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Stock Yards Bank & Trust Company
Louisville, KY · FDIC Certificate #258 · Chartered 06/0
Total assets
$10.36B
Total deposits
$8.49B
Total equity
$1.24B
Net loans
$7.78B
Branches (offices)
83
Net income (YTD)
$80.42M
Rank: #157 of 4,213 U.S. banks by assets · #1 of 120 in Kentucky. Assets changed 12.6% and deposits 13.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.64% |
| Return on equity | 14.12% |
| Net interest margin (YTD) | 3.75% |
| Equity to assets | 11.99% |
| Tier 1 leverage ratio | 10.74% |
| Uninsured deposits (share of deposits) | 41.0% |
| Noncurrent loans (share of loans) | 0.31% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 91.7% |
| Real estate loans (share of loans) | 77.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $6.01B | 77.3% | |
| Commercial & industrial | $1.63B | 21.0% | |
| Consumer / individual | $117.94M | 1.5% | |
| Construction & development | $771.07M | 9.9% | |
| Agricultural | $30.88M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $7.56B | $6.57B | $35.41M | $724.03M |
| Jun 2023 | $7.72B | $6.21B | $57.52M | $809.46M |
| Jun 2024 | $8.31B | $6.57B | $55.95M | $898.67M |
| Jun 2025 | $9.20B | $7.51B | $69.32M | $1.01B |
| Jun 2026 | $10.36B | $8.49B | $80.42M | $1.24B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $6.96B | 65 |
| Indiana | $881.08M | 12 |
| Ohio | $649.91M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $8.49B.
Similar-sized banks
Amarillo National Bank ($10.38B) · Amerant Bank, National Association ($10.27B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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