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Midas Edge

COMMUNITY TRUST BANCORP INC /KY/

For the period ended Dec 31, 2025. Filed Feb 27, 2026.

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About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 27, 2026

CTBI$70.09-0.2%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Item 15. Exhibits and Financial Statement Schedules

Item 15.Exhibits and Financial Statement Schedules

(a) 1. Financial Statements

The following financial statements of CTBI and the auditor’s report thereon are filed as part of this Form 10-K under Item 8. Financial Statements and Supplementary Data:

Consolidated Statements of Income and Other Comprehensive Income

Consolidated Statements of Shareholders’ Equity

Notes to Consolidated Financial Statements

Reports of Independent Registered Public Accounting Firm (BDO USA, P.C., Grand Rapids, Michigan, PCAOB ID 243)

  1. Financial Statement Schedules

All required financial statement schedules for CTBI have been included in this Form 10-K in the consolidated financial statements or the related footnotes.

  1. Exhibits
Exhibit No.Description of Exhibits
3.1Articles of Incorporation and all amendments thereto {incorporated by reference to registration statement no. 33-35138}
3.2By-laws of CTBI as amended July 25, 1995 {incorporated by reference to registration statement no. 33-61891}
3.3By-laws of CTBI as amended January 29, 2008 {incorporated by reference to Exhibit 3.1 of current report on Form 8-K filed January 30, 2008}
4.1Description of CTBI’s Securities Registered under Section 12 of the Securities Exchange Act of 1934 {incorporated by reference to Exhibit 4.1 of Form 10-K for the fiscal year ended December 31, 2021}
10.1*Community Trust Bancorp, Inc. Employee Stock Ownership Plan (effective January 1, 2007) {incorporated herein by reference to Exhibit 10.1 of Form 10-K for the fiscal year ended December 31, 2006}
10.2*Community Trust Bancorp, Inc. Savings and Employee Stock Ownership Plan (Amendment Number One effective January 1, 2002, Amendment Number Two effective January 1, 2004, Amendment Number Three effective March 28, 2005, and Amendment Number Four effective January 1, 2006) {incorporated herein by reference to Exhibit 10.2 of Form 10-K for the fiscal year ended December 31, 2006}
10.3*Form of Severance Agreement between Community Trust Bancorp, Inc. and executive officers (currently in effect with respect to twelve executive officers) {incorporated herein by reference to Exhibit 10.4 of Form 10-K for the fiscal year ended December 31, 2001}
10.4*Community Trust Bancorp, Inc. 2015 Stock Ownership Incentive Plan {incorporated by reference to Appendix A of Definitive Proxy Statement on Schedule 14A filed March 20, 2015}
10.5*Restricted Stock Agreement {incorporated by reference to Exhibit 10.8 of Form 10-K for the fiscal year ended December 31, 2011}
10.6*Community Trust Bancorp, Inc. 2025 Stock Ownership Incentive Plan {incorporated by reference to Appendix A of Definitive Proxy Statement on Schedule 14A filed March 18, 2024}
10.7*Senior Management Incentive Compensation Plan (2026) {incorporated by reference to Exhibit 10.1 of current report on Form 8-K filed January 28, 2026}
10.8*Employee Incentive Compensation Plan (2026) {incorporated by reference to Exhibit 10.2 of current report on Form 8-K filed January 28, 2026}
10.9*Community Trust Bancorp, Inc. 2024 Executive Committee Long-Term Incentive Compensation Plan {incorporated by reference to Exhibit 10.21 of current report on Form 8-K filed January 25, 2024}
10.10*Community Trust Bancorp, Inc. 2025 Executive Committee Long-Term Incentive Compensation Plan {incorporated by reference to Exhibit 10.3 of current report on Form 8-K filed January 29, 2025}
10.11*Community Trust Bancorp, Inc. 2026 Executive Committee Long-Term Incentive Compensation Plan {incorporated by reference to Exhibit 10.3 of current report on Form 8-K filed January 28, 2026}
19.1*Community Trust Bancorp, Inc. and Community Trust Bank, Inc. Insider Trading Policy {incorporated herein by reference to Exhibit 19.1 of Form 10-K for the fiscal year ended December 31, 2024}
21+Subsidiaries of the Registrant
23.1+Consent of BDO USA, P.C., Independent Registered Public Accounting Firm
23.2+Consent of Forvis Mazars, LLP, Independent Registered Public Accounting Firm
31.1+Certification of Principal Executive Officer (Mark A. Gooch, Chairman, President, and Chief Executive Officer)
31.2+Certification of Principal Financial Officer (Kevin J. Stumbo, Executive Vice President, Chief Financial Officer, and Treasurer)
32.1++Certification of Mark A. Gooch, Chairman, President, and Chief Executive Officer, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
32.2++Certification of Kevin J. Stumbo, Executive Vice President, Chief Financial Officer, and Treasurer, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
97*Community Trust Bancorp, Inc. Policy for the Recovery of Erroneously Awarded Compensation {incorporated by reference to Exhibit 97 of Form 10-K for the fiscal year ended December 31, 2023}
99.1Community Trust Bancorp, Inc. Dividend Reinvestment Plan, as amended December 20, 2013 {incorporated by reference to registration statement no. 333-193011}
101.INSInline XBRL Instance Document – the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL
101.SCHInline XBRL Taxonomy Extension Schema
101.CALInline XBRL Taxonomy Extension Calculation Linkbase
101.DEFInline XBRL Taxonomy Extension Definition Linkbase
101.LABInline XBRL Taxonomy Extension Label Linkbase
101.PREInline XBRL Taxonomy Extension Presentation Linkbase
104Cover Page Interactive Data File (formatted as inline XBRL and contained in Exhibit 101)
  • Management contracts and compensatory plans and arrangements required to be filed as exhibits pursuant to Item 15(b) of this report.
  • Filed with this report.

++ Furnished with this report.

(b) Exhibits

The response to this portion of Item 15 is submitted in (a) 3. above.

(c) Financial Statement Schedules

None

ContentsView on SEC.gov

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