BlastPoint's Banking Scorecard

Stock Yards Bank & Trust Company

$1B-$10B Specialty: Commercial KY FDIC cert 258

Louisville, KY

87 branches across KY · IN · OH

884 banks in the $1B-$10B peer group nationally 17 in 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 48.6% in tier
+ ROA 0.23% above tier average
+ Efficiency Ratio 9.81% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 37.4% in tier
- Net Interest Margin 0.17% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$9.5B +5.2% YoY -0.8% QoQ	+$6.6B	$2.8B -0.1% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	Top 1.2% in tier
Total Loans ?	$7.1B +8.7% YoY +2.6% QoQ	+$5.2B	$2.0B +0.6% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	Top 0.7% in tier
Total Deposits ?	$7.8B +6.4% YoY -0.4% QoQ	+$5.4B	$2.3B -0.3% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	Top 1.7% in tier
Return on Assets ?	1.60% +4.3% YoY +1.5% QoQ	+0.23%	1.37% +19.6% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	76%
Net Interest Margin ?	3.64% +3.5% YoY +0.4% QoQ	-0.17%	3.82% +6.9% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	51.25% -1.3% YoY +0.3% QoQ	-9.81%	61.06% -4.6% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	0.16% -34.8% YoY -14.4% QoQ	-0.73%	0.89% +14.1% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	83%
Loan-to-Deposit Ratio ?	92.00% +2.2% YoY +3.1% QoQ	+7.80%	84.20% +0.3% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	18.79% -8.6% YoY +1.9% QoQ	-2.49%	21.29% -2.5% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	45%
Nonperforming Asset Ratio ?	0.12% -31.8% YoY -11.3% QoQ	-0.55%	0.67% +15.6% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	83%
Tier 1 Capital Ratio ?	11.93% +5.9% YoY +0.9% QoQ	-3.23%	15.16% +2.0% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.26% +1.7% YoY -74.4% QoQ	+0.00%	0.26% +1.6% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	82%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#108 of 220 • Top 48.6% in tier

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

Why this signature

Delinquency Rate: 0.16%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#126 of 334 • Bottom 37.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.00%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (8 metrics)

Total Loans

size

Value: $7.14B

Peer Median: $1.96B

#7 of 884 Top 0.7% in $1B-$10B

Total Assets

size

Value: $9.46B

Peer Median: $2.82B

#12 of 884 Top 1.2% in $1B-$10B

Total Deposits

size

Value: $7.76B

Peer Median: $2.34B

#16 of 884 Top 1.7% in $1B-$10B

153

Delinquency Rate

credit_quality

Value: 0.16%

Peer Median: 0.89%

#153 of 880 Top 17.3% in $1B-$10B

154

Nonperforming Asset Ratio

credit_quality

Value: 0.12%

Peer Median: 0.67%

#154 of 884 Top 17.3% in $1B-$10B

163

Non-Interest Income / Assets

revenue_mix

Value: 0.26%

Peer Median: 0.26%

#163 of 884 Top 18.3% in $1B-$10B

216

Return on Assets

profitability

Value: 1.60%

Peer Median: 1.37%

#216 of 884 Top 24.3% in $1B-$10B

219

Efficiency Ratio

profitability

Value: 51.25%

Peer Median: 61.06%

#219 of 884 Top 24.7% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available