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™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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 Refi and Home Purchase 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, Indianapolis, Cincinnati, Lexington, and Bardstown among others. We have data for 65 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% 12/16/24
    30 Year Conventional Purchase 5.76% 12/16/24
    30 Year Conventional Refi 6.15% 12/16/24
    30 Year Cash-out Refi 6.70% 12/16/24
    30 Year FHA Purchase 7.41% 12/16/24
    30 Year FHA Refi 6.27% 12/16/24
    30 Year VA Purchase 6.32% 12/16/24
    30 Year USDA Purchase 6.60% 12/16/24
    15 Year Conventional Purchase 5.93% 12/16/24
    15 Year Conventional Refi 6.22% 12/16/24
    15 Year Cash-out Refi 6.22% 12/16/24
    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

    2,257

    Origination Dollar Volume (All Markets)

    $474,935,000

    Employee count

    641 Show all (11) 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) 1,778 $339,900,000 $191,170 $2,204 3.30%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 125 $46,945,000 $375,560 $1,919 3.27%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 174 $45,300,000 $260,345 $2,500 3.32%
    Outside of Metro Areas 32 $5,440,000 $170,000 $2,512 3.41%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 12 $4,520,000 $376,667 $2,334 3.17%
    Bardstown, KY (FHA|USDA|VA) 33 $3,225,000 $97,727 $2,243 3.74%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $3,005,000 $3,005,000 $0 3.75%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $2,220,000 $1,110,000 $2,248 3.63%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 14 $1,980,000 $141,429 $2,756 3.42%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $1,365,000 $455,000 $4,461 3.46%
    Scottsburg, IN (FHA|USDA|VA) 10 $1,120,000 $112,000 $1,879 2.99%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $1,070,000 $535,000 $3,484 3.75%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $975,000 $325,000 $3,975 4.08%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $865,000 $865,000 $3,424 3.38%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $845,000 $845,000 $4,344 3.38%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $800,000 $400,000 $3,179 2.63%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $775,000 $775,000 $4,479 4.50%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $695,000 $231,667 $3,016 3.63%
    Frankfort, KY (FHA|USDA|VA) 3 $655,000 $218,333 $2,121 3.25%
    KNOXVILLE, TN (FHA|USDA|VA) 2 $630,000 $315,000 $2,653 2.75%
    COLUMBUS, OH (FHA|USDA|VA) 4 $590,000 $147,500 $1,813 3.56%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $515,000 $515,000 $7,442 3.00%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $505,000 $505,000 $3,313 3.13%
    MUSKEGON, MI (FHA|USDA|VA) 1 $495,000 $495,000 $0 3.95%
    Greensburg, IN (FHA|USDA|VA) 1 $495,000 $495,000 $9,417 3.88%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $460,000 $115,000 $0 3.81%
    Bozeman, MT (FHA|USDA|VA) 1 $395,000 $395,000 $3,625 3.00%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $385,000 $385,000 $4,213 3.25%
    Kalispell, MT (FHA|USDA|VA) 1 $385,000 $385,000 $2,191 3.13%
    Sevierville, TN (FHA|USDA|VA) 1 $385,000 $385,000 $0 4.25%
    Huntington, IN (FHA|USDA|VA) 1 $375,000 $375,000 $1,608 4.25%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $355,000 $355,000 $2,608 2.50%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $335,000 $335,000 $1,816 2.50%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $335,000 $335,000 $3,890 3.00%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $335,000 $335,000 $2,435 3.25%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 4 $320,000 $80,000 $1,424 3.47%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $315,000 $315,000 $0 3.75%
    Sturgis, MI (FHA|USDA|VA) 1 $305,000 $305,000 $3,094 2.88%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $305,000 $305,000 $2,542 2.38%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $295,000 $295,000 $3,387 3.25%
    Plymouth, IN (FHA|USDA|VA) 1 $285,000 $285,000 $1,813 2.50%
    TERRE HAUTE, IN (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.99%
    MUNCIE, IN (FHA|USDA|VA) 2 $270,000 $135,000 $2,071 2.45%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $265,000 $265,000 $1,604 2.75%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $255,000 $255,000 $1,899 2.75%
    Richmond, IN (FHA|USDA|VA) 1 $245,000 $245,000 $2,165 4.00%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $235,000 $235,000 $1,876 2.63%
    Central City, KY (FHA|USDA|VA) 1 $225,000 $225,000 $2,389 3.13%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.00%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.00%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,299 3.50%
    Bluffton, IN (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.25%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $195,000 $195,000 $5,629 3.25%
    Glasgow, KY (FHA|USDA|VA) 1 $175,000 $175,000 $1,721 2.63%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $2,713 2.88%
    WILMINGTON, NC (FHA|USDA|VA) 1 $165,000 $165,000 $1,770 3.00%
    Warsaw, IN (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.00%
    Crawfordsville, IN (FHA|USDA|VA) 1 $155,000 $155,000 $1,654 2.25%
    Frankfort, IN (FHA|USDA|VA) 1 $145,000 $145,000 $1,688 2.75%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $145,000 $145,000 $2,539 2.88%
    Lebanon, NH-VT (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.00%
    Athens, OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,905 3.25%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $105,000 $105,000 $1,478 2.50%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $105,000 $105,000 $2,491 2.88%
    London, KY (FHA|USDA|VA) 1 $55,000 $55,000 $2,102 3.25%
    Stock Yards Bank & Trust Company's top markets include Louisville, Indianapolis, Cincinnati, Lexington, and Bardstown among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (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 Cecilian Bank
    Similarity Rank: 270
    The North Side Bank & Trust Company
    Similarity Rank: 350
    Hendricks County Bank and Trust Company
    Similarity Rank: 376
    Independent Federal Credit Union
    Similarity Rank: 441
    Peoples Exchange Bank
    Similarity Rank: 480
    Madison County Federal Credit Union
    Similarity Rank: 488
    MORTGAGE SUPPLIERS, INC.
    Similarity Rank: 595
    CINFED Federal Credit Union
    Similarity Rank: 651
    Security Federal Savings Bank
    Similarity Rank: 750
    First State Bank
    Similarity Rank: 770

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,749 $406,455,000 $232,393 $2,137 3.12%
    HELOC 431 $55,705,000 $129,246 n/a 4.06%
    FHA 64 $10,080,000 $157,500 $4,750 3.67%
    VA 10 $2,180,000 $218,000 $2,156 3.10%
    USDA 3 $515,000 $171,667 $3,547 2.96%

    For 2020, Stock Yards Bank & Trust Company's most frequently originated type of loan was Conventional, with 1,749 originations. Their 2nd most popular type was HELOC, with 431 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 853 $181,985,000 $213,347 $1,986 3.06%
    Home Purchase 675 $177,915,000 $263,578 $2,655 3.43%
    Cash Out Refi 366 $71,090,000 $194,235 $2,149 2.97%
    Other 227 $26,265,000 $115,705 $2,178 3.96%
    Home Improvement 136 $17,680,000 $130,000 $2,035 4.09%

    For 2020, Stock Yards Bank & Trust Company's most frequently cited loan purpose was Refi, with 853 originations. The 2nd most popular reason was Home Purchase, with 675 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,100 $247,560,000 $225,055 $2,424 3.15%
    10 Year 467 $56,165,000 $120,268 $821 3.93%
    15 Year 385 $72,785,000 $189,052 $2,002 2.63%
    5 Year 127 $62,305,000 $490,591 $304 4.15%
    20 Year 93 $14,985,000 $161,129 $1,909 2.90%
    Other 55 $14,295,000 $259,909 $1,617 4.27%
    1 Year 22 $4,770,000 $216,818 $2,687 4.42%
    3 Year 5 $855,000 $171,000 $0 4.39%
    30+ year 3 $1,215,000 $405,000 $8,036 4.13%

    For 2020, Stock Yards Bank & Trust Company's most frequently cited loan duration was 30 Year, with 1,100 originations. The 2nd most popular length was 10 Year, with 467 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,529 $323,225,000 $211,396
    $1k-2k 33 $8,995,000 $272,576
    $5k+ 4 $1,970,000 $492,500
    $2k-3k 3 $1,745,000 $581,667
    $3k-4k 1 $415,000 $415,000

    Stock Yards Bank & Trust Company's average total fees were $2,424, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,529 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,014 $228,760,000 $225,602
    2.5-3% 693 $146,475,000 $211,364
    <2.5% 295 $45,855,000 $155,441
    4-5% 224 $49,720,000 $221,964
    5-6% 29 $3,565,000 $122,931

    During 2020, Stock Yards Bank & Trust Company's average interest rate for loans was 3.15%, while their most frequently originated rate bucket for loans was 3-4%, with 1,014 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 888 $128,700,000 $144,932 $2,196 3.17%
    $200k-400k 633 $173,815,000 $274,589 $2,372 3.22%
    $100,000 or less 551 $31,835,000 $57,777 $1,564 3.60%
    $400k-600k 132 $61,780,000 $468,030 $2,943 3.20%
    $600k-1MM 33 $24,965,000 $756,515 $3,942 3.92%
    $1MM+ 20 $53,840,000 $2,692,000 $6,183 4.05%

    2020 saw Stock Yards Bank & Trust Company place emphasis on $100k-200k loans with 888 originations, totaling $128,700,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 466 $69,570,000 $149,292 $2,185 3.27%
    $50k or less 418 $44,140,000 $105,598 $2,045 3.10%
    $100k-150k 399 $81,095,000 $203,246 $2,277 3.20%
    $75k-100k 293 $50,755,000 $173,225 $2,208 3.24%
    $150k-250k 281 $71,555,000 $254,644 $2,380 3.26%
    $250k+ 232 $86,590,000 $373,233 $2,741 3.47%

    Stock Yards Bank & Trust Company lent most frequently to those with incomes in the $50k-75k range, with 466 originations. The second most popular income band? $50k or less, with 418 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 628 $121,000,000 $192,675 $2,223 3.20%
    <20% 417 $87,885,000 $210,755 $2,154 3.27%
    30-36% 383 $64,345,000 $168,003 $2,185 3.28%
    39% 79 $14,785,000 $187,152 $2,427 3.43%
    38% 65 $11,015,000 $169,462 $2,182 3.22%
    40% 58 $12,510,000 $215,690 $2,307 3.31%
    37% 52 $10,090,000 $194,038 $2,158 3.43%
    44% 51 $9,015,000 $176,765 $2,347 3.29%
    36% 50 $9,770,000 $195,400 $2,237 3.21%
    42% 41 $6,485,000 $158,171 $1,997 3.01%
    41% 39 $8,285,000 $212,436 $2,489 3.17%
    46% 36 $6,470,000 $179,722 $2,130 3.04%
    43% 36 $7,490,000 $208,056 $2,381 3.06%
    47% 33 $6,845,000 $207,424 $2,466 2.93%
    49% 32 $6,990,000 $218,438 $2,767 3.14%
    45% 29 $6,565,000 $226,379 $2,527 3.10%
    48% 21 $3,845,000 $183,095 $2,185 2.89%
    50-60% 18 $4,040,000 $224,444 $3,270 3.58%
    >60% 12 $2,880,000 $240,000 $2,416 3.79%

    Stock Yards Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 628 originations. The next most common DTI ratio? <20%, with 417 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,830 $353,540,000 $193,191 $2,242 3.26%
    Not applicable 163 $69,745,000 $427,883 $0 4.21%
    Not provided 154 $33,170,000 $215,390 $2,393 3.19%
    Asian 55 $9,205,000 $167,364 $1,951 2.82%
    Black 46 $7,620,000 $165,652 $2,283 3.18%
    Asian Indian 4 $970,000 $242,500 $2,305 2.91%
    American Indian 3 $385,000 $128,333 $1,943 2.71%
    Other Asian 2 $300,000 $150,000 $1,726 3.44%

    Approval Rates

    Total approvals of all applications
    89.28%

    Stock Yards Bank & Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.56%

    Stock Yards Bank & Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,257 $474,935,000 $210,428

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $715,000 $715,000
    Multifamily:Site-Built 41 $41,165,000 $1,004,024
    Single Family (1-4 Units):Manufactured 3 $465,000 $155,000
    Single Family (1-4 Units):Site-Built 2,212 $432,590,000 $195,565

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 271 $38,555,000 $142,269 $2,067 3.50%
    40-60% 388 $76,980,000 $198,402 $2,076 3.04%
    60-80% 851 $213,385,000 $250,746 $2,118 3.20%
    80-100% 504 $126,760,000 $251,508 $2,749 3.31%
    Over 100% 6 $7,830,000 $1,305,000 $6,923 3.98%
    Under 20% 234 $10,990,000 $46,966 $347 3.90%

    Complaints

    Bank Name Product Issue 2020 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 Struggling to pay mortgage 1 50.0%

    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 $49,998
    Stock Yards Bank & Trust Company 101 West Fourth Street Cincinnati, OH 45202 Full Service Retail $67,074
    Stock Yards Bank & Trust Company 1040 East Main Street Louisville, KY 40206 Full Service B&M $963,013
    Stock Yards Bank & Trust Company 10421 Taylorsville Road Louisville, KY 40299 Limited, Drive-thru $10,752
    Stock Yards Bank & Trust Company 111 Chaplin Road Bloomfield, KY 40008 Full Service B&M $16,173
    Stock Yards Bank & Trust Company 11450 N. Meridian Street Carmel, IN 46032 Full Service Retail $80,415
    Stock Yards Bank & Trust Company 11751 Bluegrass Parkway Louisville, KY 40299 Full Service B&M $84,646
    Stock Yards Bank & Trust Company 11800 Shelbyville Road Louisville, KY 40243 Full Service B&M $189,525
    Stock Yards Bank & Trust Company 12889 W. Hwy 42 Prospect, KY 40059 Full Service B&M $40,612
    Stock Yards Bank & Trust Company 12900 Factory Lane Louisville, KY 40245 Full Service B&M $58,678
    Stock Yards Bank & Trust Company 160 Dakota Ct / The Village Center Lot 2b Mount Washington, KY 40047 Full Service B&M $5,257
    Stock Yards Bank & Trust Company 183 Adam Shepherd Parkway Shepherdsville, KY 40165 Full Service B&M $82,576
    Stock Yards Bank & Trust Company 201 N Illinois Street, Suite 100 Indianapolis, IN 46204 Full Service B&M $38,571
    Stock Yards Bank & Trust Company 214 South Fifth Street Louisville, KY 40202 Full Service B&M $120,373
    Stock Yards Bank & Trust Company 227 East Highway 131 Clarksville, IN 47129 Full Service B&M $42,394
    Stock Yards Bank & Trust Company 2292 Bardstown Road Louisville, KY 40205 Full Service B&M $69,294
    Stock Yards Bank & Trust Company 2635 Alexandria Pike Highland Heights, KY 41076 Full Service B&M $43,836
    Stock Yards Bank & Trust Company 2651 Observatory Ave Ste 102 Cincinnati, OH 45208 Full Service B&M $26,601
    Stock Yards Bank & Trust Company 2710 West Broadway Louisville, KY 40211 Full Service B&M $3,789
    Stock Yards Bank & Trust Company 275 Highway 31 North Austin, IN 47102 Full Service B&M $22,061
    Stock Yards Bank & Trust Company 2811 South Hurstbourne Parkway Louisville, KY 40220 Full Service B&M $95,632
    Stock Yards Bank & Trust Company 2860 Charlestown Road New Albany, IN 47150 Full Service B&M $156,641
    Stock Yards Bank & Trust Company 3063 Breckinridge Lane Louisville, KY 40220 Full Service B&M $55,692
    Stock Yards Bank & Trust Company 3230 East 10th St Jeffersonville, IN 47130 Full Service B&M $45,185
    Stock Yards Bank & Trust Company 345 South Perry Rd Plainfield, IN 46168 Full Service B&M $15,196
    Stock Yards Bank & Trust Company 3794 Lexington Road Louisville, KY 40207 Full Service B&M $156,905
    Stock Yards Bank & Trust Company 4016 Poplar Level Road Louisville, KY 40213 Full Service B&M $200,197
    Stock Yards Bank & Trust Company 4098 Dutchmans Lane Louisville, KY 40207 Full Service B&M $35,306
    Stock Yards Bank & Trust Company 4537 Outer Loop Louisville, KY 40219 Full Service B&M $78,261
    Stock Yards Bank & Trust Company 4640 Southern Pkwy Louisville, KY 40214 Full Service B&M $43,643
    Stock Yards Bank & Trust Company 4790 Houston Road Florence, KY 41042 Full Service B&M $34,713
    Stock Yards Bank & Trust Company 4800 Brownsboro Road Louisville, KY 40207 Full Service B&M $70,885
    Stock Yards Bank & Trust Company 5026 Mud Lane Louisville, KY 40229 Full Service B&M $51,241
    Stock Yards Bank & Trust Company 515 South First Street Lagrange, KY 40031 Full Service B&M $164,524
    Stock Yards Bank & Trust Company 5220 Dixie Highway Louisville, KY 40216 Full Service B&M $85,044
    Stock Yards Bank & Trust Company 5916 Lawrenceburg Road Chaplin, KY 40012 Full Service B&M $18,689
    Stock Yards Bank & Trust Company 6317 West Highway 146 Crestwood, KY 40014 Full Service B&M $79,939
    Stock Yards Bank & Trust Company 6840 Lake Plaza Drive Indianapolis, IN 46220 Full Service B&M $34,845
    Stock Yards Bank & Trust Company 7124 Miami Avenue Madeira, OH 45243 Full Service B&M $113,721
    Stock Yards Bank & Trust Company 7915-A South Emerson Avenue Indianapolis, IN 46237 Full Service B&M $31,068
    Stock Yards Bank & Trust Company 9201 U.S. Highway 42 Prospect, KY 40059 Full Service B&M $39,175
    Stock Yards Bank & Trust Company 9400 Brownsboro Road Louisville, KY 40241 Full Service B&M $112,157

    For 2020, Stock Yards Bank & Trust Company had 42 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $147,872
    Net interest income $135,921
    Total noninterest income $54,066
    Gross Fiduciary activities income $23,361
    Service charges on deposit accounts $8,999
    Trading account gains and fees $0
    Additional Noninterest Income $21,706
    Pre-tax net operating income $71,653
    Securities gains (or losses, -) $0
    Income before extraordinary items $61,030
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $61,030
    Minority interest net income $0
    Net income $61,030
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $61,030

    Stock Yards Bank & Trust Company's gross interest income from loans was $147,872,000.
    Stock Yards Bank & Trust Company's net interest income from loans was $135,921,000.
    Stock Yards Bank & Trust Company's fee based income from loans was $8,999,000.
    Stock Yards Bank & Trust Company's net income from loans was $61,030,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,951
    Provision for credit losses $16,918
    Total noninterest expense $101,416
    Salaries and employee benefits $61,454
    Premises and equipment expense $9,858
    Additional noninterest expense $30,104
    Applicable income taxes $10,623
    Net charge-offs $1,646
    Cash dividends $18,050

    Stock Yards Bank & Trust Company's interest expense for loans was $11,951,000.
    Stock Yards Bank & Trust Company's payroll and benefits expense were $61,454,000.
    Stock Yards Bank & Trust Company's property, plant and equipment expenses $9,858,000.

    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 $3,993,862
    Deposits held in domestic offices $3,993,862
    Deposits by Individuals, partnerships, and corporations $3,632,125
    Deposits by U.S. Government $534
    Deposits by States and political subdivisions in the U.S. $354,362
    Deposits by Commercial banks and other depository institutions in U.S. $6,842
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,548,193
    Demand deposits $1,192,208
    Nontransaction accounts $1,445,670
    Money market deposit accounts (MMDAs) $844,414
    Other savings deposits (excluding MMDAs) $208,852
    Total time deposits $392,405
    Total time and savings deposits $2,801,655
    Noninterest-bearing deposits $1,192,285
    Interest-bearing deposits $2,801,577
    Retail deposits $3,898,790
    IRAs and Keogh plan accounts $52,525
    Brokered deposits $24,757
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,604,281
    Cash & Balances due from depository institutions $242,978
    Interest-bearing balances $199,799
    Total securities $586,978
    Federal funds sold & reverse repurchase $74,967
    Net loans and leases $3,502,345
    Loan and leases loss allowance $51,920
    Trading account assets $0
    Bank premises and fixed assets $58,016
    Other real estate owned $281
    Goodwill and other intangibles $17,184
    All other assets $121,532

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,604,281
    Total Liabilities $4,177,925
    Total deposits $3,993,862
    Interest-bearing deposits $2,801,577
    Deposits held in domestic offices $3,993,862
    % insured (estimated) $52
    Federal funds purchased and repurchase agreements $59,443
    Trading liabilities $0
    Other borrowed funds $41,226
    Subordinated debt $0
    All other liabilities $83,394

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,502,345
    Loan and leases loss allowance $51,920
    Total loans and leases (domestic) $3,554,265
    All real estate loans $2,110,823
    Real estate loans in domestic offices $2,110,823
    Construction and development loans $287,999
    Residential 1-4 family construction $13,270
    Other construction, all land development and other land $274,729
    Loans secured by nonfarm nonresidential properties $1,208,071
    Nonfarm nonresidential secured by owner-occupied properties $492,665
    Commercial real estate & other non-farm, non-residential $715,406
    Multifamily residential real estate $110,388
    1-4 family residential loans $498,122
    Farmland loans $6,243
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $1,319,062
    To non-U.S. addressees $0
    Loans to individuals $44,607
    Credit card loans $0
    Related Plans $28,430
    Consumer Auto Loans $5,844
    Other loans to individuals $10,333
    All other loans & leases $79,773
    Loans to foreign governments and official institutions $0
    Other loans $34,210
    Loans to depository institutions and acceptances of other banks $9,587
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $16
    Non 1-4 family restructured loans & leases $16
    Total loans and leases (foreign) $0

    Stock Yards Bank & Trust Company had $3,502,345,000 of loans outstanding in 2020. $2,110,823,000 of loans were in real estate loans. $287,999,000 of loans were in development loans. $110,388,000 of loans were in multifamily mortgage loans. $498,122,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $5,844,000 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 1,243 $344,161 $276,879
    Nonfarm, nonresidential loans - <$100k 164 $8,064 $49,171
    Nonfarm, nonresidential loans - $100-250k 384 $50,740 $132,135
    Nonfarm, nonresidential loans - $250k-1MM 695 $285,357 $410,586
    Commercial & Industrial, US addressed loans - <$1MM 4,916 $575,060 $116,977
    Commercial & Industrial, US addressed loans - <$100k 2,992 $101,282 $33,851
    Commercial & Industrial, US addressed loans - $100-250k 1,067 $143,214 $134,221
    Commercial & Industrial, US addressed loans - $250k-1MM 857 $330,564 $385,722
    Farmland loans - <$1MM 25 $2,950 $118,000
    Farmland loans - <$100k 11 $148 $13,455
    Farmland loans - $100-250k 9 $1,158 $128,667
    Farmland loans - $250k-1MM 5 $1,644 $328,800