Stock Yards Bank & Trust Company Mortgage Rates, Fees & Info

Louisville, KY

LEI: 4LJGQ9KJ9S0CP4B1FY29

Tax ID: 61-0354170

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & 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 by origination volume include: Louisville, Cincinnati, Indianapolis, North Port, and Elizabethtown among others. We have data for 43 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Stock Yards Bank & Trust Company has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Stock Yards Bank & Trust Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/18/24
    30 Year Conventional Purchase 5.76% 4/18/24
    30 Year Conventional Refi 6.15% 4/18/24
    30 Year Cash-out Refi 6.70% 4/18/24
    30 Year FHA Purchase 7.41% 4/18/24
    30 Year FHA Refi 6.27% 4/18/24
    30 Year VA Purchase 6.32% 4/18/24
    30 Year USDA Purchase 6.60% 4/18/24
    15 Year Conventional Purchase 5.93% 4/18/24
    15 Year Conventional Refi 6.22% 4/18/24
    15 Year Cash-out Refi 6.22% 4/18/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Stock Yards Bank & Trust Company Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Stock Yards Bank & Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,429

    Origination Dollar Volume (All Markets)

    $254,335,000

    Employee count

    615 Show all (9) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    LOUISVILLE, KY (FHA|USDA|VA) 1,160 $180,430,000 $155,543 $2,492 4.61%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 99 $23,625,000 $238,636 $2,683 4.50%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 61 $17,275,000 $283,197 $2,029 4.48%
    Outside of Metro Areas 20 $11,760,000 $588,000 $3,123 4.44%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $4,990,000 $1,247,500 $4,924 4.91%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 21 $2,765,000 $131,667 $2,476 4.06%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $1,775,000 $1,775,000 $0 5.00%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $810,000 $405,000 $3,576 4.56%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 4 $750,000 $187,500 $3,348 4.78%
    COLUMBUS, IN (FHA|USDA|VA) 1 $715,000 $715,000 $0 2.99%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $615,000 $205,000 $3,261 5.13%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $595,000 $198,333 $0 5.33%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $515,000 $515,000 $0 4.75%
    Bardstown, KY (FHA|USDA|VA) 11 $495,000 $45,000 $1,635 4.75%
    Warsaw, IN (FHA|USDA|VA) 1 $485,000 $485,000 $2,731 4.13%
    Scottsburg, IN (FHA|USDA|VA) 6 $470,000 $78,333 $1,758 4.62%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $465,000 $465,000 $2,442 3.88%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $435,000 $435,000 $5,136 3.88%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $405,000 $405,000 $2,545 3.88%
    BOWLING GREEN, KY (FHA|USDA|VA) 2 $400,000 $200,000 $2,276 4.33%
    Kalispell, MT (FHA|USDA|VA) 1 $395,000 $395,000 $3,509 4.75%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $350,000 $175,000 $4,541 4.00%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $340,000 $170,000 $2,756 4.69%
    COLUMBUS, OH (FHA|USDA|VA) 1 $325,000 $325,000 $2,559 3.99%
    Madison, IN (FHA|USDA|VA) 1 $325,000 $325,000 $2,367 4.88%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $305,000 $305,000 $2,824 3.50%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $295,000 $295,000 $3,746 4.25%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $255,000 $255,000 $0 6.13%
    SAVANNAH, GA (FHA|USDA|VA) 1 $255,000 $255,000 $3,031 4.38%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $225,000 $225,000 $0 5.50%
    Maysville, KY (FHA|USDA|VA) 1 $215,000 $215,000 $5,121 4.00%
    Glasgow, KY (FHA|USDA|VA) 1 $205,000 $205,000 $2,292 4.63%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $205,000 $205,000 $6,241 3.88%
    MUNCIE, IN (FHA|USDA|VA) 2 $120,000 $60,000 $0 4.67%
    Somerset, KY (FHA|USDA|VA) 1 $115,000 $115,000 $2,251 3.63%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $105,000 $105,000 $2,191 4.50%
    Frankfort, KY (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.50%
    Danville, KY (FHA|USDA|VA) 1 $105,000 $105,000 $2,866 4.38%
    KOKOMO, IN (FHA|USDA|VA) 1 $95,000 $95,000 $1,558 4.25%
    Frankfort, IN (FHA|USDA|VA) 1 $65,000 $65,000 $1,601 3.50%
    Seymour, IN (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.75%
    Greensburg, IN (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.99%
    Angola, IN (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.75%
    Stock Yards Bank & Trust Company's top markets include Louisville, Cincinnati, Indianapolis, North Port, and Elizabethtown among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Stock Yards Bank & Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The North Side Bank & Trust Company
    Similarity Rank: 55
    The Cecilian Bank
    Similarity Rank: 102
    CINFED Federal Credit Union
    Similarity Rank: 162
    Peoples Exchange Bank
    Similarity Rank: 344
    Advanz Federal Credit Union
    Similarity Rank: 360
    The Peoples Bank
    Similarity Rank: 400
    INDIANA UNIVERSITY CREDIT UNION
    Similarity Rank: 434
    Hendricks County Bank and Trust Company
    Similarity Rank: 456
    RIVER VALLEY CREDIT UNION, INC.
    Similarity Rank: 504
    MEMBERS HERITAGE Credit Union
    Similarity Rank: 640

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 756 $177,460,000 $234,735 $2,195 4.30%
    HELOC 573 $61,305,000 $106,990 n/a 5.07%
    FHA 76 $10,620,000 $139,737 $4,529 4.16%
    VA 19 $4,115,000 $216,579 $4,310 3.51%
    USDA 5 $835,000 $167,000 $3,734 4.13%

    For 2019, Stock Yards Bank & Trust Company's most frequently originated type of loan was Conventional, with 756 originations. Their 2nd most popular type was HELOC, with 573 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 577 $141,235,000 $244,775 $2,639 4.34%
    Refi 322 $52,930,000 $164,379 $2,187 4.68%
    Other 249 $21,815,000 $87,610 $2,376 5.00%
    Home Improvement 166 $14,870,000 $89,578 $2,027 5.09%
    Cash Out Refi 115 $23,485,000 $204,217 $2,428 4.00%

    For 2019, Stock Yards Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 577 originations. The 2nd most popular reason was Refi, with 322 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 597 $61,945,000 $103,760 $359 4.88%
    30 Year 514 $105,000,000 $204,280 $2,805 4.24%
    5 Year 120 $40,750,000 $339,583 $0 5.02%
    15 Year 97 $18,505,000 $190,773 $2,210 3.72%
    20 Year 29 $7,235,000 $249,483 $2,296 3.82%
    Other 28 $7,940,000 $283,571 $919 5.27%
    1 Year 27 $8,265,000 $306,111 $1,534 5.69%
    3 Year 13 $2,695,000 $207,308 $0 5.73%
    30+ year 4 $2,000,000 $500,000 $6,704 6.13%

    For 2019, Stock Yards Bank & Trust Company's most frequently cited loan duration was 10 Year, with 597 originations. The 2nd most popular length was 30 Year, with 514 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 655 $125,575,000 $191,718
    $1k-2k 16 $5,020,000 $313,750
    $2k-3k 5 $1,775,000 $355,000
    $4k-5k 2 $830,000 $415,000
    $3k-4k 1 $145,000 $145,000
    $5k+ 1 $175,000 $175,000

    Stock Yards Bank & Trust Company's average total fees were $2,805, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 655 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 729 $124,945,000 $171,392
    3-4% 322 $63,920,000 $198,509
    5-6% 299 $48,925,000 $163,629
    2.5-3% 25 $4,235,000 $169,400
    <2.5% 24 $120,000 $5,000
    6-7% 23 $1,945,000 $84,565
    7-8% 2 $250,000 $125,000

    During 2019, Stock Yards Bank & Trust Company's average interest rate for loans was 4.24%, while their most frequently originated rate bucket for loans was 4-5%, with 729 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 576 $28,470,000 $49,427 $1,526 4.75%
    $100k-200k 472 $66,920,000 $141,780 $2,676 4.48%
    $200k-400k 290 $77,220,000 $266,276 $2,812 4.46%
    $400k-600k 58 $26,230,000 $452,241 $3,152 4.47%
    $600k-1MM 18 $12,970,000 $720,556 $3,825 4.57%
    $1MM+ 15 $42,525,000 $2,835,000 $5,184 5.10%

    2019 saw Stock Yards Bank & Trust Company place emphasis on $100,000 or less loans with 576 originations, totaling $28,470,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 302 $26,320,000 $87,152 $2,367 4.31%
    $50k-75k 287 $34,345,000 $119,669 $2,437 4.57%
    $100k-150k 233 $37,595,000 $161,352 $2,569 4.62%
    $75k-100k 170 $23,500,000 $138,235 $2,628 4.62%
    $150k-250k 154 $30,830,000 $200,195 $2,728 4.66%
    $250k+ 140 $45,970,000 $328,357 $2,969 4.59%

    Stock Yards Bank & Trust Company lent most frequently to those with incomes in the $50k or less range, with 302 originations. The second most popular income band? $50k-75k, with 287 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 331 $42,255,000 $127,659 $2,374 4.56%
    <20% 272 $40,450,000 $148,713 $2,431 4.76%
    30-36% 245 $38,735,000 $158,102 $2,376 4.51%
    38% 49 $7,305,000 $149,082 $2,746 4.50%
    39% 48 $7,730,000 $161,042 $2,415 4.54%
    36% 42 $6,340,000 $150,952 $2,603 4.71%
    37% 41 $6,185,000 $150,854 $2,533 4.61%
    41% 35 $6,045,000 $172,714 $2,349 4.36%
    40% 33 $4,645,000 $140,758 $2,717 4.20%
    43% 25 $4,935,000 $197,400 $2,474 4.37%
    44% 24 $4,200,000 $175,000 $2,729 3.91%
    42% 23 $3,785,000 $164,565 $2,219 4.06%
    48% 21 $3,905,000 $185,952 $2,641 4.33%
    45% 19 $4,135,000 $217,632 $3,706 4.41%
    50-60% 16 $3,460,000 $216,250 $4,268 4.05%
    49% 15 $3,195,000 $213,000 $2,742 3.72%
    47% 13 $2,755,000 $211,923 $2,914 3.92%
    >60% 10 $4,190,000 $419,000 $4,245 4.68%
    46% 7 $1,295,000 $185,000 $2,487 4.25%

    Stock Yards Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 331 originations. The next most common DTI ratio? <20%, with 272 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,160 $176,550,000 $152,198 $2,524 4.56%
    Not applicable 137 $54,785,000 $399,891 $0 5.10%
    Not provided 84 $15,160,000 $180,476 $2,502 4.49%
    Asian 21 $4,475,000 $213,095 $3,111 4.06%
    Black 21 $2,565,000 $122,143 $2,344 4.26%
    Native Hawaiian or Islander 2 $400,000 $200,000 $1,746 4.13%
    American Indian 3 $345,000 $115,000 $1,408 4.92%
    Other Pacific Islander 1 $55,000 $55,000 $0 4.13%

    Approval Rates

    Total approvals of all applications
    82.14%

    Stock Yards Bank & Trust Company has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    79.57%

    Stock Yards Bank & Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    85.0 1 $35,000 $35,000
    NA 1,428 $254,300,000 $178,081

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 23 $32,655,000 $1,419,783
    Single Family (1-4 Units):Manufactured 9 $575,000 $63,889
    Single Family (1-4 Units):Site-Built 1,397 $221,105,000 $158,271

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 240 $24,570,000 $102,375 $1,839 4.85%
    40-60% 197 $40,695,000 $206,574 $2,283 4.59%
    60-80% 349 $106,225,000 $304,370 $2,419 4.54%
    80-100% 341 $69,565,000 $204,003 $3,084 4.29%
    Over 100% 3 $795,000 $265,000 $5,074 3.67%
    Under 20% 297 $11,795,000 $39,714 $209 4.80%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Stock Yards Bank & Trust Company 10000 Will Way Louisville, KY 40291 Full Service B&M $43,799
    Stock Yards Bank & Trust Company 101 West Fourth Street Cincinnati, OH 45202 Full Service Retail $40,683
    Stock Yards Bank & Trust Company 1040 East Main Street Louisville, KY 40206 Full Service B&M $781,002
    Stock Yards Bank & Trust Company 10501 Watterson Trail Louisville, KY 40299 Full Service B&M $3,957
    Stock Yards Bank & Trust Company 111 Chaplin Road Bloomfield, KY 40008 Full Service B&M $4,410
    Stock Yards Bank & Trust Company 11450 N. Meridian Street Carmel, IN 46032 Full Service Retail $50,024
    Stock Yards Bank & Trust Company 11751 Bluegrass Parkway Louisville, KY 40299 Full Service B&M $51,282
    Stock Yards Bank & Trust Company 11800 Shelbyville Road Louisville, KY 40243 Full Service B&M $138,620
    Stock Yards Bank & Trust Company 12889 W. Hwy 42 Prospect, KY 40059 Full Service B&M $36,174
    Stock Yards Bank & Trust Company 12900 Factory Lane Louisville, KY 40245 Full Service B&M $20,422
    Stock Yards Bank & Trust Company 183 Adam Shepherd Parkway Shepherdsville, KY 40165 Full Service B&M $82,740
    Stock Yards Bank & Trust Company 201 N Illinois Street, Suite 100 Indianapolis, IN 46204 Full Service B&M $44,511
    Stock Yards Bank & Trust Company 214 South Fifth Street Louisville, KY 40202 Full Service B&M $105,377
    Stock Yards Bank & Trust Company 227 East Highway 131 Clarksville, IN 47129 Full Service B&M $36,802
    Stock Yards Bank & Trust Company 2292 Bardstown Road Louisville, KY 40205 Full Service B&M $37,680
    Stock Yards Bank & Trust Company 2635 Alexandria Pike Highland Heights, KY 41076 Full Service B&M $17,599
    Stock Yards Bank & Trust Company 2651 Observatory Ave Ste 102 Cincinnati, OH 45208 Full Service B&M $28,325
    Stock Yards Bank & Trust Company 2710 West Broadway Louisville, KY 40211 Full Service B&M $3,321
    Stock Yards Bank & Trust Company 275 Highway 31 North Austin, IN 47102 Full Service B&M $18,830
    Stock Yards Bank & Trust Company 2811 South Hurstbourne Parkway Louisville, KY 40220 Full Service B&M $73,789
    Stock Yards Bank & Trust Company 2860 Charlestown Road New Albany, IN 47150 Full Service B&M $84,560
    Stock Yards Bank & Trust Company 3063 Breckinridge Lane Louisville, KY 40220 Full Service B&M $42,156
    Stock Yards Bank & Trust Company 3230 East 10th St Jeffersonville, IN 47130 Full Service B&M $32,357
    Stock Yards Bank & Trust Company 3400 Dutchmans Lane Louisville, KY 40205 Full Service B&M $14,053
    Stock Yards Bank & Trust Company 345 South Perry Rd Plainfield, IN 46168 Full Service B&M $3,358
    Stock Yards Bank & Trust Company 3794 Lexington Road Louisville, KY 40207 Full Service B&M $134,720
    Stock Yards Bank & Trust Company 4016 Poplar Level Road Louisville, KY 40213 Full Service B&M $98,209
    Stock Yards Bank & Trust Company 4098 Dutchmans Lane Louisville, KY 40207 Full Service B&M $25,285
    Stock Yards Bank & Trust Company 4537 Outer Loop Louisville, KY 40219 Full Service B&M $57,140
    Stock Yards Bank & Trust Company 4640 Southern Pkwy Louisville, KY 40214 Full Service B&M $33,295
    Stock Yards Bank & Trust Company 4790 Houston Road Florence, KY 41042 Full Service B&M $27,223
    Stock Yards Bank & Trust Company 4800 Brownsboro Road Louisville, KY 40207 Full Service B&M $63,733
    Stock Yards Bank & Trust Company 5026 Mud Lane Louisville, KY 40229 Full Service B&M $42,337
    Stock Yards Bank & Trust Company 515 South First Street Lagrange, KY 40031 Full Service B&M $119,512
    Stock Yards Bank & Trust Company 5220 Dixie Highway Louisville, KY 40216 Full Service B&M $81,292
    Stock Yards Bank & Trust Company 5916 Lawrenceburg Road Chaplin, KY 40012 Full Service B&M $86,991
    Stock Yards Bank & Trust Company 6317 West Highway 146 Crestwood, KY 40014 Full Service B&M $69,740
    Stock Yards Bank & Trust Company 6840 Lake Plaza Drive Indianapolis, IN 46220 Full Service B&M $20,008
    Stock Yards Bank & Trust Company 7124 Miami Avenue Madeira, OH 45243 Full Service B&M $61,357
    Stock Yards Bank & Trust Company 7915-A South Emerson Avenue Indianapolis, IN 46237 Full Service B&M $13,733
    Stock Yards Bank & Trust Company 911 Blankenbaker Parkway Louisville, KY 40243 Full Service B&M $6,454
    Stock Yards Bank & Trust Company 9201 U.S. Highway 42 Prospect, KY 40059 Full Service B&M $40,900
    Stock Yards Bank & Trust Company 9400 Brownsboro Road Louisville, KY 40241 Full Service B&M $106,978

    For 2019, Stock Yards Bank & Trust Company had 43 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $147,774
    Net interest income $125,256
    Total noninterest income $52,112
    Gross Fiduciary activities income $22,585
    Service charges on deposit accounts $9,505
    Trading account gains and fees $0
    Additional Noninterest Income $20,022
    Pre-tax net operating income $80,592
    Securities gains (or losses, -) $0
    Income before extraordinary items $66,317
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $66,317
    Minority interest net income $0
    Net income $66,317
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $66,317

    Stock Yards Bank & Trust Company's gross interest income from loans was $147,774,000.
    Stock Yards Bank & Trust Company's net interest income from loans was $125,256,000.
    Stock Yards Bank & Trust Company's fee based income from loans was $9,505,000.
    Stock Yards Bank & Trust Company's net income from loans was $66,317,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $22,518
    Provision for credit losses $1,000
    Total noninterest expense $95,776
    Salaries and employee benefits $59,709
    Premises and equipment expense $9,773
    Additional noninterest expense $26,294
    Applicable income taxes $14,275
    Net charge-offs $-257
    Cash dividends $25,619

    Stock Yards Bank & Trust Company's interest expense for loans was $22,518,000.
    Stock Yards Bank & Trust Company's payroll and benefits expense were $59,709,000.
    Stock Yards Bank & Trust Company's property, plant and equipment expenses $9,773,000.

    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 $3,148,737
    Deposits held in domestic offices $3,148,737
    Deposits by Individuals, partnerships, and corporations $2,925,899
    Deposits by U.S. Government $360
    Deposits by States and political subdivisions in the U.S. $214,595
    Deposits by Commercial banks and other depository institutions in U.S. $7,883
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $250,302
    Demand deposits $110,078
    Nontransaction accounts $2,898,435
    Money market deposit accounts (MMDAs) $2,296,513
    Other savings deposits (excluding MMDAs) $169,705
    Total time deposits $432,218
    Total time and savings deposits $3,038,659
    Noninterest-bearing deposits $825,274
    Interest-bearing deposits $2,323,463
    Retail deposits $3,040,068
    IRAs and Keogh plan accounts $49,763
    Brokered deposits $29,757
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,720,038
    Cash & Balances due from depository institutions $165,304
    Interest-bearing balances $118,441
    Total securities $470,738
    Federal funds sold & reverse repurchase $84,421
    Net loans and leases $2,827,057
    Loan and leases loss allowance $26,791
    Trading account assets $0
    Bank premises and fixed assets $58,618
    Other real estate owned $493
    Goodwill and other intangibles $16,169
    All other assets $97,238

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,720,038
    Total Liabilities $3,335,902
    Total deposits $3,148,737
    Interest-bearing deposits $2,323,463
    Deposits held in domestic offices $3,148,737
    % insured (estimated) $58
    Federal funds purchased and repurchase agreements $42,782
    Trading liabilities $0
    Other borrowed funds $102,625
    Subordinated debt $0
    All other liabilities $41,758

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,827,057
    Loan and leases loss allowance $26,791
    Total loans and leases (domestic) $2,853,848
    All real estate loans $1,925,396
    Real estate loans in domestic offices $1,925,396
    Construction and development loans $255,816
    Residential 1-4 family construction $16,309
    Other construction, all land development and other land $239,507
    Loans secured by nonfarm nonresidential properties $1,091,258
    Nonfarm nonresidential secured by owner-occupied properties $463,393
    Commercial real estate & other non-farm, non-residential $627,865
    Multifamily residential real estate $108,753
    1-4 family residential loans $465,203
    Farmland loans $4,366
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $820,742
    To non-U.S. addressees $0
    Loans to individuals $47,467
    Credit card loans $0
    Related Plans $28,023
    Consumer Auto Loans $1,432
    Other loans to individuals $18,012
    All other loans & leases $60,243
    Loans to foreign governments and official institutions $0
    Other loans $23,325
    Loans to depository institutions and acceptances of other banks $8,303
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $34
    Non 1-4 family restructured loans & leases $21
    Total loans and leases (foreign) $0

    Stock Yards Bank & Trust Company had $2,827,057,000 of loans outstanding in 2019. $1,925,396,000 of loans were in real estate loans. $255,816,000 of loans were in development loans. $108,753,000 of loans were in multifamily mortgage loans. $465,203,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $1,432,000 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 1,235 $325,795 $263,802
    Nonfarm, nonresidential loans - <$100k 176 $8,303 $47,176
    Nonfarm, nonresidential loans - $100-250k 396 $52,184 $131,778
    Nonfarm, nonresidential loans - $250k-1MM 663 $265,308 $400,163
    Commercial & Industrial, US addressed loans - <$1MM 2,066 $280,432 $135,737
    Commercial & Industrial, US addressed loans - <$100k 981 $32,945 $33,583
    Commercial & Industrial, US addressed loans - $100-250k 540 $61,556 $113,993
    Commercial & Industrial, US addressed loans - $250k-1MM 545 $185,931 $341,158
    Farmland loans - <$1MM 34 $2,804 $82,471
    Farmland loans - <$100k 21 $547 $26,048
    Farmland loans - $100-250k 10 $1,471 $147,100
    Farmland loans - $250k-1MM 3 $786 $262,000