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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Kentucky, the state note

Stock Yards Bank & Trust Co.

Louisville, Kentucky · $10.36B in assets · beside the 11 other the South Central states banks over $10B (the state alone holds too few in the band to rank)

The filing

0.31%
NPA / loans
1st of 12
4.5x
Coverage of noncurrent
1st of 12
+15.1%
Loans, year over year
2nd of 12, largest first

Stock Yards Bank & Trust Co. is the eleventh largest of the 12 the South Central states banks nearest its size over $10B, with $10.36B in assets at 30 June 2026. Loans are 93.0% of deposits, 9th of 12 against a median of 90.8%, and equity is 12.0% of assets, 5th of 12. Loans grew +15.1% in the year, 2nd of 12, and deposits grew 13.1%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 0.31% of the book, the lowest in the cohort against a median of 0.92%; 0.33% is 30 to 89 days past due, and the allowance covers them 4.5 times. Commercial real estate is 36.0% of loans, 6th of 12 against a median of 36.9%, and 248% of capital, below the 300% screen, with construction at 67% against the 100% screen. CRE has grown +51.4% over 36 months, past the guidance's 50% prong.

Return on assets is 1.62%, 3rd of 12 against a median of 1.39%, on an efficiency ratio of 52.6%, 4th of 12. Five years ago it was 1.13%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Nonperforming loans, share of loansSouth Central states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 0.92% SY Stock Yards Bank & Trust Co. 0.31% CB Centennial Bank 0.55% HW Hancock Whitney Bank 0.57% FH First Horizon Bank 0.83% AB Arvest Bank 0.86% SB Simmons Bank 0.92% BO Bank Ozk 0.92% RB Renasant Bank 0.96% OB Origin Bank 0.97% TB Trustmark Bank 1.14% SB Servisfirst Bank 1.18% F Firstbank 1.40%
Loans, year over yearSouth Central states banks over $10B · 30 June 2026 · no better direction, largest first
median +5.3% F Firstbank +30.4% SY Stock Yards Bank & Trust Co. +15.1% CB Centennial Bank +12.9% SB Servisfirst Bank +9.3% AB Arvest Bank +7.0% SB Simmons Bank +5.6% OB Origin Bank +5.0% HW Hancock Whitney Bank +4.9% TB Trustmark Bank +3.9% FH First Horizon Bank +3.4% RB Renasant Bank +2.7% BO Bank Ozk -1.3%

SBA 7(a), FY2008 to FY2026

Stock Yards Bank & Trust Co. is the 2nd largest 7(a) lender into Kentucky of 267, with $241M across 552 loans, 7.7% of everything approved in the state (The Huntington National Bank leads with $254M). 30 of its 71 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Kentucky, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Jefferson, KY$156M1st of 12318.2%+11.8 pts
Marion, IN$34M12th of 1722.1%+0.7 pts
Hamilton, OH$30M12th of 1222.1%-1.3 pts
Shelby, KY$15M1st of 3324.4%+24.2 pts
Kenton, KY$15M2nd of 527.4%-4.4 pts
Clark, IN$15M2nd of 5311.5%-0.4 pts
Vanderburgh, IN$13M7th of 655.4%+5.6 pts
Oldham, KY$11M1st of 4013.6%+18.2 pts
Fayette, KY$11M9th of 853.5%+9.6 pts
Campbell, KY$11M2nd of 3316.2%+29.2 pts
Floyd, IN$8M1st of 4010.7%+13.5 pts
Hamilton, IN$7M27th of 1320.8%-0.3 pts
Montgomery, OH$7M20th of 1110.9%-0.2 pts
58 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing115$68M17.3%0.17%104th of 2,246
Construction96$51M13.1%0.16%101st of 2,063
Accommodation & food services123$50M12.8%0.07%222nd of 2,596
Retail trade104$36M9.1%0.06%220th of 2,589
Other services71$31M7.8%0.09%179th of 2,248
7(a) lenders into Kentucky, share of approvals since FY2008267 lenders on record; the ten largest and Stock Yards
TH The Huntington National Bank 8.1% $254M · 1,146 loans SY Stock Yards Bank & Trust Company 7.7% $241M · 552 loans LO Live Oak Banking Company 7.4% $232M · 177 loans UB U.S. Bank, National Association 6.6% $206M · 1,215 loans CT Community Trust Bank, Inc. 5.7% $177M · 1,139 loans RB Republic Bank & Trust Company 4.4% $136M · 414 loans JC JPMorgan Chase Bank, National Ass… 2.1% $67M · 343 loans FF First Financial Bank 2.0% $64M · 158 loans G Gbank 2.0% $61M · 31 loans FT Fifth Third Bank 1.9% $58M · 209 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Stock YardsRankCohort median
Total CRE against capital, the 300% screen248%6th of 12252%
Construction against capital, the 100% screen67%6th of 1267%
Construction and land development, share of loans9.8%6th of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans19.3%5th of 1221.4%
Total CRE, the guidance definition, share of loans36.0%6th of 1236.9%
CRE growth over 36 months, the third prong+51.4%10th of 12+14.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Horizon Bank$84.12B1.4%56.0%0.83%0.19%1.1%95.7%11.2%
Bank Ozk$41.70B1.6%39.5%0.92%0.62%1.4%95.8%15.1%
Hancock Whitney Bank$36.33B1.0%55.3%0.57%0.17%1.3%82.4%12.0%
Arvest Bank$28.05B0.5%81.6%0.86%0.37%1.1%83.2%8.4%
Renasant Bank$26.99B1.4%55.7%0.96%0.05%1.5%87.7%15.4%
Simmons Bank$24.73B1.2%56.8%0.92%0.20%1.3%90.7%13.1%
Centennial Bank$24.55B2.0%42.2%0.55%0.07%1.9%87.1%17.2%
Trustmark Bank$19.19B1.3%63.0%1.14%0.12%1.0%87.6%11.6%
Servisfirst Bank$18.34B1.9%29.6%1.18%0.17%1.3%99.5%10.9%
Firstbank$16.76B1.5%52.8%1.40%0.08%1.5%90.9%11.7%
Stock Yards Bank & Trust Co.$10.36B1.6%52.6%0.31%0.00%1.4%93.0%12.0%
Origin Bank$10.18B1.2%57.1%0.97%0.08%1.2%92.6%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Stock YardsCohort median
20212026Change20212026Change
Loans$4.21B$7.89B+87%$10.62B$17.56B+65%
Deposits$5.26B$8.49B+61%$14.43B$19.75B+37%
NPA / loans0.33%0.31%-0.02 pts0.61%0.92%+0.31 pts
Efficiency62.9%52.6%-10.3 pts62.9%55.5%-7.4 pts
ROA1.13%1.62%+0.49 pts1.40%1.39%-0.01 pts

This read was prepared for Stock Yards Bank & Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Stock Yards Bank & Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks over $10B
Institution www.syb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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