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

Community Trust Bancorp, Inc. (NASDAQ-CTBI) achieved record earnings for the fourth quarter 2025 of $27.3 million, or $1.51 per basic share, compared to $23.9 million, or $1.33 per basic share, earned during the third quarter 2025 and $22.5 million, or $1.25 per basic share, earned during the fourth quarter 2024.  Total revenue for the quarter was $3.2 million above prior quarter and $9.0 million above prior year same quarter.  Net interest revenue for the quarter increased $2.6 million compared to prior quarter and $8.6 million compared to prior year same quarter, and noninterest income increased $0.7 million compared to prior quarter and $0.4 million compared to prior year same quarter.  Our provision for credit losses for the quarter decreased $1.0 million from prior quarter but increased $0.3 million from prior year same quarter.  Noninterest expense decreased $0.3 million compared to prior quarter but increased $2.7 million compared to prior year same quarter.  Earnings for the year 2025 were a record $98.1 million, $15.2 million, or $0.83 per basic share, above prior year.

4^th Quarter 2025 Highlights

❖	Net interest income for the quarter of $58.1 million was $2.6 million, or 4.6%, above prior quarter and $8.6 million, or 17.3%, above prior year same quarter, as our net interest margin increased 7 basis points from prior quarter and 24 basis points from prior year same quarter.

❖	Provision for credit losses at $2.9 million for the quarter decreased $1.0 million from prior quarter but increased $0.3 million from prior year same quarter.

❖	Noninterest income for the quarter ended December 31, 2025 of $16.6 million was $0.7 million, or 4.1%, above prior quarter and $0.4 million, or 2.7%, above prior year same quarter.

❖	Noninterest expense for the quarter ended December 31, 2025 of $36.5 million was $0.3 million, or 0.8%, below prior quarter but $2.7 million, or 7.9%, above prior year same quarter.

❖	Our loan portfolio at $4.9 billion increased $101.0 million, an annualized 8.4%, from prior quarter and $408.3 million, or 9.1%, from prior year.

❖	We had net loan charge-offs of $1.8 million, an annualized 0.14% of average loans, for the fourth quarter 2025 compared to $2.7 million, an annualized 0.23% of average loans, for the third quarter 2025 and $1.0 million, an annualized 0.09% of average loans, for the fourth quarter 2024.

❖	Our total nonperforming loans at $19.2 million at December 31, 2025 decreased $5.5 million from prior quarter and $7.5 million from prior year.  Nonperforming assets at $22.2 million decreased $7.3 million from prior quarter and $8.1 million from prior year.

❖	Deposits, including repurchase agreements, at $5.7 billion increased $27.5 million, an annualized 1.9%, from prior quarter and $387.5 million, or 7.3%, from prior year.

❖	Shareholders’ equity at $856.1 million increased $24.7 million, an annualized 11.8%, from prior quarter and $98.5 million, or 13.0%, from prior year.

Net Interest Income

Our ratio of average loans to deposits, including repurchase agreements, was 84.9% for the quarter ended December 31, 2025 compared to 85.6% for the quarter ended September 30, 2025 and 84.4% for the quarter ended December 31, 2024.

Noninterest Income

Noninterest Expense

Balance Sheet Review

Total Loans

Total Deposits and Repurchase Agreements

CTBI’s total assets at $6.7 billion as of December 31, 2025 increased $46.0 million, or 2.7% annualized, from prior quarter and $490.9 million, or 7.9%, from prior year.  Loans outstanding at $4.9 billion increased $101.0 million, an annualized 8.4%, from prior quarter and $408.3 million, or 9.1%, from prior year.  The increase in loans from prior quarter included a $68.4 million increase in the commercial loan portfolio and a $51.9 million increase in the residential loan portfolio, partially offset by a $15.1 million decrease in the consumer indirect loan portfolio and a $4.2 million decrease in the consumer direct loan portfolio.  CTBI’s investment portfolio at $1.1 billion increased $82.9 million, an annualized 31.6%, from prior quarter and $65.4 million, or 6.2%, from prior year.  Deposits in other banks decreased $135.6 million from prior quarter, as a result of funding our investment portfolio and loan growth, but increased $4.3 million from December 31, 2024.  Deposits, including repurchase agreements, at $5.7 billion increased $27.5 million, an annualized 1.9%, from prior quarter and $387.5 million, or 7.3%, from prior year.  CTBI is not dependent on any one customer or group of customers for their source of deposits.  As of December 31, 2025, two customers accounted for 3% each of our $5.4 billion in deposits.  Only two customer relationships accounted for more than 1% each.

Shareholders’ equity at $856.1 million increased $24.7 million, an annualized 11.8%, during the quarter and $98.5 million, or 13.0%, from prior year end.  Net unrealized losses on securities, net of deferred taxes, were $64.8 million at December 31, 2025, compared to $71.1 million at September 30, 2025 and $98.4 million at December 31, 2024.  CTBI’s annualized dividend yield to shareholders as of December 31, 2025 was 3.75%.

Asset Quality

Our total nonperforming loans at $19.2 million at December 31, 2025 decreased $5.5 million from prior quarter and $7.5 million from prior year.  Nonaccrual loans at $8.5 million decreased $7.1 million from prior quarter and $7.8 million from prior year.  Accruing loans 90+ days past due at $10.6 million increased $1.6 million from prior quarter and $0.3 million from prior year.  Accruing loans 30-89 days past due at $20.2 million increased $1.7 million from prior quarter and $3.3 million from prior year.  Our loan portfolio management processes focus on the immediate identification, management, and resolution of problem loans to maximize recovery and minimize loss.

We had net loan charge-offs of $1.8 million, an annualized 0.14% of average loans, for the fourth quarter 2025 compared to $2.7 million, an annualized 0.23% of average loans, for the third quarter 2025 and $1.0 million, an annualized 0.09% of average loans, for the fourth quarter 2024.  Of the net charge-offs for the quarter, $1.0 million were in commercial loans, $0.6 million were in consumer indirect loans, and $0.2 million were in consumer direct loans.  Net-charge offs for the year 2025 were $7.4 million, an annualized 0.16% of average loans, compared to $5.5 million, an annualized 0.13% of average loans, for the year 2024.

Allowance for Credit Losses

Our provision for credit losses at $2.9 million for the quarter decreased $1.0 million from prior quarter but increased $0.3 million from prior year same quarter.  Of the provision for the quarter, $2.6 million was allotted to fund changes in loan volume and composition, $0.2 million was allotted based on quantitative and qualitative factors, and $0.1 million was allotted for unfunded commitments.  Provision for credit losses for the year 2025 of $12.4 million was a $1.5 million increase over the year 2024.  Our reserve coverage (allowance for credit losses to nonperforming loans) at December 31, 2025 was 314.0% compared to 239.5% at September 30, 2025 and 206.0% at December 31, 2024.  Our loan loss reserve as a percentage of total loans outstanding at December 31, 2025 remained at 1.23% from September 30, 2025 and December 31, 2024.

Forward-Looking Statements

Certain 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’s 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 “believe,” “expect,” “anticipate,” “intend,” “estimate,” “may increase,” “may fluctuate,” and similar expressions or future or conditional verbs such as “will,” “should,” “would,” and “could.”  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’ pricing policies, changes in laws and regulations, competition, and demographic changes on target market populations’ 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’s results.  These statements are representative only on the date hereof, and CTBI undertakes no obligation to update any forward-looking statements made.

Community Trust Bancorp, Inc., with assets of $6.7 billion, is headquartered in Pikeville, Kentucky and has 72 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.

Additional information follows.

Community Trust Bancorp, Inc.
Financial Summary (Unaudited)
December 31, 2025
(in thousands except per share data and # of employees)
		Three				Three				Three				Twelve				Twelve
		Months				Months				Months				Months				Months
		Ended				Ended				Ended				Ended				Ended
		December 31, 2025				September 30, 2025				December 31, 2024				December 31, 2025				December 31, 2024
Interest income		$	89,532			$	88,562			$	81,979			$	345,719			$	313,443
Interest expense			31,415				33,008				32,452				126,741				127,448
Net interest income			58,117				55,554				49,527				218,978				185,995
Provision for credit losses			2,908				3,866				2,587				12,436				10,951
Gains on sales of loans			107				89				50				320				294
Deposit related fees			7,537				8,131				7,619				29,840				29,824
Trust revenue			4,422				4,277				3,961				16,772				14,921
Loan related fees			932				897				1,472				4,043				4,957
Securities gains (losses)			194				(449	)			521				375				631
Other noninterest income			3,411				3,001				2,537				12,267				11,938
Total noninterest income			16,603				15,946				16,160				63,617				62,565
Personnel expense			21,933				21,774				20,193				85,479				79,427
Occupancy and equipment			3,373				3,261				3,015				13,246				12,204
Data processing expense			2,877				3,575				3,181				12,637				11,172
FDIC insurance premiums			745				703				670				2,825				2,586
Other noninterest expense			7,524				7,431				6,710				28,880				25,534
Total noninterest expense			36,452				36,744				33,769				143,067				130,923
Net income before taxes			35,360				30,890				29,331				127,092				106,686
Income taxes			8,084				6,979				6,838				29,034				23,873
Net income		$	27,276			$	23,911			$	22,493			$	98,058			$	82,813
Memo: TEQ interest income		$	89,855			$	88,863			$	82,252			$	346,899			$	314,582
Average shares outstanding			18,025				18,019				17,971				18,013				17,950
Diluted average shares outstanding			18,064				18,053				18,009				18,044				17,977
Basic earnings per share		$	1.51			$	1.33			$	1.25			$	5.44			$	4.61
Diluted earnings per share		$	1.51			$	1.32			$	1.25			$	5.43			$	4.61
Dividends per share		$	0.53			$	0.53			$	0.47			$	2.00			$	1.86
Average balances:
Loans		$	4,821,223			$	4,736,104			$	4,399,291			$	4,690,521			$	4,247,762
Earning assets			6,321,901				6,151,134				5,779,438				6,077,559				5,569,948
Total assets			6,657,596				6,487,817				6,100,136				6,410,466				5,893,995
Deposits, including repurchase agreements			5,677,448				5,531,461				5,215,204				5,469,702				5,036,906
Interest bearing liabilities			4,485,186				4,353,313				4,059,061				4,299,232				3,867,733
Shareholders' equity			851,231				823,016				760,223				812,162				732,119
Performance ratios:
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	%
Yield on average earning assets (tax equivalent)			5.64	%			5.73	%			5.66	%			5.71	%			5.65	%
Cost of interest bearing funds (tax equivalent)			2.78	%			3.01	%			3.18	%			2.95	%			3.30	%
Net interest margin (tax equivalent)			3.67	%			3.60	%			3.43	%			3.62	%			3.36	%
Efficiency ratio (tax equivalent)			48.70	%			50.86	%			51.60	%			50.48	%			52.57	%
Loan charge-offs		$	3,022			$	4,024			$	2,264			$	12,296			$	10,503
Recoveries			(1,267	)			(1,276	)			(1,285	)			(4,865	)			(4,977	)
Net charge-offs		$	1,755			$	2,748			$	979			$	7,431			$	5,526
Market Price:
High		$	61.55			$	59.67			$	61.66			$	61.55			$	61.66
Low		$	50.25			$	52.60			$	46.55			$	44.60			$	38.44
Close		$	56.50			$	55.95			$	53.03			$	56.50			$	53.03

Community Trust Bancorp, Inc.

Financial Summary (Unaudited)

December 31, 2025

(in thousands except per share data and # of employees)

		As of				As of				As of
		December 31, 2025				September 30, 2025				December 31, 2024
Assets:
Loans		$	4,894,942			$	4,793,915			$	4,486,637
Allowance for credit losses			(60,169	)			(59,135	)			(54,968	)
Net loans			4,834,773				4,734,780				4,431,669
Loans held for sale			211				483				184
Securities AFS			1,120,719				1,037,965				1,055,728
Equity securities at fair value			4,154				3,961				3,781
Other equity investments			10,087				9,948				9,949
Other earning assets			302,928				438,501				298,580
Cash and due from banks			62,851				71,218				73,021
Premises and equipment			52,611				52,245				49,630
Right of use asset			15,433				15,974				14,385
Goodwill			65,490				65,490				65,490
Other assets			214,881				207,564				190,828
Total Assets		$	6,684,138			$	6,638,129			$	6,193,245
Liabilities and Equity:
Interest bearing checking		$	195,458			$	194,327			$	167,736
Savings deposits			2,377,091				2,316,300				2,292,793
CD's >=$100,000			960,517				992,728				795,619
Other time deposits			592,749				633,533				571,365
Total interest bearing deposits			4,125,815				4,136,888				3,827,513
Noninterest bearing deposits			1,263,243				1,248,573				1,242,676
Total deposits			5,389,058				5,385,461				5,070,189
Repurchase agreements			308,799				284,863				240,166
Other interest bearing liabilities			64,577				64,641				64,830
Lease liability			16,417				16,909				15,190
Other noninterest bearing liabilities			49,215				54,882				45,286
Total liabilities			5,828,066				5,806,756				5,435,661
Shareholders' equity			856,072				831,373				757,584
Total Liabilities and Equity		$	6,684,138			$	6,638,129			$	6,193,245
Ending shares outstanding			18,116				18,110				18,058
30 - 89 days past due loans		$	20,182			$	18,500			$	16,833
90 days past due loans			10,623				9,040				10,317
Nonaccrual loans			8,539				15,647				16,369
Foreclosed properties			3,066				4,856				3,647
Community bank leverage ratio			13.64	%			13.68	%			13.76	%
Tangible equity to tangible assets ratio			11.94	%			11.65	%			11.29	%
FTE employees			930				929				934