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Community Trust Bancorp CTBI Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$23B+12.9%
Washington Trust Bancorp logo
Washington Trust BancorpWASH
$40.2M+9.9%
Community Financial System logo
Community Financial SystemCBU
$134.54M+11.5%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$25.19M+10.0%
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
$78.11M+27.4%
Customers Bancorp logo
Customers BancorpCUBI
$170.3M+9.2%

Segments

By segment

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Community Banking Services$58.9M+11.5%
Corporate-$832K+10.7%

Other financials

Income statement

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Revenue$78.5M+11.8%
Net income$29.6M+19.0%
EPS (diluted)$1.64+18.8%

Balance sheet

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Cash & equivalents$514.3M+30.1%
Total debt$16.0M-0.5%
Total equity$891.8M+10.5%
Total assets$7.0B+9.4%

Cash flow

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Operating cash flow$44.1M+177%
CapEx$1.0M-56.7%
Free cash flow$43.1M+217%

Valuation

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Market cap$1.42B+48.3%
Enterprise value$925.14M+59.4%
P/E13.2×+2.7×
P/S4.8×+1.1×

Profitability

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Net margin36.1%+1.6pp
FCF margin43.6%+4.7pp

Returns & leverage

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Return on equity12.7%+0.7pp
Debt / equity0.0×

Where this comes from

Reported directly by Community Trust Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Community Trust Bancorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 8:02 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031763
(in thousands except per share data)Three Months Ended / June 30 / 2026Three Months Ended / June 30 / 2025Six Months Ended / June 30 / 2026Six Months Ended / June 30 / 2025
Total interest expense30,34931,53159,32262,318
Net interest income60,88954,040119,671105,307
Provision for credit losses2,7712,0945,0825,662
Net interest income after provision for credit losses58,11851,946114,58999,645
Noninterest income:
Deposit related fees7,6577,35014,81214,172
Gains on sales of loans, net6177112124
Trust and wealth management income4,7244,0929,1868,073

Item 1. Condensed Consolidated Financial Statements

FAQ

What is Community Trust Bancorp's net interest income (after provisions)?
Community Trust Bancorp (CTBI) reported net interest income (after provisions) of $58.12M in Q2 2026.
How has Community Trust Bancorp's net interest income (after provisions) changed year-over-year?
Community Trust Bancorp's net interest income (after provisions) increased by 11.9% year-over-year, from $51.95M to $58.12M.
What is the long-term trend for Community Trust Bancorp's net interest income (after provisions)?
Over 4 years (2021 to 2025), Community Trust Bancorp's net interest income (after provisions) has grown at a 5.1% compound annual growth rate (CAGR), from $169.47M to $206.54M.
What does net interest income (after provisions) mean?
Calculated as net interest income minus the provision for credit losses, which accounts for expected future loan defaults. This metric provides a more accurate view of the bank's bottom-line interest-based earnings after adjusting for the inherent risk in the loan portfolio. It is a key indicator of the quality and sustainability of the bank's core earnings.

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