Stock Yards Bancorp, Inc.

Overview

Stock Yards Bancorp, Inc. is a U.S. bank holding company headquartered in Louisville, Kentucky; its banking operations are conducted through Stock Yards Bank & Trust Company. Established in 1904, the bank provides community banking and financial services across Kentucky, the Indianapolis, Indiana, and Cincinnati, Ohio, metropolitan areas. Its offerings include deposit and lending services, wealth management and trust, mortgage banking, and treasury management.[1]+2

For the year ended December 31, 2025, the company reported $300.312 million in net interest income and $96.948 million in non-interest income—approximately $397.3 million combined—and 1,123 full-time-equivalent employees. Its disclosed operating footprint is regional and U.S.-based. Stock Yards Bank & Trust describes its mission as providing “unsurpassed customer service” and a “great place to work” for employees.[4]+2 [1]+6

Products & services

Stock Yards Bancorp offers commercial and consumer banking, lending, deposit, payment, and wealth-management products. Business lending includes commercial real estate, construction and land-development, commercial and industrial, working-capital, term, and SBA loans; commercial real estate financing includes construction, construction-to-mini-permanent, investment-property, and development loans. Business services include checking and deposit accounts, online banking and bill pay, international banking, and treasury-management capabilities such as ACH and wire transfers, payroll disbursement, lockbox, remote deposit, liquidity management, fraud mitigation, and reporting.[7]+3 Consumer offerings include checking, savings, certificates of deposit, consumer lending, and wealth and investment services.[11]

Wealth-management and trust services include financial planning, investment management, retirement planning, and trust and estate services, as well as support for business and institutional retirement plans.[12][13] At year-end 2025, wealth-management assets under management were $7.64 billion.[14] The 2025 loan portfolio was led by commercial real estate ($3.037 billion, about 43.1% of loans), commercial and industrial ($1.509 billion, about 21.4%), residential real estate ($1.273 billion, about 18.1%), and construction and land development ($752 million, about 10.7%).[15] In 2025, wealth-management and trust generated $42.808 million, debit and credit card services $19.873 million, and treasury-management fees $11.679 million; wealth-management and trust represented about 44% of reported noninterest income.[4] [7]+16

Geographic presence

Stock Yards Bancorp operates in Kentucky, Indiana, and Ohio. Its FY2025 annual report describes markets in Louisville and central, eastern, and northern Kentucky, as well as the Indianapolis and Cincinnati metropolitan areas. At December 31, 2025, the company had 75 full-service banking centers, up from 72 a year earlier.[2][16]

The 2025 expansion included branches in Bardstown, Kentucky, and Liberty Township, Ohio, within the Cincinnati market; the company also announced a Center Grove branch in Greenwood, Indiana.[17]+3 The company reports that most loans are made to borrowers in its Kentucky, Indianapolis, and Cincinnati markets, but does not provide geographic revenue or loan figures by region.[21][22] [2]+7

Business segments

Stock Yards Bancorp reports two business segments. Commercial Banking provides consumer and business lending and deposit services, including retail and mortgage lending, private and commercial banking, commercial real estate lending, leasing, treasury and merchant services, and related banking and brokerage services. WM&T provides investment management, financial and retirement planning, trust and estate services, and retirement-plan management for businesses and corporations.[23]+2

In 2025, Commercial Banking generated approximately 99.6% of consolidated net interest income, 55.8% of noninterest income, and 90.5% of net income. WM&T generated approximately 0.4% of net interest income, 44.2% of noninterest income, and 9.5% of net income. These percentages are calculated from reported segment and consolidated results.[26] [23]+3

Company history

Stock Yards Bank was organized in Louisville in 1904 by ten local businessmen and opened on September 17 to serve businesses associated with the livestock trade. The bank marked its centennial in 2004, emphasizing its history of independence.[27][28]

S.Y. Bancorp, Inc. was incorporated in Kentucky in 1988 as the bank’s holding company. Its acquisition history includes Austin State Bank in 1996 and THE BANCorp in 2013; the latter’s subsidiary bank merged into Stock Yards Bank & Trust. In 2014, S.Y. Bancorp changed its name to Stock Yards Bancorp, Inc.[29]+3

Leadership transitions included David P. Heintzman succeeding David Brooks as chairman and CEO in 2005, and James A. “Ja” Hillebrand succeeding Heintzman as CEO in 2018; Hillebrand became chairman in 2021. The company continued to expand through acquisitions, including King Bancorp in 2019, Kentucky Bancshares in 2021, Commonwealth Bancshares in 2022, and Field & Main Bancorp in 2026.[33]+4 [29]+10

Sources

• Stock Yards Bancorp, Inc. — Full financial report (2025 Y)
  16 citations

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• Stock Yards Bancorp, Inc. — Full financial report (2015 Y)[29][31]
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