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Bank, Louisville, KY

Stock Yards Bank & Trust Company

A bank based in Louisville, KY. Its commercial book is led by C&I and non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.

Kind
Bank
Data as of
June 30, 2026
Page last changed
November 12, 2026
Commercial book
$5.82B
FDIC call report,
Holds, not loans made
Multifamily loans made, 2025
82
HMDA,
HMDA, 5 or more units
SBA loans, 36 months
184
SBA FOIA,
7(a) and 504, net of cancelled
Total assets
$10.4B
FDIC call report,
Does it fit my deal?

The deal is read here and kept nowhere. Leave out names, income and credit scores.

How to reach them

Each line shows where it came from

Phone
The FDIC record has no phone number. Try the lender's website.
Website
www.syb.comFrom the FDIC record, November 9, 2026.
Address
1040 E Main St, Louisville, KY 40206FDIC institution record,
Regulator record
FDIC BankFind

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What changed. Stock Yards Bank & Trust Company's Multifamily balance rose 17.6% to $547.1M in the quarter ended June 30, 2026. FDIC call reports,

What the public record shows, newest first
WhenWhat the record showsSource
Last 24 months Office changes in the last 24 months: 7 opened, 2 closed, 0 relocated.FDIC structure history. FDIC history
Oct 2023 to Sep 2026 SBA 7(a) approvals by processing method: 83 under Preferred Lender authority, 71 SBA Express.SBA ProcessingMethod field, net of cancellations. SBA FOIA,
Fiscal 2026 The holding company reported a balance of $1.6B still held on loans originated in fiscal 2026.Group level: the registrant and all of its subsidiaries together. A balance, not the amount originated. SEC 10-Q and 10-K filings,
Jun 2025 to Jun 2026 Commercial and industrial balance rose 13.4% to $1.6B in the year to June 30, 2026. Includes loans from acquiring Field & Main Bank in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Non-owner-occupied CRE balance rose 4.8% to $1.5B in the year to June 30, 2026. Includes loans from acquiring Field & Main Bank in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Owner-occupied CRE balance rose 27.9% to $1.3B in the year to June 30, 2026. Includes loans from acquiring Field & Main Bank in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. FDIC call report
May 1, 2026 Acquired Field & Main Bank on May 1, 2026.FDIC structure history. FDIC history,
2024 Reported making 2,088 small business loans totaling $491.9M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. FFIEC CRA disclosure data

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

Stock Yards Bank & Trust CompanyNewest first
PeriodPlaceLoanAmountRateTermLTVSource
Sep 2026KentuckySBA 7(a), Machine Shops$890K6.75%26 yrSBA FOIA
Sep 2026KentuckySBA 7(a), Machine Shops$800K6.75%10 yrSBA FOIA
Sep 2026KentuckySBA 7(a), Health Care and Social Assistance$470K7.5%10 yrSBA FOIA
Sep 2026IndianaSBA 7(a), All Other Professional, Scientific, and Technical Services$320K7.25%10 yrSBA FOIA
Sep 2026KentuckySBA 7(a), Health Care and Social Assistance$300K7.25%9 yrSBA FOIA
Sep 2026KentuckySBA 7(a), Residential Remodelers$270K8.75%10 yrSBA FOIA
Sep 2026KentuckySBA 7(a), Machine Shops$150K6.75%9 yrSBA FOIA
Sep 2026KentuckySBA 7(a), Wholesale Trade$100K7.5%9 yrSBA FOIA
Sep 2026KentuckySBA 7(a), Residential Remodelers$60K8.75%9 yrSBA FOIA
Aug 2026IndianaSBA 7(a), Sports and Recreation Instruction$1.9M7.25%25 yrSBA FOIA
Aug 2026KentuckySBA 7(a), Machine Shops$1.6M7%10 yrSBA FOIA
Aug 2026KentuckySBA 7(a), Manufacturing$1.6M7%10 yrSBA FOIA
Aug 2026IndianaSBA 7(a), All Other Personal Services$1.5M7.75%10 yrSBA FOIA
Jan 2026KentuckySBA 504, Health Care and Social Assistance$410K20 yrSBA FOIA
2025Jefferson County, KYImprovement, 5 to 24 units$1.3M7%5 yr80%HMDA 2025
2025Kenton County, KYPurchase, 5 to 24 units$680K7.25%5 yr74%HMDA 2025
2025Hardin County, KYRefinance, 5 to 24 units$1.3M7.05%5 yr76%HMDA 2025
2025Hendricks County, INPurchase, 5 to 24 units$1.2M7%5 yr64%HMDA 2025
2025Barrow County, GAPurchase, 100 to 149 units$24M7.5%5 yr71%HMDA 2025
2025Fayette County, KYPurchase, 25 to 49 units$2.3M7%5 yr77%HMDA 2025
2025Fayette County, KYImprovement, 25 to 49 units$85K7%5 yr80%HMDA 2025
2025Clark County, KYPurchase, 5 to 24 units$1.7M7.25%5 yr73%HMDA 2025
Feb 2025OhioSBA 504, Accommodation and Food Services$1.9M25 yrSBA FOIA
Jan 2025IndianaSBA 504, Other Services (except Public Administration)$560K25 yrSBA FOIA
Jun 2024IndianaSBA 504, Health Care and Social Assistance$1.2M25 yrSBA FOIA
173 SBA 7(a) loans since October 2023, net of cancelled$120MSBA FOIA

A blank means the source did not report it.

What it holds

FDIC call report, June 30, 2026

Commercial book on the latest filing
BookHoldsOf its loansYear over year
Multifamily$547M6.9%+14.1%
Construction and land development$771M9.8%+13.2%
Owner-occupied CRE$1.27B16.1%+27.9%
Non-owner-occupied CRE$1.52B19.3%+4.8%
Farmland$77.0M1.0%+88.8%
Commercial and industrial$1.63B20.7%+13.4%
Commercial total$5.82B
FDIC call report,

Includes loans from acquiring Field & Main Bank in the window, so growth reflects the acquisition as well as new lending.

Reference only: $1.82B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.

Table
Commercial book by quarter
QuarterCommercial book
Q3 2023$4.08B
Q4 2023$4.20B
Q1 2024$4.28B
Q2 2024$4.45B
Q3 2024$4.61B
Q4 2024$4.82B
Q1 2025$4.95B
Q2 2025$5.09B
Q3 2025$5.13B
Q4 2025$5.21B
Q1 2026$5.39B
Q2 2026$5.82B
FDIC call reports,
Loans on record, by kind
Kind of loanPeriodLoans madeDollarsTypical sizeLargestSource
Multifamily, 5 or more units202582$194M$795K$35MHMDA,
Multifamily, 5 or more units202481$312M$915KHMDA,
1-4 unit investor or business purpose2025230$66.8M$210KHMDA,
SBA 7(a), net of cancelled36 months to Sep 2026173$120M$327K$5MSBA FOIA,
SBA 7(a), net of cancelled12 months to Sep 202657$33.1MSBA FOIA,
SBA 504 first lien, net of cancelled36 months to Sep 202611$24.4M$1.85M$5.1MSBA FOIA,

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.

SBA loans by industry, 36 months
IndustryLoansDollars
Full-Service Restaurants10$7.03M
All Other Professional, Scientific, and Technical Services7$3.60M
Residential Remodelers6$1.41M
Snack and Nonalcoholic Beverage Bars6$1.18M
Plumbing, Heating, and Air-Conditioning Contractors5$10.6M
Machine Shops5$4.34M
Health Care and Social Assistance5$4.09M
Limited-Service Restaurants5$2.21M
SBA FOIA,

Other lenders in these fields: SBA lenders for restaurants, SBA lenders for professional services firms, SBA lenders for construction trades.

Programs on record: Federal Home Loan Bank member, Cincinnati district (FHFA).

Small business loans reported under CRA

FFIEC CRA, 2024

  • Stock Yards Bank & Trust Company reported making 2,088 small business loans totaling $491,922,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 1,028 of $100,000 or less, 407 over $100,000 up to $250,000, 653 over $250,000 up to $1 million.
  • 948 of them, totaling $140,164,000, went to businesses with revenue of $1 million or less.
  • Stock Yards Bank & Trust Company reported making 32 small farm loans totaling $5,060,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 17 of $100,000 or less, 7 over $100,000 up to $250,000, 8 over $250,000 up to $500,000.
  • 29 of them, totaling $4,415,000, went to farms with revenue of $1 million or less.
Counties with 5 or more small business loans in 2024. Other counties, each under 5 loans: 119 loans, $30,501,000.
CountyLoansTotal
Jefferson County, KY864$199M
Marion County, IN159$42.3M
Hamilton County, OH152$50.7M
Fayette County, KY86$20.1M
Hamilton County, IN58$17.5M
Oldham County, KY53$8.39M
Kenton County, KY49$15.8M
Clark County, IN48$9.72M
Bullitt County, KY46$7.18M
Shelby County, KY44$6.74M
FFIEC CRA disclosure data,
Counties with 5 or more small farm loans in 2024. Other counties, each under 5 loans: 23 loans, $3,395,000.
CountyLoansTotal
Bourbon County, KY9$1.67M
FFIEC CRA disclosure data,

In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.

Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.

How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.

Undrawn commitments

FFIEC Call Report, June 30, 2026

  • Stock Yards Bank & Trust Company reported commitments to fund construction loans that had not been drawn at June 30, 2026: $41,993,000 for 1-4 family residential construction and $526,025,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
  • Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $880,692,000. These are credit lines not yet used.

FFIEC Call Report,

Small loans it holds, by original size

FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026

Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.

Commercial and industrial loans, by original amount
Original amountLoansHolds
$100,000 or less1,322$46.0M
Over $100,000 up to $250,000853$104M
Over $250,000 up to $1 million886$292M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by nonfarm nonresidential property, by original amount
Original amountLoansHolds
$100,000 or less165$7.73M
Over $100,000 up to $250,000441$56.6M
Over $250,000 up to $1 million1,177$490M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by farmland, by original amount
Original amountLoansHolds
$100,000 or less55$2.25M
Over $100,000 up to $250,00071$8.04M
Over $250,000 up to $500,00047$11.8M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Agricultural production loans, by original amount
Original amountLoansHolds
$100,000 or less39$1.02M
Over $100,000 up to $250,00014$1.40M
Over $250,000 up to $500,0007$2.30M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,

Where it lends

Offices beside loans on record

Offices and recorded loans by state
StateOfficesMultifamily 20251-4 investor 2025SBA 7(a) 36 mo.SBA 504 36 mo.
Kentucky HQ68631821143
Indiana131026394
Ohio6713133
Florida00711
Georgia01030
Michigan01100
South Carolina00020
Alabama00100
Illinois00010
FDIC office list, HMDA, SBA FOIA,
Counties with the most recorded loans (5 or more)
CountyRecorded loansDollars
Jefferson County, KY59$90.8M
Fayette County, KY19$43.2M
Hamilton County, OH10$15.3M
Marion County, IN8$20.3M
Rowan County, KY7$4.49M
Kenton County, KY7$4.28M
Madison County, KY5$11.4M
HMDA, SBA FOIA,
Metro areas with the most recorded loans (5 or more)
MetroRecorded loansDollars
Louisville/Jefferson County, KY-IN65$149M
Lexington-Fayette, KY29$54.7M
Cincinnati, OH-KY-IN22$28.8M
Indianapolis-Carmel-Greenwood, IN14$33.5M
HMDA, SBA FOIA,

Offices by county

FDIC Summary of Deposits, June 30, 2026

  • Stock Yards Bank & Trust Company has 83 offices in 31 counties and 3 states (FDIC Summary of Deposits, June 30, 2026): 80 full service and 3 limited service.
Counties with the most offices
CountyFull-service officesLimited-service offices
Jefferson County, KY271
Fayette County, KY40
Shelby County, KY40
Hamilton County, OH40
Henderson County, KY30
Oldham County, KY30
Clark County, IN20
Johnson County, IN20
Marion County, IN20
Bourbon County, KY11
Bullitt County, KY20
Clark County, KY20
Harrison County, KY11
Jessamine County, KY20
Madison County, KY20
FDIC Summary of Deposits,

Loan production offices are not in this file. A bank with no office here can still lend here.

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
MeasureThis lenderIts peersHow it is worked outSource
Estimated largest single loan$172M$55.9M to $183M across 8 peersEstimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated.FDIC call report, 12 CFR 32.3, Jun 30, 2026
CRE to capital247.4%123.8% to 262.4% across 8 peers(Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance.FDIC call report,
Construction to capital67.2%18.9% to 83.7% across 8 peersConstruction loans divided by tier 1 capital plus allowance.FDIC call report,
Loans to deposits93.0%70.5% to 97.2% across 8 peersTotal loans divided by total deposits.FDIC call report,
Unused CRE commitments$568M$173M to $1.41B across 8 peersCommitments to lend on commercial real estate that are not yet drawn.FDIC call report,
Loans to assets76.2%55.6% to 79.3% across 8 peersTotal loans divided by total assets.FDIC call report,

Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.

Loan channel and SBA processing

Public record only

Preferred Lender authority
83 loans (48.0%)
SBA Express
71 loans
Approval to first disbursement
25 days, median of 147

SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Peers

Same kind of lender, similar size and book

Peers
LenderStateTotal assetsCommercial book
Republic Bank & Trust CompanyKY$7.05B$2.71B
Community Trust Bank, Inc.KY$6.95B$2.40B
Central Bank & Trust Co.KY$4.01B$2.12B
Washington Trust BankWA$10.5B$5.07B
Independence Bank of KentuckyKY$3.83B$1.27B
Origin BankLA$10.2B$5.52B
Stellar BankTX$10.4B$6.07B
b1BANKLA$8.89B$5.20B
FDIC call report,

Compare these lenders side by side

What we don't know

  • Whether it is taking new loans today, or on what terms.
  • How much of its book it made recently. Call reports carry balances, not loans made.
  • Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
  • How its 1-4 family loans divide between owner-occupied and investor.
  • Whether it takes brokers. No figure here means no evidence, not a refusal.

Check this page

Against the regulator's own record

  1. Name and charter. Stock Yards Bank & Trust Company, FDIC certificate 258. Compare it with the regulator's record. [FDIC BankFind]
  2. Balances. $10.4B in total assets and $5.82B in commercial loans held, from the call report for June 30, 2026. [Source]
  3. Loans made. 577 recorded loans from HMDA and SBA files, through September 30, 2026: 82 HMDA multifamily 2025, 81 HMDA multifamily 2024, 230 HMDA 1-4 unit investor 2025, 173 SBA 7(a) in 36 months, 11 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Stock Yards Bank & Trust Company]
  4. Phone and website. No phone number is on record. Website syb.com, from the FDIC record. [How to reach them]
  5. Small business loans reported under CRA. 2,088 small business loans reported in its CRA filing for 2024. [Source]

Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error

For the record

Data as of June 30, 2026. Page last changed November 12, 2026.

Regulator
FDIC
FDIC certificate
258
RSSD
317342
LEI
4LJGQ9KJ9S0CP4B1FY29
The Lender Report ID
lr_000185
FDIC classifies this bank as
Commercial Lending Specialization
Ownership
Stock
Head office metro area
Louisville-Jefferson County, KY-IN

FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.

  • Reported $10.4B in total assets as of June 30, 2026 (FDIC call report).
  • Held $5.8B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
  • Held $1.6B of commercial and industrial loans as of June 30, 2026, up 13.4% from a year earlier, including loans acquired in a merger (FDIC call report).
  • Held $1.5B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 4.8% from a year earlier, including loans acquired in a merger (FDIC call report).
  • Held $1.3B of owner-occupied commercial real estate loans as of June 30, 2026, up 27.9% from a year earlier, including loans acquired in a merger (FDIC call report).
  • Originated 82 multifamily loans totaling $194.3M in 2025 (HMDA).
11 more sentences
  • Originated 81 multifamily loans totaling $311.9M in 2024 (HMDA).
  • Originated 230 1-4 unit investor or business-purpose loans totaling $66.8M in 2025 (HMDA).
  • Recorded 188 SBA 7(a) approvals totaling $135.9M from October 1, 2023 to September 30, 2026, of which 15 were later cancelled (SBA).
  • Provided the first lien on 11 SBA 504 projects with $24.4M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
  • Listed 87 offices in 3 states (FDIC).
  • Reported making 2,088 small business loans totaling $491.9M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Reported making 32 small farm loans totaling $5.1M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Stock Yards Bancorp, Inc. reported in its 10-Q for the period ended 2026-09-30 that the company and all of its subsidiaries together still held $1.6B of loans originated in fiscal 2026 (SEC filing).
  • Held 3,061 commercial and industrial loans that were $1 million or less when made, with a balance of $442M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Held 1,783 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $554.8M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $42M for 1-4 family and $526M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.

Cite this

Source: The Lender Report, Stock Yards Bank & Trust Company, https://lender.report/lender/stock-yards-bank-and-trust-ky/, data as of June 30, 2026.

Sources

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Work at Stock Yards Bank & Trust Company? Claim this page, free.

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem