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Stock Yards Bank & Trust Company

$10B-$250B Specialty: Commercial KY FDIC cert 258

Louisville, KY

85 branches across KY · IN · OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 1 in KY.
  • Deposits +13.1% year over year ($8.5B on the books).
  • Delinquency rate 0.31%.
  • Return on assets 1.64%.
  • Efficiency ratio 51.54% vs a 53.67% peer average.
  • Loan-to-deposit ratio 91.68% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 1 in KY
View $10B-$250B leaderboard (KY) →

Stock Yards Bank & Trust Company has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 34.3% in tier
  • + ROA 0.25% above tier average
  • + Efficiency Ratio 2.13% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 10.5% in tier
  • - Net Interest Margin 0.17% below tier average
Get updates when Stock Yards Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $10.4B
+12.6% YoY +9.5% QoQ
-$33.2B $43.6B
-13.8% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Bottom 2.9% in tier
Total Loans ? $7.8B
+15.1% YoY +9.0% QoQ
-$20.2B $28.0B
-8.6% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 10.1% in tier
Total Deposits ? $8.5B
+13.1% YoY +9.4% QoQ
-$26.9B $35.4B
-14.0% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Bottom 3.6% in tier
Return on Assets ? 1.64%
+6.9% YoY +3.0% QoQ
+0.25% 1.39%
+25.9% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
79%
Net Interest Margin ? 3.75%
+5.7% YoY +3.0% QoQ
-0.17% 3.92%
+8.9% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
57%
Efficiency Ratio ? 51.54%
-0.2% YoY +0.6% QoQ
-2.13% 53.67%
-1.9% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
64%
Delinquency Rate ? 0.31%
+17.8% YoY +95.9% QoQ
-0.70% 1.01%
-2.8% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Top 14.5% in tier
Loan-to-Deposit Ratio ? 91.68%
+1.8% YoY -0.3% QoQ
+9.07% 82.61%
+3.1% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 19.58%
-3.0% YoY +4.2% QoQ
-1.00% 20.58%
+4.9% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
36%
Nonperforming Asset Ratio ? 0.24%
+22.5% YoY +95.2% QoQ
-0.49% 0.73%
+5.8% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
83%
Tier 1 Capital Ratio ? 12.02%
+6.2% YoY +0.8% QoQ
-3.33% 15.35%
-0.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.50%
-3.6% YoY +90.7% QoQ
+0.00% 0.50%
+10.5% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
73%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 19.6%
-0.6pp YoY
+0.8pp QoQ
 -1.5pp 21.0% 23.5% 22.2% 34%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -9.2pp 9.2% 5.4% 8.5% 4%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 21.0%
-0.3pp YoY
-0.4pp QoQ
 +3.8pp 17.2% 8.6% 12.5% 72%
CRE 52.9%
-0.5pp YoY
-0.8pp QoQ
 +10.8pp 42.0% 37.1% 41.4% 68%
1-4 Family 23.4%
+1.1pp YoY
+1.4pp QoQ
 +0.3pp 23.1% 41.6% 31.3% 57%
Consumer 1.5%
-0.6pp YoY
-0.5pp QoQ
 -11.4pp 12.9% 4.8% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 12.0%
+0.7pp YoY
+0.1pp QoQ
 -3.2pp 15.3% 20.2% 19.7% 23%
Leverage Ratio 10.7%
+0.9pp YoY
+0.4pp QoQ
 +0.3pp 10.4% 14.0% 12.6% 67%
Total Capital Ratio 13.3%
+0.7pp YoY
+0.1pp QoQ
 -3.2pp 16.5% 21.3% 20.8% 23%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 1,270
+152 (+13.6%) YoY
+126 (+11.0%) QoQ
 -1,988 3,258 105 482 28%
Assets per Employee ($) $8.2M
-0.9% YoY
-1.3% QoQ
 -$18.9M $27.0M $6.3M $8.8M 14%
Branch Count 85
+8 (+10.4%) YoY
+6 (+7.6%) QoQ
 -53 137 8 18 50%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.3pp 0.4% 0.3% 0.4% 58%
Nonaccrual 0.3%
0.0pp YoY
+0.1pp QoQ
 -0.5pp 0.7% 0.8% 1.0% 15%
Allowance Coverage 4.46x
-11.3% YoY
-45.4% QoQ
 +1.65x 2.81x 7.45x 20.23x 89%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.1% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 14.1%
-0.1pp YoY
+0.2pp QoQ
 +1.5pp 12.6% 13.3% 11.6% 72%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 2.0% 1.7% 1.7% 43%
Net Income ($, YTD) $80.4M
+16.0% YoY
— QoQ
 -$216.4M $296.8M $5.1M $40.4M 22%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#13 of 35 • Top 34.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.31%
(Tier: 1.01%, National: 0.98%)
better than tier avg
35 of 35 Large banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#8 of 67 • Bottom 10.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.31%
(Tier: 1.01%, National: 0.98%)
better than tier avg
67 of 67 Large banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (3 metrics)

21
Delinquency Rate
credit_quality
Value: 0.31%
Peer Median: 1.01%
#21 of 138 Top 14.5% in $10B-$250B
24
Nonperforming Asset Ratio
credit_quality
Value: 0.24%
Peer Median: 0.73%
#24 of 139 Top 16.5% in $10B-$250B
30
Return on Assets
profitability
Value: 1.64%
Peer Median: 1.39%
#30 of 139 Top 20.9% in $10B-$250B

Top Weaknesses (5 metrics)

136
Total Assets
size
Value: $10.36B
Peer Median: $43.60B
#136 of 139 Bottom 2.9% in $10B-$250B
135
Total Deposits
size
Value: $8.49B
Peer Median: $35.42B
#135 of 139 Bottom 3.6% in $10B-$250B
126
Total Loans
size
Value: $7.78B
Peer Median: $27.97B
#126 of 139 Bottom 10.1% in $10B-$250B
109
Tier 1 Capital Ratio
capital
Value: 12.02%
Peer Median: 15.35%
#109 of 139 Bottom 22.3% in $10B-$250B
108
Loan-to-Deposit Ratio
liquidity
Value: 91.68%
Peer Median: 82.61%
#108 of 139 Bottom 23.0% in $10B-$250B
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