diff --git a/internal/report/snapshots.go b/internal/report/snapshots.go
index 6efe24b..77d4a12 100644
--- a/internal/report/snapshots.go
+++ b/internal/report/snapshots.go
@@ -547,9 +547,13 @@ func FormatSnapshotLabel(snapshotType string, snapshotTime time.Time, tableName
 }
 
 func CreateTableReport(logger *slog.Logger, Database db.Database, ctx context.Context, tableName string, cfg *settings.Settings) ([]byte, error) {
+	if logger == nil {
+		logger = slog.Default()
+	}
 	if err := db.ValidateTableName(tableName); err != nil {
 		return nil, err
 	}
+	reportCfg := reloadReportSettingsForReport(logger, cfg)
 	start := time.Now()
 	logger.Debug("Create table report start", "table", tableName)
 
@@ -754,7 +758,7 @@ func CreateTableReport(logger *slog.Logger, Database db.Database, ctx context.Co
 		for _, spec := range specs {
 			reportHeaders = append(reportHeaders, spec.Name)
 		}
-		addSummaryPivotSheet(logger, xlsx, sheetName, reportHeaders, rowCount, tableName, cfg)
+		addSummaryPivotSheet(logger, xlsx, sheetName, reportHeaders, rowCount, tableName, reportCfg)
 
 		meta := reportMetadata{
 			TableName:   tableName,
@@ -787,6 +791,24 @@ func CreateTableReport(logger *slog.Logger, Database db.Database, ctx context.Co
 	return buffer.Bytes(), nil
 }
 
+func reloadReportSettingsForReport(logger *slog.Logger, cfg *settings.Settings) *settings.Settings {
+	if cfg == nil {
+		return nil
+	}
+	if strings.TrimSpace(cfg.SettingsPath) == "" {
+		return cfg
+	}
+
+	reloaded := settings.New(logger, cfg.SettingsPath)
+	if err := reloaded.ReadYMLSettings(); err != nil {
+		logger.Warn("failed to reload settings from disk before report creation; using in-memory settings", "settings_file", cfg.SettingsPath, "error", err)
+		return cfg
+	}
+
+	logger.Debug("reloaded settings from disk before report creation", "settings_file", cfg.SettingsPath)
+	return reloaded
+}
+
 // SaveTableReport renders a table report and writes it to the destination directory with a .xlsx extension.
 func SaveTableReport(logger *slog.Logger, Database db.Database, ctx context.Context, tableName, destDir string, cfg *settings.Settings) (string, error) {
 	if err := db.ValidateTableName(tableName); err != nil {