7.2%, below prior quarter but $0.5 million, or 3.5%, above prior year same quarter.<\/p>\n<\/li>\n<\/ul>\n
\n- \nNoninterest expense for the quarter of $36.5 million was $0.1 million, or 0.2%, above prior quarter and $2.3 million, or 6.8%, above prior year same quarter.<\/p>\n<\/li>\n<\/ul>\n
\n- \nOur loan portfolio at $5.0 billion increased $95.9 million, an annualized 7.9%, for the quarter and $354.3 million, or 7.6%, from March 31, 2025.<\/p>\n<\/li>\n<\/ul>\n
\n- \nWe had net loan charge-offs of $1.3 million, an annualized 0.11% of average loans, for the quarter compared to $1.8 million, an annualized 0.14% of average loans, for prior quarter and $1.6 million, an annualized 0.14% of average loans, for the first quarter 2025.<\/p>\n<\/li>\n<\/ul>\n
\n- \nOur total nonperforming loans at $20.7 million at March 31, 2026 increased $1.6 million for the quarter but decreased $5.8 million from March 31, 2025. Nonperforming assets at $24.1 million increased $1.9 million for the quarter but decreased $7.2 million from March 31, 2025.<\/p>\n<\/li>\n<\/ul>\n
\n- \nDeposits, including repurchase agreements, at $5.7 billion increased $35.1 million, an annualized 2.5%, for the quarter and $375.1 million, or 7.0%, from March 31, 2025.<\/p>\n<\/li>\n<\/ul>\n
\n- \nShareholders\u2019 equity at $871.2 million increased $15.2 million, an annualized 7.2%, for the quarter and $87.1 million, or 11.1%, from March 31, 2025.<\/p>\n<\/li>\n<\/ul>\n
Net Interest Income<\/b><\/p>\n\n\n | \n | \n | \n | \n\n Percent Change<\/b><\/p>\n<\/td>\n<\/tr>\n\n | \n | \n | \n | \n\n 1Q 2026 Compared to:<\/b><\/p>\n<\/td>\n<\/tr>\n\n| \n ($ in thousands)<\/i><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2026<\/b><\/p>\n<\/td>\n | \n 4Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 4Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n<\/tr>\n\n| \n \nComponents of net interest income<\/p>\n<\/td>\n | | \n | \n | \n | \n | <\/tr>\n \n| \n \nIncome on earning assets<\/p>\n<\/td>\n | \n \n$87,755<\/p>\n<\/td>\n | \n \n$89,532<\/p>\n<\/td>\n | \n \n$82,054<\/p>\n<\/td>\n | \n \n(2.0)%<\/p>\n<\/td>\n | \n \n6.9%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nExpense on interest bearing liabilities<\/p>\n<\/td>\n | \n \n28,973<\/p>\n<\/td>\n | \n \n31,415<\/p>\n<\/td>\n | \n \n30,787<\/p>\n<\/td>\n | \n \n(7.8)%<\/p>\n<\/td>\n | \n \n(5.9)%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nNet interest income<\/p>\n<\/td>\n | \n \n58,782<\/p>\n<\/td>\n | \n \n58,117<\/p>\n<\/td>\n | \n \n51,267<\/p>\n<\/td>\n | \n \n1.1%<\/p>\n<\/td>\n | \n \n14.7%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nTEQ<\/p>\n<\/td>\n | \n \n317<\/p>\n<\/td>\n | \n \n323<\/p>\n<\/td>\n | \n \n273<\/p>\n<\/td>\n | \n \n(1.9)%<\/p>\n<\/td>\n | \n \n16.3%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nNet interest income, tax equivalent (non-GAAP)<\/p>\n<\/td>\n | \n \n$59,099<\/p>\n<\/td>\n | \n \n$58,440<\/p>\n<\/td>\n | \n \n$51,540<\/p>\n<\/td>\n | \n \n1.1%<\/p>\n<\/td>\n | \n \n14.7%<\/p>\n<\/td>\n<\/tr>\n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nAverage yield and rates paid:<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nEarning assets yield<\/p>\n<\/td>\n | \n \n5.65%<\/p>\n<\/td>\n | \n \n5.64%<\/p>\n<\/td>\n | \n \n5.71%<\/p>\n<\/td>\n | \n \n0.0%<\/p>\n<\/td>\n | \n \n(1.1)%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nRate paid on interest bearing liabilities<\/p>\n<\/td>\n | \n \n2.61%<\/p>\n<\/td>\n | \n \n2.78%<\/p>\n<\/td>\n | \n \n3.02%<\/p>\n<\/td>\n | \n \n(5.9)%<\/p>\n<\/td>\n | \n \n(13.3)%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nGross interest margin<\/p>\n<\/td>\n | \n \n3.04%<\/p>\n<\/td>\n | \n \n2.86%<\/p>\n<\/td>\n | \n \n2.69%<\/p>\n<\/td>\n | \n \n5.8%<\/p>\n<\/td>\n | \n \n12.5%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nNet interest margin<\/p>\n<\/td>\n | \n \n3.79%<\/p>\n<\/td>\n | \n \n3.67%<\/p>\n<\/td>\n | \n \n3.57%<\/p>\n<\/td>\n | \n \n3.3%<\/p>\n<\/td>\n | \n \n6.0%<\/p>\n<\/td>\n<\/tr>\n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nAverage balances:<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nInvestment securities<\/p>\n<\/td>\n | \n \n$1,113,988<\/p>\n<\/td>\n | \n \n$1,076,245<\/p>\n<\/td>\n | \n \n$1,045,953<\/p>\n<\/td>\n | \n \n3.5%<\/p>\n<\/td>\n | \n \n6.5%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nLoans<\/p>\n<\/td>\n | \n \n4,934,257<\/p>\n<\/td>\n | \n \n4,821,223<\/p>\n<\/td>\n | \n \n4,533,091<\/p>\n<\/td>\n | \n \n2.3%<\/p>\n<\/td>\n | \n \n8.8%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nEarning assets<\/p>\n<\/td>\n | \n \n6,327,329<\/p>\n<\/td>\n | \n \n6,321,901<\/p>\n<\/td>\n | \n \n5,848,092<\/p>\n<\/td>\n | \n \n0.1%<\/p>\n<\/td>\n | \n \n8.2%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nInterest-bearing liabilities<\/p>\n<\/td>\n | \n \n4,494,829<\/p>\n<\/td>\n | \n \n4,485,186<\/p>\n<\/td>\n | \n \n4,138,451<\/p>\n<\/td>\n | \n \n0.2%<\/p>\n<\/td>\n | \n \n8.6%<\/p>\n<\/td>\n<\/tr>\n<\/table>\n \nNet interest income for the quarter of $58.8 million was $0.7 million, or 1.1%, above prior quarter and $7.5 million, or 14.7%, above prior year same quarter, as our net interest margin, on a fully tax equivalent basis, increased 12 basis points from prior quarter and 22 basis points from prior year same quarter. Our quarterly average earning assets increased $5.4 million, an annualized 0.3%, from prior quarter and $479.2 million, or 8.2%, from prior year same quarter. Our yield on average earning assets increased 1 basis point from prior quarter but decreased 6 basis points from prior year same quarter, while our cost of funds decreased 17 basis points from prior quarter and 41 basis points from prior year same quarter.<\/p>\n \nOur ratio of average loans to deposits, including repurchase agreements, was 87.2% for the quarter compared to 84.9% for prior quarter and 85.9% for same quarter prior year.<\/p>\n Noninterest Income<\/b><\/p>\n\n\n | \n | \n\n Percent Change<\/b><\/p>\n<\/td>\n<\/tr>\n\n | \n | \n\n 1Q 2026 Compared to:<\/b><\/p>\n<\/td>\n<\/tr>\n\n| \n ($ in thousands)<\/i><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2026<\/b><\/p>\n<\/td>\n | \n 4Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 4Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n<\/tr>\n\n| \n \nDeposit related fees<\/p>\n<\/td>\n | \n \n$7,155<\/p>\n<\/td>\n | \n \n$7,537<\/p>\n<\/td>\n | \n \n$6,822<\/p>\n<\/td>\n | \n \n(5.1)%<\/p>\n<\/td>\n | \n \n4.9%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nTrust and wealth management income<\/p>\n<\/td>\n | \n \n4,462<\/p>\n<\/td>\n | \n \n4,422<\/p>\n<\/td>\n | \n \n3,981<\/p>\n<\/td>\n | \n \n0.9%<\/p>\n<\/td>\n | \n \n12.1%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nGains on sales of loans<\/p>\n<\/td>\n | \n \n51<\/p>\n<\/td>\n | \n \n107<\/p>\n<\/td>\n | \n \n47<\/p>\n<\/td>\n | \n \n(52.4)%<\/p>\n<\/td>\n | \n \n8.4%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nLoan related fees<\/p>\n<\/td>\n | \n \n1,039<\/p>\n<\/td>\n | \n \n932<\/p>\n<\/td>\n | \n \n965<\/p>\n<\/td>\n | \n \n11.5%<\/p>\n<\/td>\n | \n \n7.7%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nBank owned life insurance revenue<\/p>\n<\/td>\n | \n \n1,714<\/p>\n<\/td>\n | \n \n1,179<\/p>\n<\/td>\n | \n \n1,035<\/p>\n<\/td>\n | \n \n45.4%<\/p>\n<\/td>\n | \n \n65.6%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nBrokerage revenue<\/p>\n<\/td>\n | \n \n520<\/p>\n<\/td>\n | \n \n522<\/p>\n<\/td>\n | \n \n494<\/p>\n<\/td>\n | \n \n(0.5)%<\/p>\n<\/td>\n | \n \n5.2%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nOther<\/p>\n<\/td>\n | \n \n473<\/p>\n<\/td>\n | \n \n1,904<\/p>\n<\/td>\n | \n \n1,553<\/p>\n<\/td>\n | \n \n(75.2)%<\/p>\n<\/td>\n | \n \n(69.6)%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nTotal noninterest income<\/p>\n<\/td>\n | \n \n$15,414<\/p>\n<\/td>\n | \n \n$16,603<\/p>\n<\/td>\n | \n \n$14,897<\/p>\n<\/td>\n | \n \n(7.2)%<\/p>\n<\/td>\n | \n \n3.5%<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n<\/table>\n \nNoninterest income for the quarter of $15.4 million was $1.2 million, or 7.2%, below prior quarter but $0.5 million, or 3.5%, above prior year same quarter. The variance quarter over quarter was primarily the result of decreases in net securities gains ($0.7 million), net gains on the sale of fixed assets ($0.5 million), deposit related fees ($0.4 million), partially offset by an increase in bank owned life insurance revenue ($0.5 million). The decrease in net gains on the sale of fixed assets is the result of a $0.5 million gain taken in the fourth quarter 2025 from the sale of one of our branch locations. Year over year increases for the quarter in bank owned life insurance revenue ($0.7 million), trust and wealth management income ($0.5 million), and deposit related fees ($0.3 million) were partially offset by a $1.0 million decrease in securities gains. The variances in securities gains resulted primarily from changes in the valuation of our equity securities.<\/p>\n Noninterest Expense<\/b><\/p>\n\n\n | \n | \n | \n | \n\n Percent Change<\/b><\/p>\n<\/td>\n<\/tr>\n\n | \n | \n | \n | \n\n 1Q 2026 Compared to:<\/b><\/p>\n<\/td>\n<\/tr>\n\n| \n ($ in thousands)<\/i><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2026<\/b><\/p>\n<\/td>\n | \n 4Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 4Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n<\/tr>\n\n| \n \nSalaries<\/p>\n<\/td>\n | \n \n$13,629<\/p>\n<\/td>\n | \n \n$13,981<\/p>\n<\/td>\n | \n \n$13,269<\/p>\n<\/td>\n | \n \n(2.5)%<\/p>\n<\/td>\n | \n \n2.7%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nEmployee benefits<\/p>\n<\/td>\n | \n \n8,476<\/p>\n<\/td>\n | \n \n7,952<\/p>\n<\/td>\n | \n \n6,849<\/p>\n<\/td>\n | \n \n6.6%<\/p>\n<\/td>\n | \n \n23.8%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nNet occupancy and equipment<\/p>\n<\/td>\n | \n \n3,699<\/p>\n<\/td>\n | \n \n3,373<\/p>\n<\/td>\n | \n \n3,440<\/p>\n<\/td>\n | \n \n9.7%<\/p>\n<\/td>\n | \n \n7.5%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nData processing<\/p>\n<\/td>\n | \n \n2,955<\/p>\n<\/td>\n | \n \n2,877<\/p>\n<\/td>\n | \n \n2,859<\/p>\n<\/td>\n | \n \n2.7%<\/p>\n<\/td>\n | \n \n3.4%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nLegal and professional fees<\/p>\n<\/td>\n | \n \n1,164<\/p>\n<\/td>\n | \n \n1,019<\/p>\n<\/td>\n | \n \n1,225<\/p>\n<\/td>\n | \n \n14.2%<\/p>\n<\/td>\n | \n \n(5.0)%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nAdvertising and marketing<\/p>\n<\/td>\n | \n \n700<\/p>\n<\/td>\n | \n \n776<\/p>\n<\/td>\n | \n \n673<\/p>\n<\/td>\n | \n \n(9.8)%<\/p>\n<\/td>\n | \n \n4.0%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nTaxes other than property and payroll<\/p>\n<\/td>\n | \n \n617<\/p>\n<\/td>\n | \n \n687<\/p>\n<\/td>\n | \n \n529<\/p>\n<\/td>\n | \n \n(10.2)%<\/p>\n<\/td>\n | \n \n16.6%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nOther<\/p>\n<\/td>\n | \n \n5,297<\/p>\n<\/td>\n | \n \n5,787<\/p>\n<\/td>\n | \n \n5,364<\/p>\n<\/td>\n | \n \n(8.5)%<\/p>\n<\/td>\n | \n \n(1.2)%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nTotal noninterest expense<\/p>\n<\/td>\n | \n \n$36,537<\/p>\n<\/td>\n | \n \n$36,452<\/p>\n<\/td>\n | \n \n$34,208<\/p>\n<\/td>\n | \n \n0.2%<\/p>\n<\/td>\n | \n \n6.8%<\/p>\n<\/td>\n<\/tr>\n<\/table>\n \nNoninterest expense for the quarter of $36.5 million was $0.1 million, or 0.2%, above prior quarter and $2.3 million, or 6.8%, above prior year same quarter. Quarter over quarter increases in occupancy and equipment expense ($0.3 million) and repossession expense ($0.4 million) were partially offset by decreases in contribution expense ($0.4 million) and operating losses ($0.2 million). The decrease in contribution expense resulted from the $0.4 million expense associated with the donation of one of our branch locations in the fourth quarter 2025. The year over year increase for the quarter primarily resulted from an increase in salaries ($0.4 million) and other employee benefits, including bonuses ($0.5 million), and the cost of group medical and life insurance expense ($1.3 million).<\/p>\n Provision for Credit Losses<\/b><\/p>\n \nOur provision for credit losses at $2.3 million for the quarter decreased $0.6 million from prior quarter and $1.3 million from prior year same quarter. Of the provision for the quarter, $2.5 million was attributable to the allowance for credit losses, with an expense recovery of $0.2 million recognized in the provision for unfunded commitments.<\/p>\n Balance Sheet Review<\/b><\/p>\n Total Loans<\/b><\/p>\n\n\n | \n | \n | \n | \n\n Percent Change<\/b><\/p>\n<\/td>\n<\/tr>\n\n | \n | \n | \n | \n\n 1Q 2026 Compared to:<\/b><\/p>\n<\/td>\n<\/tr>\n\n| \n ($ in thousands)<\/i><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2026<\/b><\/p>\n<\/td>\n | \n 4Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 4Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n<\/tr>\n\n| \n \nCommercial nonresidential real estate<\/p>\n<\/td>\n | \n \n$994,914<\/p>\n<\/td>\n | \n \n$959,915<\/p>\n<\/td>\n | \n \n$913,238<\/p>\n<\/td>\n | \n \n3.6%<\/p>\n<\/td>\n | \n \n8.9%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nCommercial residential real estate<\/p>\n<\/td>\n | \n \n596,948<\/p>\n<\/td>\n | \n \n580,652<\/p>\n<\/td>\n | \n \n535,427<\/p>\n<\/td>\n | \n \n2.8%<\/p>\n<\/td>\n | \n \n11.5%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nHotel\/motel<\/p>\n<\/td>\n | \n \n507,243<\/p>\n<\/td>\n | \n \n497,764<\/p>\n<\/td>\n | \n \n475,582<\/p>\n<\/td>\n | \n \n1.9%<\/p>\n<\/td>\n | \n \n6.7%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nOther commercial<\/p>\n<\/td>\n | \n \n440,980<\/p>\n<\/td>\n | \n \n454,944<\/p>\n<\/td>\n | \n \n433,379<\/p>\n<\/td>\n | \n \n(3.1)%<\/p>\n<\/td>\n | \n \n1.8%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nTotal commercial<\/p>\n<\/td>\n | \n \n2,540,085<\/p>\n<\/td>\n | \n \n2,493,275<\/p>\n<\/td>\n | \n \n2,357,626<\/p>\n<\/td>\n | \n \n1.9%<\/p>\n<\/td>\n | \n \n7.7%<\/p>\n<\/td>\n<\/tr>\n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | | \n | \n | \n | <\/tr>\n \n| \n \nResidential mortgage<\/p>\n<\/td>\n | \n \n1,245,759<\/p>\n<\/td>\n | \n \n1,206,820<\/p>\n<\/td>\n | \n \n1,066,973<\/p>\n<\/td>\n | \n \n3.2%<\/p>\n<\/td>\n | \n \n16.8%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nHome equity loans\/lines<\/p>\n<\/td>\n | \n \n191,178<\/p>\n<\/td>\n | \n \n186,798<\/p>\n<\/td>\n | \n \n172,688<\/p>\n<\/td>\n | \n \n2.3%<\/p>\n<\/td>\n | \n \n10.7%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nTotal residential<\/p>\n<\/td>\n | \n \n1,436,937<\/p>\n<\/td>\n | \n \n1,393,618<\/p>\n<\/td>\n | \n \n1,239,661<\/p>\n<\/td>\n | \n \n3.1%<\/p>\n<\/td>\n | \n \n15.9%<\/p>\n<\/td>\n<\/tr>\n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | | \n | \n | \n | <\/tr>\n \n| \n \nConsumer indirect<\/p>\n<\/td>\n | \n \n873,980<\/p>\n<\/td>\n | \n \n862,458<\/p>\n<\/td>\n | \n \n888,635<\/p>\n<\/td>\n | \n \n1.3%<\/p>\n<\/td>\n | \n \n(1.6)%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nConsumer direct<\/p>\n<\/td>\n | \n \n139,819<\/p>\n<\/td>\n | \n \n145,591<\/p>\n<\/td>\n | \n \n150,614<\/p>\n<\/td>\n | \n \n(4.0)%<\/p>\n<\/td>\n | \n \n(7.2)%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nTotal consumer<\/p>\n<\/td>\n | \n \n1,013,799<\/p>\n<\/td>\n | \n \n1,008,049<\/p>\n<\/td>\n | \n \n1,039,249<\/p>\n<\/td>\n | \n \n0.6%<\/p>\n<\/td>\n | \n \n(2.4)%<\/p>\n<\/td>\n<\/tr>\n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | | \n | \n | \n | <\/tr>\n \n| \n \nTotal loans<\/p>\n<\/td>\n | \n \n$4,990,821<\/p>\n<\/td>\n | \n \n$4,894,942<\/p>\n<\/td>\n | \n \n$4,636,536<\/p>\n<\/td>\n | \n \n2.0%<\/p>\n<\/td>\n | \n \n7.6%<\/p>\n<\/td>\n<\/tr>\n<\/table>\n Total Deposits and Repurchase Agreements<\/b><\/p>\n\n\n | \n | \n\u00a0<\/td>\n | | \n\n Percent Change<\/b><\/p>\n<\/td>\n<\/tr>\n\n | \n | \n\u00a0<\/td>\n | | \n\n 1Q 2026 Compared to:<\/b><\/p>\n<\/td>\n<\/tr>\n\n| \n ($ in thousands)<\/i><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2026<\/b><\/p>\n<\/td>\n | \u00a0<\/p>\n 4Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 4Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n | \n 1Q<\/b><\/p>\n 2025<\/b><\/p>\n<\/td>\n<\/tr>\n\n| \n \nNoninterest bearing deposits<\/p>\n<\/td>\n | \n \n$1,262,835<\/p>\n<\/td>\n | \n \n$1,263,243<\/p>\n<\/td>\n | \n \n$1,235,544<\/p>\n<\/td>\n | \n \n0.0%<\/p>\n<\/td>\n | \n \n2.2%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nInterest bearing deposits<\/p>\n<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nInterest checking<\/p>\n<\/td>\n | \n \n190,769<\/p>\n<\/td>\n | \n \n195,458<\/p>\n<\/td>\n | \n \n158,968<\/p>\n<\/td>\n | \n \n(2.4)%<\/p>\n<\/td>\n | \n \n20.0%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nMoney market savings<\/p>\n<\/td>\n | \n \n1,917,509<\/p>\n<\/td>\n | \n \n1,877,815<\/p>\n<\/td>\n | \n \n1,828,051<\/p>\n<\/td>\n | \n \n2.1%<\/p>\n<\/td>\n | \n \n4.9%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nSavings accounts<\/p>\n<\/td>\n | \n \n508,553<\/p>\n<\/td>\n | \n \n499,276<\/p>\n<\/td>\n | \n \n516,379<\/p>\n<\/td>\n | \n \n1.9%<\/p>\n<\/td>\n | \n \n(1.5)%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nTime deposits<\/p>\n<\/td>\n | \n \n1,554,554<\/p>\n<\/td>\n | \n \n1,553,266<\/p>\n<\/td>\n | \n \n1,372,363<\/p>\n<\/td>\n | \n \n0.1%<\/p>\n<\/td>\n | \n \n13.3%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nRepurchase agreements<\/p>\n<\/td>\n | \n \n298,721<\/p>\n<\/td>\n | \n \n308,799<\/p>\n<\/td>\n | \n \n246,556<\/p>\n<\/td>\n | \n \n(3.3)%<\/p>\n<\/td>\n | \n \n21.2%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nTotal interest bearing deposits and repurchase agreements<\/p>\n<\/td>\n | \n \n4,470,106<\/p>\n<\/td>\n | \n \n4,434,614<\/p>\n<\/td>\n | \n \n4,122,317<\/p>\n<\/td>\n | \n \n0.8%<\/p>\n<\/td>\n | \n \n8.4%<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nTotal deposits and repurchase agreements<\/p>\n<\/td>\n | \n \n$5,732,941<\/p>\n<\/td>\n | \n \n$5,697,857<\/p>\n<\/td>\n | \n \n$5,357,861<\/p>\n<\/td>\n | \n \n0.6%<\/p>\n<\/td>\n | \n \n7.0%<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n<\/table>\n \nCTBI\u2019s total assets at $6.7 billion increased $57.0 million, or 3.5% annualized, for the quarter and $464.6 million, or 7.4%, from March 31, 2025. Loans outstanding at $5.0 billion increased $95.9 million, an annualized 7.9%, for the quarter and $354.3 million, or 7.6%, from March 31, 2025. The increase in loans for the quarter included a $46.8 million increase in the commercial loan portfolio, a $43.3 million increase in the residential loan portfolio, and an $11.5 million increase in the consumer indirect loan portfolio, partially offset by a $5.7 million decrease in the consumer direct loan portfolio. CTBI\u2019s investment portfolio at $1.1 billion decreased $33.0 million, an annualized 11.9%, for the quarter as management allocated investment maturities into the loan portfolio but increased $79.1 million, or 7.8%, from March 31, 2025. Deposits in other banks decreased $33.8 million for the quarter and $5.1 million from March 31, 2025. Deposits, including repurchase agreements, at $5.7 billion increased $35.1 million, an annualized 2.5%, for the quarter and $375.1 million, or 7.0%, from March 31, 2025. CTBI is not dependent on any one customer or group of customers for their source of deposits. As of March 31, 2026, two customers accounted for over 3% each (3.7% and 3.2%) of our $5.4 billion in deposits. Only these two customer relationships accounted for more than 1% each of our deposits.<\/p>\n \nShareholders\u2019 equity at $871.2 million increased $15.2 million, an annualized 7.2%, for the quarter and $87.1 million, or 11.1%, from March 31, 2025. Net unrealized losses on securities, net of deferred taxes, were $68.0 million at March 31, 2026, compared to $64.8 million at December 31, 2025 and $86.1 million at March 31, 2025. CTBI\u2019s annualized dividend yield to shareholders as of March 31, 2026 was 3.49%.<\/p>\n Asset Quality<\/b><\/p>\n \nOur total nonperforming loans at $20.7 million at March 31, 2026 increased $1.6 million for the quarter but decreased $5.8 million from March 31, 2025. Nonaccrual loans at $11.1 million increased $2.6 million from prior quarter but decreased $4.6 million from March 31, 2025. Accruing loans 90+ days past due at $9.6 million decreased $1.0 million from prior quarter and $1.2 million from March 31, 2025. Accruing loans 30-89 days past due at $24.8 million increased $4.6 million from prior quarter and $10.3 million from March 31, 2025. Our loan portfolio management processes focus on the immediate identification, management, and resolution of problem loans to maximize recovery and minimize loss.<\/p>\n \nWe had net loan charge-offs of $1.3 million, an annualized 0.11% of average loans, for the quarter compared to $1.8 million, an annualized 0.14% of average loans, for prior quarter and $1.6 million, an annualized 0.14% of average loans, for the first quarter 2025. Of the net charge-offs for the quarter, $0.5 million were in commercial loans, $0.2 million were in residential loans, $0.5 million were in consumer indirect loans, and $0.1 million were in consumer direct loans.<\/p>\n Allowance for Credit Losses<\/b><\/p>\n \nOur reserve coverage (allowance for credit losses to nonperforming loans) at March 31, 2026 was 295.8% compared to 314.0% at December 31, 2025 and 214.7% at March 31, 2025. Our loan loss reserve as a percentage of total loans outstanding at March 31, 2026 remained at 1.23% from December 31, 2025 and March 31, 2025. The table below shows the changes in components of the allowance for credit losses during the first quarter 2026:<\/p>\n \n\n| \n \nBeginning balance<\/p>\n<\/td>\n | \n \n$60,169<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nNew loan volume<\/p>\n<\/td>\n | \n \n4,608<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nChanges in existing loan balances<\/p>\n<\/td>\n | \n \n(658)<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nLoan exiting<\/p>\n<\/td>\n | \n \n(2,767)<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nHistorical loss rate<\/p>\n<\/td>\n | \n \n(124)<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nQualitative factors<\/p>\n<\/td>\n | \n \n188<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nOther changes<\/p>\n<\/td>\n | \n \n(95)<\/p>\n<\/td>\n<\/tr>\n | \n| \n \nEnding balance<\/p>\n<\/td>\n | \n \n$61,321<\/p>\n<\/td>\n<\/tr>\n<\/table>\n Forward-Looking Statements<\/b><\/p>\n \nCertain of the statements contained herein that are not historical facts are forward-looking statements within the meaning of the Private Securities Litigation Reform Act. CTBI\u2019s actual results may differ materially from those included in the forward-looking statements. Forward-looking statements are typically identified by words or phrases such as \u201cbelieve,\u201d \u201cexpect,\u201d \u201canticipate,\u201d \u201cintend,\u201d \u201cestimate,\u201d \u201cmay increase,\u201d \u201cmay fluctuate,\u201d and similar expressions or future or conditional verbs such as \u201cwill,\u201d \u201cshould,\u201d \u201cwould,\u201d and \u201ccould.\u201d These forward-looking statements involve risks and uncertainties including, but not limited to, economic conditions, portfolio growth, the credit performance of the portfolios, including bankruptcies, and seasonal factors; changes in general economic conditions including the performance of financial markets, prevailing inflation and interest rates, realized gains from sales of investments, gains from asset sales, and losses on commercial lending activities; the effects of epidemics, pandemics, or other infectious disease outbreaks; results of various investment activities; the effects of competitors\u2019 pricing policies, changes in laws and regulations, competition, and demographic changes on target market populations\u2019 savings and financial planning needs; industry changes in information technology systems on which we are highly dependent; failure of acquisitions to produce revenue enhancements or cost savings at levels or within the time frames originally anticipated or unforeseen integration difficulties; the resolution of legal proceedings and related matters. In addition, the banking industry in general is subject to various monetary, operational, and fiscal policies and regulations, which include, but are not limited to, those determined by the Federal Reserve Board, the Federal Deposit Insurance Corporation, the Consumer Financial Protection Bureau, and state regulators, whose policies, regulations, and enforcement actions could affect CTBI\u2019s results. These statements are representative only on the date hereof, and CTBI undertakes no obligation to update any forward-looking statements made.<\/p>\n \nCommunity Trust Bancorp, Inc., with assets of $6.7 billion, is headquartered in Pikeville, Kentucky and has 69 banking locations across eastern, northeastern, central, and south central Kentucky, six banking locations in southern West Virginia, three banking locations in northeastern Tennessee, four trust offices across Kentucky, and one trust office in Tennessee.<\/p>\n \nAdditional information follows.<\/p>\n \n\nCommunity Trust Bancorp, Inc.<\/b><\/td>\n<\/tr>\n\nFinancial Summary (Unaudited)<\/b><\/td>\n<\/tr>\n\nMarch 31, 2026<\/b><\/td>\n<\/tr>\n\n| (in thousands except per share data and # of employees)<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \n | \n | \n | \nThree<\/td>\n | | \nThree<\/td>\n | | \nThree<\/td>\n<\/tr>\n | \n | \n | \n | \n | \nMonths<\/td>\n | | \nMonths<\/td>\n | | \nMonths<\/td>\n<\/tr>\n | \n | \n | \n | \n | \nEnded<\/td>\n | | \nEnded<\/td>\n | | \nEnded<\/td>\n<\/tr>\n | \n | \n | \n | \n | \nMarch 31, 2026<\/td>\n | | \nDecember 31, 2025<\/td>\n | | \nMarch 31, 2025<\/td>\n<\/tr>\n | \n| Interest income<\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n87,755<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n89,532<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n82,054<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Interest expense<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n28,973<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n31,415<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n30,787<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Net interest income<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n58,782<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n58,117<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n51,267<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Provision for credit losses<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,311<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,908<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,568<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Gains on sales of loans<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n51<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n107<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n47<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Deposit related fees<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n7,155<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n7,537<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n6,822<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Trust and wealth management income<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,462<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,422<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,981<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Loan related fees<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,039<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n932<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n965<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Securities gains (losses)<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(488<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n194<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n480<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Other noninterest income<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,195<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,411<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,602<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Total noninterest income<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n15,414<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n16,603<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n14,897<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Personnel expense<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n22,105<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n21,933<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n20,118<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Occupancy and equipment<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,699<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,373<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,440<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Data processing expense<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,955<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,877<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,859<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| FDIC insurance<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n744<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n745<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n689<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Other noninterest expense<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n7,034<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n7,524<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n7,102<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Total noninterest expense<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n36,537<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n36,452<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n34,208<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Net income before taxes<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n35,348<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n35,360<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n28,388<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Income taxes<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n8,156<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n8,084<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n6,416<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Net income<\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n27,192<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n27,276<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n21,972<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Memo: TEQ interest income<\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n88,072<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n89,855<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n82,327<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Average shares outstanding<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,049<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,025<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n17,995<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Diluted average shares outstanding<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,080<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,064<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,022<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Basic earnings per share<\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n1.51<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n1.51<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n1.22<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Diluted earnings per share<\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n1.50<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n1.51<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n1.22<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Dividends per share<\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n0.53<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n0.53<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n0.47<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Average balances:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Loans<\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n4,934,257<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n4,821,223<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n4,533,091<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Earning assets<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n6,327,329<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n6,321,901<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5,848,092<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Total assets<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n6,669,401<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n6,657,596<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n6,176,389<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Deposits, including repurchase agreements<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5,661,967<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5,677,448<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5,276,893<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Interest bearing liabilities<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,494,829<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,485,186<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,138,451<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Shareholders’ equity<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n873,726<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n851,231<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n774,907<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Performance ratios:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Return on average assets<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1.65<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1.63<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1.44<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n| Return on average equity<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n12.62<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n12.71<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n11.50<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n| Yield on average earning assets (tax equivalent)<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5.65<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5.64<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5.71<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n| Cost of interest bearing funds (tax equivalent)<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2.61<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2.78<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3.02<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n| Net interest margin (tax equivalent)<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3.79<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3.67<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3.57<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n| Efficiency ratio (tax equivalent)<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n48.72<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n48.70<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n51.86<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Loan charge-offs<\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n2,686<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n3,022<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n2,722<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Recoveries<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(1,368<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(1,267<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(1,147<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n| Net charge-offs<\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n1,318<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n1,755<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n1,575<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Market Price:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| High<\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n65.79<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n61.55<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n56.96<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Low<\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n56.05<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n50.25<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n48.82<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Close<\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n60.72<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n56.50<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n50.36<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n | \n | \n | \n | \nAs of<\/td>\n | | \nAs of<\/td>\n | | \nAs of<\/td>\n<\/tr>\n | \n | \n | \n | \n | \nMarch 31, 2026<\/td>\n | | \nDecember 31, 2025<\/td>\n | | \nMarch 31, 2025<\/td>\n<\/tr>\n | \n| Assets:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Loans<\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n4,990,821<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n4,894,942<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n4,636,536<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Allowance for credit losses<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(61,321<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(60,169<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n(56,961<\/p>\n<\/td>\n | \n \n)<\/p>\n<\/td>\n<\/tr>\n | \n| Net loans<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,929,500<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,834,773<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,579,575<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Loans held for sale<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n73<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n211<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n–<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Securities AFS<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,088,205<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,120,719<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,008,552<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Equity securities at fair value<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,666<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,154<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,261<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Other equity investments<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n10,087<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n10,087<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n9,773<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Other earning assets<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n269,178<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n302,928<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n274,229<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Cash and due from banks<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n91,572<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n62,851<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n68,532<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Premises and equipment<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n53,114<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n52,611<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n50,753<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Right of use asset<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n14,999<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n15,433<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n15,636<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Goodwill and core deposit intangible<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n65,490<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n65,490<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n65,490<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Other assets<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n215,284<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n214,881<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n199,717<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Total Assets<\/b><\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n6,741,168<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n6,684,138<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n6,276,518<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Liabilities and Equity:<\/b><\/td>\n | | \n | \n | \n | \n | \n | \n | \n | <\/tr>\n \n| Interest bearing checking<\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n190,769<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n195,458<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n158,968<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Savings deposits<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,426,062<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,377,091<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n2,344,430<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| CD’s >=$100,000<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n959,996<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n960,517<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n800,359<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Other time deposits<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n594,558<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n592,749<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n572,004<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Total interest bearing deposits<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,171,385<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,125,815<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,875,761<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Noninterest bearing deposits<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,262,835<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,263,243<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n1,235,544<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Total deposits<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5,434,220<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5,389,058<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5,111,305<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Repurchase agreements<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n298,721<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n308,799<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n246,556<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Other interest bearing liabilities<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n64,512<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n64,577<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n64,767<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Lease liability<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n15,995<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n16,417<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n16,461<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Other noninterest bearing liabilities<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n56,475<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n49,215<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n53,257<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Total liabilities<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5,869,923<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5,828,066<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n5,492,346<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Shareholders’ equity<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n871,245<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n856,072<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n784,172<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Total Liabilities and Equity<\/b><\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n6,741,168<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n6,684,138<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n6,276,518<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Ending shares outstanding<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,156<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,116<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n18,102<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| 30 – 89 days past due loans<\/td>\n | | \n | \n | \n\n \n$<\/p>\n<\/td>\n | \n \n24,800<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n20,182<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n$<\/p>\n<\/td>\n | \n \n14,537<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| 90 days past due loans<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n9,599<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n10,623<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n10,835<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Nonaccrual loans<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n11,132<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n8,539<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n15,692<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n| Foreclosed properties<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,348<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n3,066<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n4,795<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n | \n| Community bank leverage ratio<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n13.91<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n13.64<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n13.81<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n| Tangible equity to tangible assets ratio<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n12.07<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n11.94<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n11.57<\/p>\n<\/td>\n | \n \n%<\/p>\n<\/td>\n<\/tr>\n | \n| FTE employees<\/td>\n | | \n | \n | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n974<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n991<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n | | \n\n \n\u00a0<\/p>\n<\/td>\n | \n \n988<\/p>\n<\/td>\n | \n \n\u00a0<\/p>\n<\/td>\n<\/tr>\n | \n | \n | \n | \n | \n | \n | \n | \n | \n\u00a0<\/td>\n<\/tr>\n<\/table>\n \n\u00a0<\/p>\n ![\"\"](\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&sty=20260415109031r1&sid=flmnd&distro=nx&lang=en\") <\/p>\n
View source version on businesswire.com: <\/span>https:\/\/www.businesswire.com\/news\/home\/20260415109031\/en\/<\/a><\/span><\/p>\nFOR ADDITIONAL INFORMATION, PLEASE CONTACT MARK A. GOOCH, CHAIRMAN, PRESIDENT, AND CEO, COMMUNITY TRUST BANCORP, INC. AT (606) 437-3229<\/b><\/p>\n KEYWORDS:<\/b> Tennessee West Virginia Kentucky United States North America<\/p>\n INDUSTRY KEYWORDS:<\/b> Banking Personal Finance Professional Services Finance<\/p>\n MEDIA:<\/b><\/p>\n\n","protected":false},"excerpt":{"rendered":" Community Trust Bancorp, Inc. Reports Earnings for the 1st Quarter 2026 PIKEVILLE, Ky.–(BUSINESS WIRE)– Community Trust Bancorp, Inc. (NASDAQ:CTBI):\u00a0 Earnings Summary (in thousands except per share data) 1Q 2026 4Q 2025 1Q 2025 Net income $27,192 $27,276 $21,972 Earnings per share $1.51 $1.51 $1.22 Earnings per share \u2013 diluted $1.50 $1.51 $1.22 \u00a0 \u00a0 \u00a0 \u00a0 Return on average assets 1.65% 1.63% 1.44% Return on average equity 12.62% 12.71% 11.50% Efficiency ratio 48.72% 48.70% 51.86% Tangible common equity 12.07% 11.94% 11.57% \u00a0 \u00a0 \u00a0 \u00a0 Dividends declared per share $0.53 $0.53 $0.47 Book value per share $47.99 $47.26 $43.32 \u00a0 \u00a0 \u00a0 \u00a0 Weighted average shares 18,049 18,025 17,995 Weighted average shares \u2013 diluted 18,080 18,064 18,022 Community Trust Bancorp, … <\/p>\n Continue reading “Community Trust Bancorp, Inc. Reports Earnings for the 1st Quarter 2026”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-951610","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nCommunity Trust Bancorp, Inc. Reports Earnings for the 1st Quarter 2026 - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/community-trust-bancorp-inc-reports-earnings-for-the-1st-quarter-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Community Trust Bancorp, Inc. 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(NASDAQ:CTBI):\u00a0 Earnings Summary (in thousands except per share data) 1Q 2026 4Q 2025 1Q 2025 Net income $27,192 $27,276 $21,972 Earnings per share $1.51 $1.51 $1.22 Earnings per share \u2013 diluted $1.50 $1.51 $1.22 \u00a0 \u00a0 \u00a0 \u00a0 Return on average assets 1.65% 1.63% 1.44% Return on average equity 12.62% 12.71% 11.50% Efficiency ratio 48.72% 48.70% 51.86% Tangible common equity 12.07% 11.94% 11.57% \u00a0 \u00a0 \u00a0 \u00a0 Dividends declared per share $0.53 $0.53 $0.47 Book value per share $47.99 $47.26 $43.32 \u00a0 \u00a0 \u00a0 \u00a0 Weighted average shares 18,049 18,025 17,995 Weighted average shares \u2013 diluted 18,080 18,064 18,022 Community Trust Bancorp, … Continue reading \"Community Trust Bancorp, Inc. 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