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Stock Yards Bank & Trust Company
Louisville, KY · State-chartered bank (not a Fed member) · Part of Stock Yards Bcorp Inc
- Total assets
- $10.36B
- Q2 2026
- Deposits
- $8.49B
- Net income
- $80.42M
- first half of 2026
- Return on assets
- 1.64%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 258
- Main office
- Louisville, KY
- Holding company
- Stock Yards Bcorp Inc
- Charter
- State-chartered bank (not a Fed member)
- Primary federal regulator
- Federal Deposit Insurance Corporation (FDIC)
- Established
- 06/01/1904
- FDIC insured since
- 01/01/1934
- U.S. offices
- 85
- Employees (full-time equivalent)
- 1,270
- Specialty
- Commercial Lending Specialization
- Website
- www.syb.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $10.36B | $9.46B | $9.53B | $9.3B | $9.2B | $8.99B | $8.86B | $8.44B |
| Deposits | $8.49B | $7.76B | $7.79B | $7.65B | $7.51B | $7.3B | $7.17B | $6.73B |
| Net loans and leases | $7.78B | $7.14B | $6.96B | $6.84B | $6.76B | $6.57B | $6.44B | $6.2B |
| Securities | $852.2M | $885.8M | $921.1M | $940.6M | $1.22B | $1.25B | $1.36B | $1.24B |
| Equity capital | $1.24B | $1.1B | $1.07B | $1.04B | $1.01B | $976.4M | $941M | $937.6M |
| Net income (year to date) | $80.42M | $37.9M | $144.4M | $106.7M | $69.32M | $34.15M | $117.7M | $85.78M |
| Return on assets | 1.64% | 1.60% | 1.57% | 1.57% | 1.54% | 1.53% | 1.40% | 1.39% |
| Return on equity | 14.12% | 13.94% | 14.33% | 14.36% | 14.23% | 14.25% | 13.04% | 12.81% |
| Net interest margin | 3.75% | 3.64% | 3.63% | 3.60% | 3.55% | 3.52% | 3.44% | 3.40% |
| Efficiency ratio | 51.5% | 51.3% | 51.1% | 51.3% | 51.7% | 51.9% | 53.6% | 53.9% |
| Noncurrent loans | 0.31% | 0.16% | 0.19% | 0.27% | 0.27% | 0.25% | 0.34% | 0.28% |
| Net charge-off rate | 0.00% | -0.01% | 0.01% | -0.01% | -0.02% | -0.06% | 0.02% | 0.01% |
| Leverage (core capital) ratio | 10.74% | 10.38% | 10.01% | 9.95% | 9.88% | 9.70% | 9.65% | 9.79% |
| Total risk-based capital ratio | 13.28% | 13.18% | 13.07% | 12.83% | 12.58% | 12.52% | 12.39% | 12.46% |
Assets grew 12.6% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$6.01B77.3%
- Commercial and industrial loans$1.63B21.0%
- Consumer loans$117.9M1.5%
Find bank branches in Kentucky · Employees: 1,270
Frequently asked questions
- What is Stock Yards Bank & Trust Company's FDIC certificate number?
- Stock Yards Bank & Trust Company's FDIC certificate number is 258.
- How big is Stock Yards Bank & Trust Company?
- Stock Yards Bank & Trust Company reported total assets of $10.36B and deposits of $8.49B as of Q2 2026.
- Is Stock Yards Bank & Trust Company FDIC insured?
- Yes. Stock Yards Bank & Trust Company has been insured by the FDIC since 01/01/1934. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026