Stock Yards Bank & Trust Company Mortgage Rates, Fees & Info
Louisville, KYLEI: 4LJGQ9KJ9S0CP4B1FY29
Tax ID: 61-0354170
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Overview
Stock Yards Bank & Trust Company is a smaller bank specializing in Home Purchase and Refi loans. Stock Yards Bank & Trust Company has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Louisville/jefferson County, Lexington, Cincinnati, Indianapolis, and Richmond among others. Stock Yards Bank & Trust Company has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Stock Yards Bank & Trust Company is typically a low fee lendor.Originations
2,218Origination Dollar Volume (All Markets)
$510,550,000Employee count
820 Show all (15) awardsRelative Rate
Stock Yards Bank & Trust Company's average 30 year fixed rate mortgage of loans were
3.08%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.07%.
Relative Fees
Stock Yards Bank & Trust Company's average total fees for a 30 year fixed rate
mortgage are $2,685.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 1,388 | $256,920,000 | $185,101 | $2,254 | 3.06% |
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 198 | $47,380,000 | $239,293 | $2,816 | 2.98% |
CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 167 | $46,345,000 | $277,515 | $3,013 | 3.10% |
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 108 | $36,950,000 | $342,130 | $2,024 | 3.16% |
Richmond-Berea, KY (FHA|USDA|VA) | 50 | $27,260,000 | $545,200 | $2,967 | 2.93% |
Outside of Metro Areas | 121 | $20,035,000 | $165,579 | $2,876 | 2.93% |
COLUMBUS, IN (FHA|USDA|VA) | 1 | $12,065,000 | $12,065,000 | $0 | 3.50% |
EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $9,760,000 | $4,880,000 | $0 | 3.75% |
DAYTON-KETTERING, OH (FHA|USDA|VA) | 13 | $5,505,000 | $423,462 | $2,724 | 3.19% |
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 28 | $4,720,000 | $168,571 | $2,830 | 3.11% |
Bardstown, KY (FHA|USDA|VA) | 25 | $3,895,000 | $155,800 | $2,732 | 3.00% |
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $0 | 3.75% |
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $2,870,000 | $478,333 | $4,133 | 3.25% |
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $2,415,000 | $805,000 | $7,328 | 3.00% |
Key West, FL (FHA|USDA|VA) | 1 | $2,335,000 | $2,335,000 | $12,264 | 3.25% |
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $2,190,000 | $365,000 | $4,943 | 3.10% |
Kalispell, MT (FHA|USDA|VA) | 1 | $2,125,000 | $2,125,000 | $13,422 | 3.00% |
Heber, UT (FHA|USDA|VA) | 1 | $1,955,000 | $1,955,000 | $6,545 | 3.50% |
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 6 | $1,900,000 | $316,667 | $2,235 | 3.17% |
Mount Sterling, KY (FHA|USDA|VA) | 11 | $1,695,000 | $154,091 | $3,993 | 3.03% |
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $1,590,000 | $795,000 | $3,634 | 3.38% |
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 3.75% |
Scottsburg, IN (FHA|USDA|VA) | 13 | $1,265,000 | $97,308 | $2,046 | 2.61% |
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $4,328 | 3.08% |
KNOXVILLE, TN (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $1,943 | 3.00% |
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $4,577 | 3.75% |
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $0 | 4.00% |
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $2,500 | 3.57% |
Somerset, KY (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $2,381 | 2.71% |
Breckenridge, CO (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $0 | 3.90% |
Sevierville, TN (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $0 | 4.00% |
Danville, KY (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,940 | 3.19% |
Seneca, SC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,655 | 2.81% |
BOWLING GREEN, KY (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $2,608 | 2.81% |
OWENSBORO, KY (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $2,631 | 2.63% |
Frankfort, KY (FHA|USDA|VA) | 7 | $545,000 | $77,857 | $2,517 | 3.61% |
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 5 | $525,000 | $105,000 | $3,216 | 3.25% |
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,287 | 3.50% |
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $2,365 | 3.79% |
Seymour, IN (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,102 | 2.63% |
Madison, IN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,366 | 3.38% |
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $1,500 | 2.37% |
COLUMBUS, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,608 | 3.75% |
MUNCIE, IN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 4.00% |
Bozeman, MT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,197 | 2.88% |
SAVANNAH, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,342 | 2.75% |
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,453 | 3.25% |
SUMTER, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,506 | 2.75% |
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,085 | 3.00% |
Maysville, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,221 | 3.25% |
Glasgow, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,228 | 3.15% |
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.25% |
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,933 | 3.13% |
ASHEVILLE, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,221 | 2.63% |
Jasper, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,975 | 2.75% |
London, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,448 | 3.00% |
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,031 | 2.63% |
Stock Yards Bank & Trust Company's top markets include Louisville/jefferson County, Lexington, Cincinnati, Indianapolis, and Richmond among others.
Product Mix
Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Conventional | 2,090 | $488,440,000 | $233,703 | $2,262 | 3.07% |
FHA | 86 | $13,850,000 | $161,047 | $4,908 | 2.95% |
VA | 24 | $5,410,000 | $225,417 | $4,587 | 2.72% |
USDA | 18 | $2,850,000 | $158,333 | $3,894 | 2.53% |
For the 2021 period, Stock Yards Bank & Trust Company's most frequently originated loan type of loans were Conventional, with 2,090 originations. Their 2nd most popular type is FHA, with 86 originations.
Loan Reason
Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Home Purchase | 746 | $222,220,000 | $297,882 | $2,886 | 3.24% |
Refi | 672 | $169,040,000 | $251,548 | $2,100 | 2.94% |
Cash Out Refi | 308 | $58,280,000 | $189,221 | $2,257 | 3.01% |
Other | 283 | $37,295,000 | $131,784 | $3,025 | 2.94% |
Home Improvement | 209 | $23,715,000 | $113,469 | $1,674 | 2.95% |
For the 2021, Stock Yards Bank & Trust Company's most frequently cited loan purpose of loans were Home Purchase, with 746 originations. The 2nd most popular reason of loans were Refi, with 672 originations.
Loan Duration/Length
Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
30 Year | 1,048 | $243,690,000 | $232,529 | $2,685 | 3.08% |
10 Year | 596 | $87,840,000 | $147,383 | $783 | 2.93% |
15 Year | 264 | $46,200,000 | $175,000 | $2,089 | 2.60% |
20 Year | 120 | $23,250,000 | $193,750 | $2,196 | 3.11% |
5 Year | 120 | $63,720,000 | $531,000 | $0 | 3.88% |
Other | 45 | $37,025,000 | $822,778 | $2,286 | 3.82% |
1 Year | 15 | $3,915,000 | $261,000 | $1,061 | 4.04% |
3 Year | 7 | $4,035,000 | $576,429 | $0 | 3.93% |
30+ year | 3 | $875,000 | $291,667 | $6,760 | 4.00% |
For the 2021, Stock Yards Bank & Trust Company's most frequently cited loan length of loans were 30 Year, with 1,048 originations. The 2nd most popular length of loans were 10 Year, with 596 originations.
Origination Fees
Origination Fee | Originations | Total Value | Average Loan |
---|---|---|---|
$<1k | 1,335 | $290,165,000 | $217,352 |
$1k-2k | 27 | $5,815,000 | $215,370 |
$2k-3k | 10 | $2,000,000 | $200,000 |
$3k-4k | 8 | $2,730,000 | $341,250 |
$5k+ | 2 | $800,000 | $400,000 |
$2,685 of loans were Stock Yards Bank & Trust Company's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,335 originations.
Interest Rates
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
3-4% | 905 | $285,865,000 | $315,873 |
2.5-3% | 824 | $151,420,000 | $183,762 |
<2.5% | 428 | $59,000,000 | $137,850 |
4-5% | 43 | $14,155,000 | $329,186 |
5-6% | 18 | $110,000 | $6,111 |
During 2021, Stock Yards Bank & Trust Company's average interest rate of loans were 3.08%, while their most frequently originated rate bucket of loans were 3-4%, with 905 originations.
Loan Sizing
Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
$100k-200k | 861 | $123,715,000 | $143,688 | $2,370 | 3.02% |
$100,000 or less | 572 | $31,520,000 | $55,105 | $1,619 | 2.98% |
$200k-400k | 560 | $150,280,000 | $268,357 | $2,761 | 3.08% |
$400k-600k | 133 | $63,955,000 | $480,865 | $3,170 | 3.12% |
$600k-1MM | 53 | $39,605,000 | $747,264 | $3,342 | 3.52% |
$1MM+ | 39 | $101,475,000 | $2,601,923 | $7,745 | 3.62% |
2021 saw Stock Yards Bank & Trust Company place emphasis on $100k-200k loans with 861 originations, totaling $123,715,000 in origination value.
Applicant Income
Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
$50k or less | 488 | $54,250,000 | $111,168 | $2,254 | 2.93% |
$50k-75k | 474 | $71,700,000 | $151,266 | $2,445 | 2.99% |
$100k-150k | 351 | $68,995,000 | $196,567 | $2,468 | 3.04% |
$75k-100k | 280 | $45,750,000 | $163,393 | $2,570 | 3.01% |
$150k-250k | 238 | $56,220,000 | $236,218 | $2,513 | 3.00% |
$250k+ | 213 | $85,705,000 | $402,371 | $3,375 | 2.96% |
Stock Yards Bank & Trust Company lent most frequently to those with incomes in the $50k or less range, with 488 originations. The second most popular income band? $50k-75k, with 474 originations.
Applicant Debt to Income Ratio
DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
20-30% | 594 | $108,320,000 | $182,357 | $2,405 | 2.97% |
<20% | 383 | $69,405,000 | $181,214 | $2,277 | 2.95% |
30-36% | 354 | $64,320,000 | $181,695 | $2,500 | 2.92% |
39% | 81 | $14,135,000 | $174,506 | $2,642 | 2.95% |
36% | 77 | $12,505,000 | $162,403 | $2,418 | 3.07% |
40% | 66 | $12,100,000 | $183,333 | $2,428 | 3.08% |
41% | 57 | $11,465,000 | $201,140 | $2,284 | 3.01% |
37% | 56 | $11,990,000 | $214,107 | $2,698 | 3.12% |
44% | 55 | $9,795,000 | $178,091 | $2,396 | 3.28% |
38% | 52 | $10,460,000 | $201,154 | $2,798 | 2.77% |
42% | 48 | $10,110,000 | $210,625 | $2,959 | 3.23% |
43% | 39 | $6,555,000 | $168,077 | $2,441 | 3.00% |
>60% | 33 | $11,205,000 | $339,545 | $3,080 | 3.32% |
47% | 31 | $5,225,000 | $168,548 | $2,567 | 2.96% |
46% | 27 | $6,145,000 | $227,593 | $3,040 | 3.00% |
45% | 27 | $4,325,000 | $160,185 | $2,739 | 2.92% |
49% | 24 | $5,560,000 | $231,667 | $2,854 | 3.10% |
50-60% | 21 | $5,375,000 | $255,952 | $3,611 | 3.03% |
48% | 19 | $3,545,000 | $186,579 | $2,417 | 2.75% |
Stock Yards Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 594 originations. The next most common DTI ratio? <20%, with 383 originations.
Ethnicity Mix
Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
White | 1,782 | $329,800,000 | $185,073 | $2,494 | 2.99% |
Not applicable | 169 | $126,505,000 | $748,550 | $0 | 3.89% |
Not provided | 164 | $34,950,000 | $213,110 | $2,421 | 2.97% |
Asian | 45 | $9,595,000 | $213,222 | $2,475 | 2.92% |
Black | 48 | $7,730,000 | $161,042 | $2,459 | 2.90% |
Filipino | 3 | $765,000 | $255,000 | $3,122 | 3.88% |
Asian Indian | 2 | $330,000 | $165,000 | $3,295 | 3.44% |
Chinese | 1 | $285,000 | $285,000 | $2,494 | 3.81% |
American Indian | 2 | $270,000 | $135,000 | $2,288 | 3.13% |
Native Hawaiian | 1 | $205,000 | $205,000 | $1,875 | 2.88% |
Korean | 1 | $115,000 | $115,000 | $2,307 | 2.88% |
Approval Rates
Total approvals of all applications85.86%
Stock Yards Bank & Trust Company has an average approval rate.
Pick Rate
Approvals leading to origination81.71%
Stock Yards Bank & Trust Company has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
NA | 2,218 | $510,550,000 | $230,185 |
Occupancy Type Mix
Dwelling Type | Originations | Total Value | Average Loan |
---|---|---|---|
2,218 | $510,550,000 | $230,185 |
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
20-40% | 290 | $41,280,000 | $142,345 | $2,025 | 2.87% |
40-60% | 399 | $90,105,000 | $225,827 | $2,140 | 2.98% |
60-80% | 677 | $214,725,000 | $317,171 | $2,415 | 3.18% |
80-100% | 533 | $144,655,000 | $271,398 | $3,002 | 3.11% |
Over 100% | 2 | $460,000 | $230,000 | $4,962 | 2.75% |
Under 20% | 317 | $19,325,000 | $60,962 | $771 | 2.96% |
Complaints
Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
South Carolina State Housing Finance and Development Authority | Conventional home mortgage | Trouble during payment process | 1 | 50.0% |
South Carolina State Housing Finance and Development Authority | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
Bank Details
Branches
Bank Name | Branch | Branch Type | Deposits (000's) |
---|---|---|---|
Stock Yards Bank & Trust Company | 1975 Bypass Road Winchester, KY 40391 | Full Service B&M | $49,439 |
Stock Yards Bank & Trust Company | 10000 Will Way Louisville, KY 40291 | Full Service B&M | $56,417 |
Stock Yards Bank & Trust Company | 1001 Gibson Bay Drive, Suite 101 Richmond, KY 40476 | Full Service B&M | $75,721 |
Stock Yards Bank & Trust Company | 101 West Fourth Street Cincinnati, OH 45202 | Full Service Retail | $86,250 |
Stock Yards Bank & Trust Company | 103 West Showalter Drive Georgetown, KY 40324 | Full Service B&M | $30,711 |
Stock Yards Bank & Trust Company | 1040 E Main St Louisville, KY 40206 | Full Service B&M | $976,877 |
Stock Yards Bank & Trust Company | 10421 Taylorsville Road Louisville, KY 40299 | Limited, Drive-thru | $13,485 |
Stock Yards Bank & Trust Company | 10517 Dixie Highway Louisville, KY 40272 | Full Service B&M | $3,671 |
Stock Yards Bank & Trust Company | 3063 Breckinridge Lane Louisville, KY 40220 | Full Service B&M | $55,221 |
Stock Yards Bank & Trust Company | 3113 Glendale Milford Road Cincinnati, OH 45241 | Full Service B&M | $31,653 |
Stock Yards Bank & Trust Company | 3230 East 10th St Jeffersonville, IN 47130 | Full Service B&M | $67,976 |
Stock Yards Bank & Trust Company | 345 South Perry Rd Plainfield, IN 46168 | Full Service B&M | $15,051 |
Stock Yards Bank & Trust Company | 360 East Vine Street, Suite 100 Lexington, KY 40507 | Full Service B&M | $24,627 |
Stock Yards Bank & Trust Company | 3794 Lexington Road Louisville, KY 40207 | Full Service B&M | $167,790 |
Stock Yards Bank & Trust Company | 400 Main Street Paris, KY 40361 | Limited, Drive-thru | $0 |
Stock Yards Bank & Trust Company | 400 West First Street Morehead, KY 40351 | Full Service B&M | $43,254 |
Stock Yards Bank & Trust Company | 4016 Poplar Level Road Louisville, KY 40213 | Full Service B&M | $272,015 |
Stock Yards Bank & Trust Company | 4098 Dutchmans Lane Louisville, KY 40207 | Full Service B&M | $46,765 |
Stock Yards Bank & Trust Company | 4161 Tates Creek Centre Drive Lexington, KY 40517 | Full Service B&M | $1,220 |
Stock Yards Bank & Trust Company | 4537 Outer Loop Louisville, KY 40219 | Full Service B&M | $81,679 |
Stock Yards Bank & Trust Company | 7124 Miami Avenue Madeira, OH 45243 | Full Service B&M | $113,484 |
Stock Yards Bank & Trust Company | 724 West Main Street Richmond, KY 40475 | Full Service B&M | $0 |
Stock Yards Bank & Trust Company | 7915-A South Emerson Avenue Indianapolis, IN 46237 | Full Service B&M | $29,573 |
Stock Yards Bank & Trust Company | 920 North Main Street Nicholasville, KY 40356 | Full Service B&M | $61,630 |
Stock Yards Bank & Trust Company | 9201 U.S. Highway 42 Prospect, KY 40059 | Full Service B&M | $52,721 |
Stock Yards Bank & Trust Company | 939 Us Highway 27 South Cynthiana, KY 41031 | Full Service B&M | $115,255 |
Stock Yards Bank & Trust Company | 9400 Brownsboro Road Louisville, KY 40241 | Full Service B&M | $126,476 |
Stock Yards Bank & Trust Company | Fourth And Main Streets Paris, KY 40361 | Full Service B&M | $169,242 |
Stock Yards Bank & Trust Company | Lexington Road Paris, KY 40361 | Full Service B&M | $44,751 |
Stock Yards Bank & Trust Company | 108 East Main Street Wilmore, KY 40390 | Full Service B&M | $18,504 |
Stock Yards Bank & Trust Company | 111 Chaplin Road Bloomfield, KY 40008 | Full Service B&M | $15,647 |
Stock Yards Bank & Trust Company | 11450 N. Meridian Street Carmel, IN 46032 | Full Service Retail | $83,993 |
Stock Yards Bank & Trust Company | 11751 Bluegrass Parkway Louisville, KY 40299 | Full Service B&M | $96,636 |
Stock Yards Bank & Trust Company | 11800 Shelbyville Road Louisville, KY 40243 | Full Service B&M | $226,910 |
Stock Yards Bank & Trust Company | 12889 W. Hwy 42 Prospect, KY 40059 | Full Service B&M | $47,375 |
Stock Yards Bank & Trust Company | 12900 Factory Lane Louisville, KY 40245 | Full Service B&M | $71,431 |
Stock Yards Bank & Trust Company | 144 South Kentucky 7 Sandy Hook, KY 41171 | Full Service B&M | $55,462 |
Stock Yards Bank & Trust Company | 1500 Flemingsburg Road Morehead, KY 40351 | Full Service B&M | $46,061 |
Stock Yards Bank & Trust Company | 160 Dakota Ct / The Village Center Lot 2b Mount Washington, KY 40047 | Full Service B&M | $8,690 |
Stock Yards Bank & Trust Company | 1710 Fitzgerald Court Lexington, KY 40509 | Full Service B&M | $13,490 |
Stock Yards Bank & Trust Company | 183 Adam Shepherd Parkway Shepherdsville, KY 40165 | Full Service B&M | $145,739 |
Stock Yards Bank & Trust Company | 4640 Southern Pkwy Louisville, KY 40214 | Full Service B&M | $47,400 |
Stock Yards Bank & Trust Company | 4790 Houston Road Florence, KY 41042 | Full Service B&M | $33,483 |
Stock Yards Bank & Trust Company | 4800 Brownsboro Road Louisville, KY 40207 | Full Service B&M | $80,333 |
Stock Yards Bank & Trust Company | 50 North Maple Street Winchester, KY 40391 | Full Service B&M | $52,113 |
Stock Yards Bank & Trust Company | 5026 Mud Lane Louisville, KY 40229 | Full Service B&M | $58,223 |
Stock Yards Bank & Trust Company | 515 South First Street Lagrange, KY 40031 | Full Service B&M | $170,016 |
Stock Yards Bank & Trust Company | 520 Marsailles Road Versailles, KY 40383 | Full Service B&M | $77,266 |
Stock Yards Bank & Trust Company | 5220 Dixie Highway Louisville, KY 40216 | Full Service B&M | $93,909 |
Stock Yards Bank & Trust Company | 5916 Lawrenceburg Road Chaplin, KY 40012 | Full Service B&M | $21,066 |
Stock Yards Bank & Trust Company | 6317 West Highway 146 Crestwood, KY 40014 | Full Service B&M | $84,035 |
Stock Yards Bank & Trust Company | 660 University Shopping Center Richmond, KY 40475 | Full Service B&M | $87,716 |
Stock Yards Bank & Trust Company | 6840 Lake Plaza Drive Indianapolis, IN 46220 | Full Service B&M | $35,022 |
Stock Yards Bank & Trust Company | 201 N Illinois Street, Suite 100 Indianapolis, IN 46204 | Full Service B&M | $51,366 |
Stock Yards Bank & Trust Company | 214 South Fifth Street Louisville, KY 40202 | Full Service B&M | $126,953 |
Stock Yards Bank & Trust Company | 227 East Highway 131 Clarksville, IN 47129 | Full Service B&M | $47,089 |
Stock Yards Bank & Trust Company | 2292 Bardstown Road Louisville, KY 40205 | Full Service B&M | $72,372 |
Stock Yards Bank & Trust Company | 260 Blossom Park Drive Georgetown, KY 40324 | Full Service B&M | $55,989 |
Stock Yards Bank & Trust Company | 2635 Alexandria Pike Highland Heights, KY 41076 | Full Service B&M | $87,978 |
Stock Yards Bank & Trust Company | 2651 Observatory Ave Ste 102 Cincinnati, OH 45208 | Full Service B&M | $28,096 |
Stock Yards Bank & Trust Company | 2710 West Broadway Louisville, KY 40211 | Full Service B&M | $3,771 |
Stock Yards Bank & Trust Company | 275 Highway 31 North Austin, IN 47102 | Full Service B&M | $22,431 |
Stock Yards Bank & Trust Company | 2811 South Hurstbourne Parkway Louisville, KY 40220 | Full Service B&M | $108,330 |
Stock Yards Bank & Trust Company | 2860 Charlestown Road New Albany, IN 47150 | Full Service B&M | $174,375 |
For 2021, Stock Yards Bank & Trust Company had 64 branches.
Yearly Performance Overview
Bank Income
Item | Value (in 000's) |
---|---|
Total interest income | $177,061 |
Net interest income | $171,058 |
Total noninterest income | $66,807 |
Gross Fiduciary activities income | $27,535 |
Service charges on deposit accounts | $11,867 |
Trading account gains and fees | $0 |
Additional Noninterest Income | $27,405 |
Pre-tax net operating income | $102,172 |
Securities gains (or losses, -) | $-3 |
Income before extraordinary items | $78,463 |
Discontinued Operations (Extraordinary gains, net) | $0 |
Net income of bank and minority interests | $78,463 |
Minority interest net income | $0 |
Net income | $78,463 |
Sale, conversion, retirement of capital stock, net | $0 |
Net operating income | $78,465 |
Stock Yards Bank & Trust Company's gross interest income from loans was $177,061,000.
Stock Yards Bank & Trust Company's net interest income from loans was $171,058,000.
Stock Yards Bank & Trust Company's fee based income from loans was $11,867,000.
Stock Yards Bank & Trust Company's net income from loans was $78,463,000.
Bank Expenses
Item | Value (in 000's) |
---|---|
Total interest expense | $6,003 |
Provision for credit losses | $-753 |
Total noninterest expense | $136,446 |
Salaries and employee benefits | $74,086 |
Premises and equipment expense | $11,587 |
Additional noninterest expense | $50,773 |
Applicable income taxes | $23,706 |
Net charge-offs | $6,176 |
Cash dividends | $62,942 |
Stock Yards Bank & Trust Company's interest expense for loans was $6,003,000.
Stock Yards Bank & Trust Company's payroll and benefits expense were $74,086,000.
Stock Yards Bank & Trust Company's property, plant and equipment expenses $11,587,000.
Loan Performance
Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
---|---|
All loans | 0.0% |
Real Estate loans | 0.0% |
Construction & Land Development loans | 0.0% |
Nonfarm, nonresidential loans | 0.0% |
Multifamily residential loans | 0.0% |
1-4 family residential loans | 0.0% |
HELOC loans | 0.0% |
All other family | 0.0% |
Commercial & industrial loans | 0.0% |
Personal loans | 0.0% |
Credit card loans | 0.0% |
Other individual loans | 0.0% |
Auto loans | 0.0% |
Other consumer loans | 0.0% |
Unsecured commercial real estate loans | 0.0% |
Deposits
Type | Value (in 000's) |
---|---|
Total deposits | $5,791,057 |
Deposits held in domestic offices | $5,791,057 |
Deposits by Individuals, partnerships, and corporations | $5,139,691 |
Deposits by U.S. Government | $7 |
Deposits by States and political subdivisions in the U.S. | $645,301 |
Deposits by Commercial banks and other depository institutions in U.S. | $6,058 |
Deposits by Banks in foreign countries | $0 |
Deposits by Foreign governments and official institutions | $0 |
Transaction accounts | $3,890,954 |
Demand deposits | $1,759,027 |
Nontransaction accounts | $1,900,103 |
Money market deposit accounts (MMDAs) | $1,050,352 |
Other savings deposits (excluding MMDAs) | $415,529 |
Total time deposits | $434,222 |
Total time and savings deposits | $4,032,030 |
Noninterest-bearing deposits | $1,759,298 |
Interest-bearing deposits | $4,031,759 |
Retail deposits | $5,698,801 |
IRAs and Keogh plan accounts | $70,766 |
Brokered deposits | $3,761 |
Deposits held in foreign offices | $0 |
Assets
Asset | Value (in 000's) |
---|---|
Total Assets | $6,639,234 |
Cash & Balances due from depository institutions | $882,415 |
Interest-bearing balances | $822,230 |
Total securities | $1,180,178 |
Federal funds sold & reverse repurchase | $75,078 |
Net loans and leases | $4,124,074 |
Loan and leases loss allowance | $53,898 |
Trading account assets | $0 |
Bank premises and fixed assets | $76,894 |
Other real estate owned | $7,212 |
Goodwill and other intangibles | $145,954 |
All other assets | $147,429 |
Liabilities
Liabilities | Value (in 000's) |
---|---|
Total liabilities and capital | $6,639,234 |
Total Liabilities | $5,982,698 |
Total deposits | $5,791,057 |
Interest-bearing deposits | $4,031,759 |
Deposits held in domestic offices | $5,791,057 |
% insured (estimated) | $51 |
Federal funds purchased and repurchase agreements | $85,841 |
Trading liabilities | $0 |
Other borrowed funds | $5,003 |
Subordinated debt | $0 |
All other liabilities | $100,797 |
Issued Loan Types
Type | Value (in 000's) |
---|---|
Net loans and leases | $4,124,074 |
Loan and leases loss allowance | $53,898 |
Total loans and leases (domestic) | $4,177,972 |
All real estate loans | $2,894,180 |
Real estate loans in domestic offices | $2,894,180 |
Construction and development loans | $291,333 |
Residential 1-4 family construction | $15,210 |
Other construction, all land development and other land | $276,123 |
Loans secured by nonfarm nonresidential properties | $1,542,707 |
Nonfarm nonresidential secured by owner-occupied properties | $653,963 |
Commercial real estate & other non-farm, non-residential | $888,744 |
Multifamily residential real estate | $187,445 |
1-4 family residential loans | $828,985 |
Farmland loans | $43,710 |
Loans held in foreign offices | $0 |
Farm loans | $3,372 |
Commercial and industrial loans | $1,055,823 |
To non-U.S. addressees | $0 |
Loans to individuals | $105,906 |
Credit card loans | $1,612 |
Related Plans | $63,482 |
Consumer Auto Loans | $18,930 |
Other loans to individuals | $21,882 |
All other loans & leases | $118,691 |
Loans to foreign governments and official institutions | $0 |
Other loans | $35,505 |
Loans to depository institutions and acceptances of other banks | $5,003 |
Loans not secured by real estate | $0 |
Loans secured by real estate to non-U.S. addressees | $0 |
Restructured Loans & leases | $12 |
Non 1-4 family restructured loans & leases | $12 |
Total loans and leases (foreign) | $0 |
Stock Yards Bank & Trust Company had $4,124,074,000 of loans outstanding in 2021. $2,894,180,000 of loans were in real estate loans. $291,333,000 of loans were in development loans. $187,445,000 of loans were in multifamily mortgage loans. $828,985,000 of loans were in 1-4 family mortgage loans. $3,372,000 of loans were in farm loans. $1,612,000 of loans were in credit card loans. $18,930,000 of loans were in the auto loan category.
Small Business Loans
Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
---|---|---|---|
Nonfarm, nonresidential loans - <$1MM | 1,517 | $440,245 | $290,208 |
Nonfarm, nonresidential loans - <$100k | 192 | $9,227 | $48,057 |
Nonfarm, nonresidential loans - $100-250k | 435 | $57,463 | $132,099 |
Nonfarm, nonresidential loans - $250k-1MM | 890 | $373,555 | $419,725 |
Commercial & Industrial, US addressed loans - <$1MM | 3,326 | $412,063 | $123,891 |
Commercial & Industrial, US addressed loans - <$100k | 1,804 | $56,237 | $31,174 |
Commercial & Industrial, US addressed loans - $100-250k | 793 | $96,912 | $122,209 |
Commercial & Industrial, US addressed loans - $250k-1MM | 729 | $258,914 | $355,163 |
Farmland loans - <$1MM | 199 | $24,162 | $121,417 |
Farmland loans - <$100k | 77 | $3,298 | $42,831 |
Farmland loans - $100-250k | 77 | $9,758 | $126,727 |
Farmland loans - $250k-1MM | 45 | $11,106 | $246,800 |
Agriculture operations loans - <$1MM | 33 | $2,542 | $77,030 |
Agriculture operations loans - <$100k | 25 | $648 | $25,920 |
Agriculture operations loans - $100-250k | 3 | $390 | $130,000 |
Agriculture operations loans - $250k-1MM | 5 | $1,504 | $300,800 |