Stock Yards Bank & Trust Company
Stock Yards Bank & Trust Company reported total assets of $10.4 bn at Q2 2026, up 12.6% on a year earlier, the 155th largest of 497 banks in our US coverage. The CET1 capital ratio at Stock Yards Bank & Trust Company was 12.02%. Stock Yards Bank & Trust Company held deposits of $8.5 bn. Source: FDIC Call Reports.
Key takeaways
- Since , Stock Yards Bank & Trust Company has taken over 4 institutions; the latest was Field & Main Bank on (FDIC Call Reports).
- On common equity tier 1 (CET1) ratio, Stock Yards Bank & Trust Company climbed from 406th to 339th among 448 US banks between and (1 = highest; FDIC Call Reports).
- Stock Yards Bank & Trust Company reports one of the lowest net charge-offs to average loans readings among banks of $10 bn to $100 bn: 0.00% at , where the median of the 126 banks is 0.14% (FDIC Call Reports).
What sets Stock Yards Bank & Trust Company apart
How large is Stock Yards Bank & Trust Company?
The balance sheet of Stock Yards Bank & Trust Company at : assets $10.4 bn, deposits $8.5 bn, net loans $7.8 bn (loans equal to 91.68% of deposits). Securities make up 8.2% of total assets at Stock Yards Bank & Trust Company. Since , when Stock Yards Bank & Trust Company held $2.8 bn, its assets grew 267.1%. In the year to , deposits at Stock Yards Bank & Trust Company rose 13.1% while its total assets rose 12.6%. At , Stock Yards Bank & Trust Company employed 1,270 full-time equivalent staff across 85 offices, about $8.2 mn of assets per employee and $99.9 mn of deposits per office.
How much funding at Stock Yards Bank & Trust Company is uninsured?
At Stock Yards Bank & Trust Company, uninsured deposits (above the FDIC limit) made up 40.97% of domestic deposits at (-4.39 pp on a year earlier); Stock Yards Bank & Trust Company ranks 176th of 500 on this measure. In dollars, Stock Yards Bank & Trust Company estimated $3.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $8.5 bn | +13.1% | 157th of 499 |
| Net loans and leases | $7.8 bn | +15.1% | 147th of 500 |
| Loan-to-deposit ratio | 91.68% | +1.59 pp | 161st of 500 |
| Tier 1 leverage ratio | 10.74% | +0.86 pp | 202nd of 500 |
| Total risk-based capital ratio | 13.28% | +0.70 pp | 327th of 448 |
| Net interest margin | 3.75% | +0.20 pp | 215th of 500 |
| Return on assets (ROA) | 1.64% | +0.11 pp | 113th of 500 |
| Efficiency ratio | 51.54% | -0.12 pp | 162nd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $18.4 mn | Narrowed by $2.4 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $82.8 mn | Narrowed by $15.5 mn | |
| Noncurrent loans to total loans | 0.31% | +0.05 pp | 114th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | +0.02 pp | 37th of 500 (1 = lowest) |
US rank of Stock Yards Bank & Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Stock Yards Bank & Trust Company: assets, deposits and loans
- Total assets $10.4bn
- Deposits $8.5bn
- Net loans $7.8bn
Capital and securities
The CET1 ratio of Stock Yards Bank & Trust Company stood at 12.02% in , +0.69 pp year on year. Low and high at Stock Yards Bank & Trust Company since : 10.31% () to 12.82% (). Equity capital of Stock Yards Bank & Trust Company at : $1.2 bn, or 12.0% of total assets. Stock Yards Bank & Trust Company also reported a total capital ratio of 13.28% for , and a tier 1 leverage ratio of 10.74%.
On held-to-maturity securities, Stock Yards Bank & Trust Company carried an unrealized loss of $18.4 mn at , equal to 1.5% of equity capital. The loss narrowed by $2.4 mn over the year. Its deepest point: $47.8 mn in . The available-for-sale portfolio of Stock Yards Bank & Trust Company showed an unrealized loss of $82.8 mn at ; the loss narrowed by $15.5 mn over the year.
Stock Yards Bank & Trust Company: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 11%
Stock Yards Bank & Trust Company: unrealized securities gains and losses
- Available for sale -$83mn
- Held to maturity -$18mn
Profitability and loan quality
For the year to , Stock Yards Bank & Trust Company earned a return on equity of 14.12%; return on assets: 1.64%. Net interest margin at Stock Yards Bank & Trust Company: 3.75%, +0.20 pp in a year. Stock Yards Bank & Trust Company net income: $80.4 mn, up 16.0% year on year. The efficiency ratio of Stock Yards Bank & Trust Company was 51.54%: about 52 cents cost per revenue dollar, against 52 cents at the median peer.
At , noncurrent loans were 0.31% of total loans at Stock Yards Bank & Trust Company; net charge-offs: 0.00% of average loans. Gross loans and leases at Stock Yards Bank & Trust Company: $7.9 bn, up 15.1% in a year.
Stock Yards Bank & Trust Company: profitability
- Return on equity 14%
- Net interest margin 3.8%
- Return on assets 1.6%
Peer group of Stock Yards Bank & Trust Company
The peer group of Stock Yards Bank & Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Stock Yards Bank & Trust Company (state nonmember bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Kentucky. Against them, Stock Yards Bank & Trust Company shows CET1 ratio 12.02% against a peer median of 12.88%, return on equity 14.12% against a peer median of 12.22% and uninsured deposit share 40.97% against a peer median of 47.61%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Centier Bank | State nonmember bank | IN | $10.4 bn | 12.85% | 15.71% | 38.52% | |
| Stellar Bank | State member bank | TX | $10.4 bn | 12.79% | -4.12% | 58.47% | |
| Amarillo National Bank | National bank | TX | $10.4 bn | 13.03% | 16.07% | 48.63% | |
| Stock Yards Bank & Trust Company | State nonmember bank | KY | $10.4 bn | 12.02% | 14.12% | 40.97% | |
| Amerant Bank | National bank | FL | $10.3 bn | 12.91% | 9.14% | 46.73% | |
| International Bank of Commerce | State nonmember bank | TX | $10.2 bn | 21.11% | 13.85% | 40.24% | |
| Origin Bank | State member bank | LA | $10.2 bn | 12.80% | 10.59% | 48.50% | |
. FDIC Call Reports.
Last eight quarters
Two years at Stock Yards Bank & Trust Company, to : assets +22.8%, deposits +26.2%, equity +32.4%. Staff 1,068 to 1,270; offices 76 to 85.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $8.4 bn | $8.9 bn | $9.0 bn | $9.2 bn | $9.3 bn | $9.5 bn | $9.5 bn | $10.4 bn |
| Total deposits | $6.7 bn | $7.2 bn | $7.3 bn | $7.5 bn | $7.6 bn | $7.8 bn | $7.8 bn | $8.5 bn |
| Bank equity capital | $937.6 mn | $941.0 mn | $976.4 mn | $1.0 bn | $1.0 bn | $1.1 bn | $1.1 bn | $1.2 bn |
| CET1 ratio | 11.24% | 11.18% | 11.27% | 11.33% | 11.58% | 11.82% | 11.93% | 12.02% |
| Return on equity (ROE) | 12.81% | 13.04% | 14.25% | 14.23% | 14.36% | 14.33% | 13.94% | 14.12% |
| Uninsured share of domestic deposits | 43.21% | 45.78% | 44.68% | 45.35% | 42.11% | 41.76% | 41.16% | 40.97% |
| Full-time equivalent employees | 1,068 | 1,080 | 1,089 | 1,118 | 1,140 | 1,123 | 1,144 | 1,270 |
| Number of offices | 76 | 76 | 77 | 77 | 77 | 79 | 79 | 85 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Stock Yards Bank & Trust Company, oldest first; figures before and after each event are not like for like.
- . Absorbed King Southern Bank (FDIC certificate 18900).
- . Absorbed Kentucky Bank (FDIC certificate 734).
- . Absorbed Commonwealth Bank and Trust Company (FDIC certificate 10146).
- . Absorbed Field & Main Bank (FDIC certificate 13838).
Large one-quarter moves at Stock Yards Bank & Trust Company
- Total assets at Stock Yards Bank & Trust Company changed by +26.8% in the quarter to 2021-06-30: Affiliated Institution Merger (Pooling) (i.e. Corporate Reorganization; Participated in Absorbtion/Consolidation/Merger: acquired from Kentucky Bank.
Questions and identifiers
What were the total assets of Stock Yards Bank & Trust Company?
Stock Yards Bank & Trust Company reported $10.4 bn at in its Call Report. That makes Stock Yards Bank & Trust Company the 155th largest of 497 banks in our US coverage.
Is Stock Yards Bank & Trust Company the same as its holding company?
No. This page covers Stock Yards Bank & Trust Company, FDIC certificate 258; STOCK YARDS BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Stock Yards Bank & Trust Company profitable?
Stock Yards Bank & Trust Company reported net income of $80.4 mn for the year to ; annualized return on equity: 14.12%. So yes: Stock Yards Bank & Trust Company made a profit over these months.
When is data for Stock Yards Bank & Trust Company next updated?
Figures from Stock Yards Bank & Trust Company for are due after .
Where can I check the figures for Stock Yards Bank & Trust Company?
In the FDIC BankFind Suite record for certificate 258, and in the Call Reports of Stock Yards Bank & Trust Company (RSSD ID 317342) at the FFIEC Central Data Repository.