Stock Yards Bank & Trust Company
Louisville, Kentucky, Jefferson County
$10.4B in total assets, the 162nd largest of 4,309 US banks and 1st of 120 headquartered in Kentucky.
- FDIC certificate
- 258
- Established
- 1904
- Owned by
- Stock Yards Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.syb.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $10.4B | 2% | $22.5B | |
| Loans | $7.9B | 11% | $14.5B | |
| Deposits | $8.5B | 4% | $18.4B | |
| Return on assets | 1.62% | 81% | 1.29% | |
| Net interest margin | 3.75% | 56% | 3.61% | |
| Efficiency ratio | 51.5% | 36% | 55.2% | |
| Equity to assets | 11.99% | 62% | 11.57% | |
| Loans to deposits | 93% | 75% | 87% |
Growth
Total assets grew 11.3% a year over the last 5 years and 13.6% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| May 2026 | Field & Main Bank Henderson, KY | $860M |
| Mar 2022 | Commonwealth Bank and Trust Company Louisville, KY | $1.3B |
| Jun 2021 | Kentucky Bank Paris, KY | $1.3B |
| May 2019 | King Southern Bank Chaplin, KY | $194M |
| May 2013 | THE BANK - Oldham County, Inc. Lagrange, KY | $143M |
| May 1998 | Stock Yards Bank & Trust Company Austin, IN, an affiliate under the same holding company | $26M |
Where they operate
83 branches in 31 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Jefferson County, KY | $3.7B | 11.3% | 4 of 28 |
| Hamilton County, OH | $634M | 0.4% | 10 of 32 |
| Oldham County, KY | $528M | 42.9% | 1 of 10 |
| Henderson County, KY | $525M | 45.2% | 1 of 8 |
| Harrison County, KY | $276M | 65.8% | 1 of 3 |
| Floyd County, IN | $269M | 4.8% | 4 of 14 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 46 branches since 2016 (37 to 83, +124.3%). 12 opened, 43 acquired, 9 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 37 | |||
| 2018 | Opened Plainfield | 1 | 0 | +1 | 38 |
| 2019 | Acquired King Southern BankOpened Mount Washington, closed Louisville | 6 | 2 | +4 | 42 |
| 2020 | Opened Cincinnati and Louisville | 2 | 0 | +2 | 44 |
| 2021 | Acquired Kentucky BankOpened Lexington, closed Paris | 20 | 1 | +19 | 63 |
| 2022 | Acquired Commonwealth Bank and Trust CompanyClosed Florence | 13 | 1 | +12 | 75 |
| 2023 | Closed Louisville | 0 | 1 | −1 | 74 |
| 2024 | Opened Greenwood and MasonClosed Chaplin and Indianapolis | 2 | 2 | 0 | 74 |
| 2025 | Opened 3 in 3 states | 3 | 0 | +3 | 77 |
| 2026 through Q2 | Acquired Field & Main BankOpened Richmond and Zionsville, closed Richmond | 8 | 2 | +6 | 83 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 35% | 25% | |
| 1-4 family residential | 23% | 21% | |
| Business (C&I) | 21% | 17% | |
| Construction and land | 10% | 6% | |
| Multifamily | 7% | 8% | |
| Consumer | 1% | 10% | |
| Farmland | 1% | 1% | |
| Other | 1% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 59% | 62% | |
| Time deposits | 22% | 18% | |
| Noninterest-bearing | 20% | 20% |
Brokered deposits are 0.0% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.31% | 0.63% |
| Net charge-offs, annualized | -0.00% | 0.14% |
| Reserves to loans | 1.38% | 1.14% |
| Leverage ratio | 10.74% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kentucky
Largest competitors in Jefferson County, KY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/stock-yards