Form 8-K

8-K — COMMUNITY TRUST BANCORP INC /KY/

Accession: 0000350852-26-000041

Filed: 2026-04-28

Period: 2026-03-31

CIK: 0000350852

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — ctbi2026shrpres8k.htm (Primary)

EX-99.1 — CTBI 2026 SHAREHOLDERS' PRESENTATION 8-K EXHIBIT 99.1 (ctbi2026shrpres8kex99.htm)

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8-K — CTBI 2026 SHAREHOLDERS' PRESENTATION 8-K

8-K (Primary)

Filename: ctbi2026shrpres8k.htm · Sequence: 1

false000035085200003508522026-03-312026-03-31

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15 (d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)

March 31, 2026

Commission file number 001-31220

Community Trust Bancorp, Inc.

(Exact name of registrant as specified in its charter)

Kentucky

61-0979818

(State or other jurisdiction of incorporation or organization)

(IRS Employer Identification No.)

P.O. Box 2947

346 North Mayo Trail

Pikeville,

Kentucky

41502

(Address of principal executive offices)

(Zip code)

(606)

432-1414

(Registrant’s telephone number)

Securities registered pursuant to Section 12(b) of the Act:

Common Stock

(Title of class)

CTBI

The NASDAQ Global Select Market

(Trading symbol)

(Name of exchange on which registered)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the

registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Securities Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as deﬁned in Rule 405 of the Securities Act of

1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the

extended transition period for complying with any new or revised ﬁnancial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01 – Regulation FD Disclosure

On April 28, 2026, Community Trust Bancorp, Inc. (the “Company”) is holding its 2026 Annual Meeting of Shareholders. In

connection with this meeting, a presentation is being made by the Company’s Chairman, President, and Chief Executive Officer, Mark A. Gooch, that is accompanied by a series of slides. These slides include information relating to the Company’s 2025 and

first quarter 2026 financial results, as well as future performance goals. A copy of these slides is being furnished to the Securities and Exchange Commission pursuant to Item 7.01 – Regulation FD Disclosure of Form 8-K and is attached hereto as

Exhibit 99.1. The information in this Form 8-K and in Exhibit 99.1 attached hereto shall not be deemed filed for purposes of Section 18 of the Securities Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities

Act of 1933, except as shall be expressly set forth by specific reference.

Item 9.01 – Financial Statements and Exhibits

(d) Exhibits

The following exhibit is filed with this report:

99.1

2026 Shareholders’ Presentation

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused

this report to be signed on its behalf by the undersigned hereunto duly authorized.

COMMUNITY TRUST BANCORP, INC.

By:

Date:

April 28, 2026

/s/ Mark A. Gooch

Mark A. Gooch

Chairman, President, and Chief Executive Officer

EX-99.1 — CTBI 2026 SHAREHOLDERS' PRESENTATION 8-K EXHIBIT 99.1

EX-99.1

Filename: ctbi2026shrpres8kex99.htm · Sequence: 3

Exhibit 99.1

Directors CTBI Directors Mark A Gooch, Chairman Eugenia “Crit” Luallen, Vice

Chairman David L. Baird Ina Michelle Matthews James E. McGhee II Franky Minnifield Jefferson F. Sandlin Anthony St. Charles Chad C. Street Lillian “Kay” Webb 2 CTB Directors Mark A. Gooch, Chairman Ina Michelle Matthews James E.

McGhee II Richard W. Newsom Chad C. Street Jefferson F. Sandlin CTIC Directors Mark A. Gooch, Chairman E.B. Lowman II Eugenia “Crit” Luallen James E. McGhee II Jefferson F. Sandlin Anthony St. Charles Andy Waters

Executive Officers 3 Mark A. Gooch Chairman, President, and CEO Richard W.

Newsom CTB President Andy D. Waters CTIC President and CEO Kevin J. Stumbo EVP/Chief Financial Officer Tracy A. Wesley EVP/Chief Internal Audit and Risk Officer Mark E. Smith EVP/Chief Credit Officer Thomas E. McCoy EVP/Operations C.

Wayne Hancock EVP/Chief Legal Officer Billie J. Dollins EVP/Central Region President David I. Tackett EVP/Eastern Region President Ricky D. Sparkman EVP/South Central Region President D. Andrew Jones EVP/Northeastern Region President

Cautionary Statement Information provided herein by CTBI contains

“forward-looking” information. CTBI cautions that any forward-looking statements made are not guarantees of future performance and that actual results may differ materially from those in the forward-looking statements. Please refer to CTBI’s

2025 Annual Report on Form 10-K, Cautionary Statement Regarding Forward Looking Statements for additional information. 4

2025 Key Metrics Total Assets $6.7 billion Market Capitalization $1.0

billion Cash Dividend Yield 3.75% P/E Ratio 10.4x Price to Book Value 1.2x Price to Tangible Book Value 1.3x Tangible Common Equity Ratio 11.94% Competitive Position 3rd largest Kentucky domiciled bank holding company 2nd in Kentucky

in deposit market share of all Kentucky domiciled FDIC insured institutions 7th largest bank in Kentucky in terms of deposit market share of all FDIC insured institutions 5 Financial data as of December 31, 2025 Deposit market share as of

June 30, 2025

Our Banking Franchise Central Region Eastern Region Northeastern Region Loans -

$1.2 billion Loans - $1.0 billion Loans - $0.6 billion Deposits - $1.5 billion Deposits - $2.2 billion Deposits - $0.8 billion • Danville • Floyd/Knott/Johnson • Advantage Valley • Lexington • Hazard • Ashland • Mt. Sterling • Pikeville •

Flemingsburg • Richmond • Tug Valley • Summersville • Versailles • Whitesburg • Winchester South Central Region Indirect Lending Loans - $1.2 billion Loans - $0.9 billion Deposits - $1.2 billion CTIC • Campbellsville Assets Under

Management - $4.1 billion (including $1.1 billion CTB) • LaFollette Revenues - $23.5 million • Middlesboro • Mt. Vernon • Ashland • Williamsburg • LaFollette • Lexington • Pikeville • Versailles Financial data as of December

31, 2025 6

Trust Assets Under Management & Trust Revenue Includes CTB portfolio Assets

in billions Revenue in millions 7

2025 Performance

2025 Performance Summary Goals Results Earnings $88.0 - $91.6 million $98.1

million EPS $4.86 - $5.06 per share $5.44 per share ROAA 1.41% - 1.46% 1.53% ROAE 11.17% - 11.62% 12.07% Assets $6.19 - $6.57 billion $6.68 billion Loans $4.53 - $4.71 billion $4.89 billion Deposits $5.32 - $5.54 billion $5.70

billion Shareholders’ equity $797.8 - $830.3 million $856.1 million 9

Shareholder Value

Dividends Per Share 2025 cash dividends increased 7.5% Dividend payout ratio for

2025 was 36.8% Desired level between 40% and 50% December 31, 2025 cash dividend yield was 3.75% Cash dividend increased to $0.53 per share effective October 1, 2025 11

Shareholders’ Equity Shareholders’ equity has increased 22.6% during the past

five years 5.5% compound growth rate for the past five years (in millions) 12 5.5%

Book Value Per Share Tangible Common Equity/Assets 13

5 Year Cumulative Total ReturnComparison of CTBI, NASDAQ Stock Market (U.S.), and

NASDAQ Bank Stocks An investment in CTBI stock on December 31, 2020 would have underperformed the NASDAQ Stock Market (U.S.) and the NASDAQ Bank Stocks Index at December 31, 2025. 14

Comparison to Russell 2000 Indexof Small Cap Companies 3-, 5-, and 10-year total

returns annualized Return to Investors December 31, 2025 15

Core Value Long-Term Investment 12 stock splits and 10 stock dividends 45 years

of consecutive increases in cash dividends 5-year compound growth rate of cash dividends 5.5% Stock included in the NASDAQ Global Select Market, NASDAQ Dividend Achievers Index, and NASDAQ Bank Stock Index CTBI shareholders include 273

institutional investors (including CTIC – 10.9%) hold 11.8 million shares (62.7%) 316 mutual funds hold 5.5 million shares (30.5%) Data as of December 31, 2025 16

CTBI’s Franchise Value History of solid investor returns Historically strong

capital position Investor focused dividend policy Dividend Achievers Index Consistent financial performance Community banking strategy Economic diversity in the markets we serve Strong experienced management team and nearly 1,000

dedicated employees Our shareholders 17

Balance Sheet Review

Total Assets Total assets at 12/31/25 increased $490.9 million, or 7.9%, from

12/31/24 Loans increased $408.3 million or 9.1% Investment portfolio increased $65.4 million or 6.2% Deposits, including repurchase agreements, increased $387.5 million or 7.3% (in billions) 19

Total Loans Total loans at 12/31/25 increased 9.1% from 12/31/24 Loan and line

of credit production for the year totaled $1.1 billion (in billions) 20 Loan Portfolio Mix December 31, 2025 Loan Rate Mix December 31, 2025

Concentrations of Creditas a % of Total Loans December 31, 2025 21

Indirect Lending (in millions) 22

Net Charge-offsas a % of Average Loans Peer data obtained from the Federal

Reserve Bank Holding Company Performance Report as of 12/31/2025 for bank holding companies with consolidated assets of $3 billion to $10 billion. Nonperforming Loansas a % of Total Loans 23

Nonperforming Assetsas a % of Total Assets $3.1 million in other real estate

owned Loan Loss Reserve as a % of Net Loans Peer data obtained from the Federal Reserve Bank Holding Company Performance Report as of 12/31/2025 for bank holding companies with consolidated assets of $3 billion to $10 billion. 24

Total Depositsincluding Repurchase Agreements (in billions) December 31,

2025 25

Earnings Review

Earnings Per Share EPS increased 18.0% from 2024 to 2025 27

Return on Average Assets Peer data obtained from the Federal Reserve Bank Holding

Company Performance Report as of 12/31/2025 for bank holding companies with consolidated assets of $3 billion to $10 billion. 28

Net Income Net income increased 18.4% from 2024 to 2025 (in millions) 29

Revenues Revenues increased 13.7% from 2024 to 2025 (in millions) 30

Noninterest Incomeas a % of Total Revenue Noninterest income increased 1.7% from

2024 to 2025 Increases in trust revenue, insurance commissions, and net gains on the sale of fixed assets (in millions) 31

Net Interest Revenue Net interest revenue increased by 17.7% from 2024 to

2025 Net interest margin increased 26 basis points Average earning assets increased $507.6 million, or 9.1% (in millions) 32

Net Interest Margin Peer data obtained from the Federal Reserve Bank Holding

Company Performance Report as of 12/31/2025 for bank holding companies with consolidated assets of $3 billion to $10 billion. 33 Dec ’25 Sept ’25 Jun ’25 Mar ’25 Dec ’24 Net Interest Margin 3.67% 3.60% 3.64% 3.57% 3.43% Yield on

Earning Assets 5.64% 5.73% 5.76% 5.71% 5.66% Cost of Interest Bearing Deposits 2.78% 3.01% 3.00% 3.02% 3.18% Benefit of Noninterest Bearing Deposits 0.81% 0.88% 0.88% 0.88% 0.95%

Net Noninterest Expenseas a % of Average Earning Assets Peer data obtained from

the Federal Reserve Bank Holding Company Performance Report as of 12/31/2025 for bank holding companies with consolidated assets of $3 billion to $10 billion. (in millions) Noninterest Expense & Efficiency Ratio (in millions) 34

1st Quarter 2026 Review

Key Metrics – 1st Quarter 2026 Total Assets $6.7 billion Market Capitalization

$1.1 billion Cash Dividend Yield 3.49% P/E Ratio 9.9x Price to Book Value 1.3x Price to Tangible Book Value 1.4x Tangible Common Equity Ratio 12.07% Financial data as of March 31, 2026 36

Total Assets Total assets at 3/31/26 increased $57.0 million, or an annualized

3.4%, during the first quarter Loans increased $95.9 million Investment portfolio decreased $33.0 million Deposits in other banks decreased $33.8 million 37 (in billions)

Total Loans Increased at an annualized rate of 7.9% during the quarter Increased

from prior year first quarter 7.6% 38 (in billions)

Nonperforming Loansas a % of Total Loans 39

Nonperforming Assetsas a % of Total Assets 40

Net Charge-offsas a % of Average Loans (annualized) 41

Allowance for Credit Losses Provision for loan losses for the quarter was $2.3

million, compared to $2.9 million for the quarter ended December 31, 2025 and $3.6 million for the first quarter 2025. Our 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 credit 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. 42

Total Depositsincluding Repurchase Agreements Increased an annualized 2.5% from

prior quarter Increased 7.0% from prior year first quarter 43 (in billions)

Earnings Per Share 44

Net Income 45 (in millions)

Earnings Net 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 first quarter 2025. Provision for loan losses for the quarter of $2.3 million decreased $0.6 from prior quarter and $1.3 million from prior year same quarter. Noninterest 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. Noninterest 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. 46

Noninterest Income QoQ decreases in net securities gains, net gains on the sale

of fixed assets, and deposit related fees, partially offset by an increase in bank owned life insurance revenue YoY increases in bank owned life insurance revenue, trust and wealth management income, and deposit related fees, partially offset

by a decrease in securities gains (in millions) 47

Noninterest Expense QoQ increases in occupancy and equipment expense and

repossession expense, partially offset by a decreases in contribution expense and operating losses YoY increase in salaries and other employee benefits, including bonuses and the cost of group medical and life insurance 48 (in millions)

Efficiency Ratio 49

Key Strategic Initiatives

Operational Priorities Continue to build core earnings capacity Quality loan

growth Low cost deposit growth Seek potential acquisition partner Branch expansion in growth markets Manage net interest margin Operational efficiency Expense control Noninterest revenue growth Compliance management Increase

noninterest income Trust and wealth management Brokerage Insurance Continuing focus on improving asset quality 51

2026 Goals Earnings $105.1 - $109.3 million EPS $5.78 - $6.02 per share ROAA

1.53% - 1.59% ROAE 11.67% - 12.15% Assets $6.80 - $7.23 billion Loans $5.02 - $5.22 billion Deposits $5.83 - $6.07 billion Shareholders’ equity $923.9 - $961.6 million 52

To Our Shareholders Your management has a Strategic Plan for the performance and

operations of your company. Success will be attained by the execution of this plan, not just by management, but by our nearly 1,000 employees. The continuing support by you, our shareholders, by referring your friends, neighbors, and business

associates to do business with your bank, is invaluable to the execution of our plans for the performance of your Company. 53

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Document and Entity Information

Mar. 31, 2026

Cover [Abstract]

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Mar. 31, 2026

Entity File Number

001-31220

Entity Registrant Name

Community Trust Bancorp, Inc.

Entity Central Index Key

0000350852

Entity Incorporation, State or Country Code

Entity Tax Identification Number

61-0979818

Entity Address, Address Line One

P.O. Box 2947

Entity Address, Address Line Two

346 North Mayo Trail

Entity Address, City or Town

Pikeville

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41502

City Area Code

606

Local Phone Number

432-1414

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Common Stock

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CTBI

Security Exchange Name

NASDAQ

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