Stock Yards Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Stock Yards Bank & Trust Company is an FDIC-insured commercial bank headquartered in Louisville, KY, established in 1904 (FDIC certificate 258), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $10.36B, up 12.6% from Q2 2025, the largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 12.02% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 258
- Headquarters
- Louisville, KY
- Established
- 1904
- Total assets, Q2 2026
- $10.36B
- Assets vs Q2 2025
- +12.6%
- CET1 ratio, Q2 2026
- 12.02%
- Domestic offices
- 85 FDIC institution directory, current count
- Routing number
- 083000564
- Latest call report
- Q2 2026, FFIEC 041 · Stock Yards Bank & Trust Company call report
- Holding company
- STOCK YARDS BANCORP, INC.
- Asset rank in state
- 1st of 120 in Kentucky
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Stock Yards Bank & Trust Company is the largest of the 120 banks headquartered in Kentucky. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 9.5% to $10.36B, loans rose 9.1% and deposits rose 9.4%. 1-4 family residential loans made up 23.1% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 20.7%. Its 83 offices in the FDIC Summary of Deposits are in 39 cities across 3 states; its Louisville 26 offices book 42% of its branch deposits. Judged on its Q2 2026 call report, Stock Yards Bank & Trust Company meets every capital ratio test for well capitalized.
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
- Domestic offices
- 85 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Stock Yards Bank & Trust Company's total assets ranged from $7.90B (Q3 2023) to $10.36B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$10.36B total assets against $9.20B; $9.12B total liabilities against $8.20B.
$7.78B net loans and leases against $6.76B; $8.49B total deposits against $7.51B.
$852.2M securities against $1.22B; $847.9M cash and balances due against $451.4M.
$128.3M total interest income against $115.0M; $40.1M total interest expense against $41.1M.
$88.2M net interest income against $73.9M.
$26.8M total noninterest income against $24.4M; $61.1M total noninterest expense against $51.4M.
$0 provision for credit losses against $2.2M.
$42.5M net income against $35.2M.
1.71% return on assets against 1.55%; 3.85% net interest margin against 3.54%.
12.02% CET1 capital ratio against 11.33%; 10.74% tier 1 leverage ratio against 9.88%.
Inside the full Stock Yards Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 153 of 4,196, for total assets; its furthest is 1,699 of 2,134, for CET1 ratio.
Banks merged into Stock Yards Bank & Trust Company
- Field & Main Bank, effective May 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.41% (Q3 2024) to 1.71% (Q2 2026) and its net interest margin ran from 3.37% (Q3 2024) to 3.85% (Q2 2026).
| 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
View all 83 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Stock Yards Bank & Trust Company headquartered?
It is headquartered in Louisville, KY, United States.
When was Stock Yards Bank & Trust Company founded?
It was established in 1904, per the FDIC institution directory.
Is Stock Yards Bank & Trust Company FDIC-insured?
Yes. It 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.
What is Stock Yards Bank & Trust Company's CET1 capital ratio?
It 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?
It operates 85 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?
Its Texas Ratio is 2.29% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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