Stock Yards Bank & Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Little in Stock Yards Bank & Trust Company's latest call report stands out. It reported $10.4 billion in assets at June 30, 2026, up 12.6% from a year earlier. On most measures it sits near the middle of the 127 banks with $10 billion to $100 billion in assets.
Net income for the quarter rose 21% from a year earlier, to $43 million. Where it has less room is capital: it holds common equity equal to 12.02% of its risk-weighted assets, lower than about three-quarters of banks its size (median 12.98%).
As of June 30, 2026, Stock Yards Bank & Trust Company reported a CET1 capital ratio of 12.02%, a return on assets of 1.71%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 2.29%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1040 E Main St, Louisville, KY 40206
- County
- Jefferson
- Metro Area
- Louisville-Jefferson County, KY-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- June 1, 1904
- Offices
- 87 domestic
- Employees (FTE)
- 1,270
- Domestic deposits
- $8.49B
- Allowance for credit losses
- $109.1M
- Net charge-offs (YTD)
- -$75K
- Average total assets
- $9.94B
- Average total loans
- $7.68B
- Average interest-bearing deposits
- $6.59B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 258
- Fed RSSD
- 317342
- SEC CIK
- 835324 → filed by STOCK YARDS BANCORP, INC.
- Website
- www.syb.com →
- Parent Holding Company
- STOCK YARDS BANCORP, INC. (RSSD 1249730) · SYBT
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| James A Hillebrand | CEO | Chairman & CEO |
| Philip Poindexter | PRES | President |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Stock Yards Bank & Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Stock Yards Bank & Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Stock Yards Bank & Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Stock Yards Bank & Trust Company
- Field & Main Bank, effective May 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.02% | 1.71% | 0.31% | 2.29% | 3.85% |
| Q1 2026 | 11.93% | 1.61% | 0.16% | 1.16% | 3.61% |
| Q4 2025 | 11.82% | 1.58% | 0.18% | 1.36% | 3.62% |
| Q3 2025 | 11.58% | 1.61% | 0.27% | 2.02% | 3.61% |
| Q2 2025 | 11.33% | 1.55% | 0.26% | 2.01% | 3.54% |
| Q1 2025 | 11.27% | 1.52% | 0.24% | 1.87% | 3.49% |
| Q4 2024 | 11.18% | 1.45% | 0.34% | 2.69% | 3.48% |
| Q3 2024 | 11.24% | 1.41% | 0.27% | 2.10% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 83 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Stock Yards Bank & Trust Company (main office) | Louisville , KY | 40206 | $814.2M |
| Springhurst Branch | Louisville , KY | 40241 | $522.3M |
| Field & Main Bank Branch | Henderson , KY | 42420 | $467.4M |
| Cincinnati Downtown Branch | Cincinnati , OH | 45202 | $403.0M |
| Charlestown Road Branch | New Albany , IN | 47150 | $268.5M |
| St. Matthews Branch | Louisville , KY | 40207 | $250.3M |
| Fifth Street Branch | Louisville , KY | 40202 | $229.3M |
| Crestwood Branch | Crestwood , KY | 40014 | $227.2M |
| Lagrange Branch | Lagrange , KY | 40031 | $225.3M |
| Shepherdsville Branch | Shepherdsville , KY | 40165 | $211.0M |
| Middletown Branch | Louisville , KY | 40243 | $204.0M |
| Poplar Level Branch | Louisville , KY | 40213 | $171.0M |
| Cynthiana Branch | Cynthiana , KY | 41031 | $160.4M |
| Indianapolis Downtown Branch | Indianapolis , IN | 46204 | $144.4M |
| Madeira Branch | Madeira , OH | 45243 | $142.4M |
| Paris Main Branch | Paris , KY | 40361 | $136.5M |
| Holiday Manor Branch | Louisville , KY | 40222 | $133.4M |
| Outer Loop Branch | Louisville , KY | 40219 | $118.7M |
| Cynthiana Branch | Cynthiana , KY | 41031 | $115.8M |
| Richmond University Branch | Richmond , KY | 40475 | $115.8M |
| Blakenbaker Branch | Louisville , KY | 40299 | $113.3M |
| Florence Branch | Florence , KY | 41042 | $106.8M |
| Carmel Branch | Carmel , IN | 46032 | $104.4M |
| Middletown East Branch | Louisville , KY | 40243 | $104.3M |
| Highlands Branch | Louisville , KY | 40205 | $100.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2026 | Structure Change | Acquired Field & Main Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2026 | M&A | Acquired Field & Main Bank merger for the acquired bank | SEC |
| March 7, 2022 | M&A | Acquired Commonwealth Bank and Trust Company merger for the acquired bank | SEC |
| March 7, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 2022 | Structure Change | Acquired Commonwealth Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2021 | M&A | Acquired Kentucky Bank merger for the acquired bank | SEC |
| July 1, 2021 | Structure Change | Acquired Kentucky Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2019 | M&A | Acquired King Southern Bank merger for the acquired bank | SEC |
| May 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2019 | Structure Change | Acquired King Southern Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2013 | Structure Change | Acquired THE BANK - Oldham County, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2013 | M&A | Acquired THE BANK - Oldham County, Inc. merger for the acquired bank | SEC |
| May 30, 1998 | M&A | Acquired Stock Yards Bank & Trust Company merger for the acquired bank | SEC |
| May 30, 1998 | Structure Change | Acquired Stock Yards Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 29, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 18 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Stock Yards Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 5.6% of deposits in KY, rank 4 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,757 applications, 2,539 loans originated, $736.0M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 68 loans, $54.8M approved, $806K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Stock Yards Bank & Trust Company
What are Stock Yards Bank & Trust Company's total assets?
As of the Q2 2026 filing, Stock Yards Bank & Trust Company reported total assets of $10.36 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Stock Yards Bank & Trust Company headquartered?
Stock Yards Bank & Trust Company is headquartered in Louisville, KY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Stock Yards Bank & Trust Company founded?
Stock Yards Bank & Trust Company was established in 1904, per the FDIC institution directory.
Is Stock Yards Bank & Trust Company FDIC-insured?
Yes. Stock Yards Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #258). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Stock Yards Bank & Trust Company?
Stock Yards Bank & Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Stock Yards Bank & Trust Company's CET1 capital ratio?
Stock Yards Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 12.02% in its Q2 2026 call report, above regulatory requirements.
How many branches does Stock Yards Bank & Trust Company operate?
Stock Yards Bank & Trust Company operates 87 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Stock Yards Bank & Trust Company's Texas Ratio?
Stock Yards Bank & Trust Company's Texas Ratio is 2.29% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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