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
820Awards
Stock Yards Bank & Trust Company - 2021
Stock Yards Bank & Trust Company is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative 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 |
