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
  • 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 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, Lexington, Cincinnati, Indianapolis, and Richmond among others. We have data for 57 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    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

    2,218

    Origination Dollar Volume (All Markets)

    $510,550,000

    Employee count

    820 Show all (15) 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) 1,388 $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, Lexington, Cincinnati, Indianapolis, and Richmond among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (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: 246
    The Riddell National Bank
    Similarity Rank: 252
    Mutual Savings Bank
    Similarity Rank: 264
    The Cecilian Bank
    Similarity Rank: 280
    CINFED Federal Credit Union
    Similarity Rank: 288
    Peoples Exchange Bank
    Similarity Rank: 432
    Sharefax Credit Union
    Similarity Rank: 505
    MORTGAGE SUPPLIERS, INC.
    Similarity Rank: 528
    Independent Federal Credit Union
    Similarity Rank: 560
    Madison County Federal Credit Union
    Similarity Rank: 784

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,498 $415,690,000 $277,497 $2,262 3.12%
    HELOC 592 $72,750,000 $122,889 n/a 2.93%
    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 2021, Stock Yards Bank & Trust Company's most frequently originated type of loan was Conventional, with 1,498 originations. Their 2nd most popular type was HELOC, with 592 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Stock Yards Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 746 originations. The 2nd most popular reason was 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 2021, Stock Yards Bank & Trust Company's most frequently cited loan duration was 30 Year, with 1,048 originations. The 2nd most popular length was 10 Year, with 596 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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 4 $1,000,000 $250,000
    $4k-5k 4 $1,730,000 $432,500
    $5k+ 2 $800,000 $400,000

    Stock Yards Bank & Trust Company's average total fees were $2,685, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.08%, while their most frequently originated rate bucket for loans was 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 or Islander 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 applications
    86.49%

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

    Pick Rate

    Approvals leading to origination
    80.66%

    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 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 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 1975 Bypass Road Winchester, KY 40391 Full Service B&M $49,439
    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
    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 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 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

    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