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Stock Yards Bank & Trust Company
Louisville, KY·FDIC Cert #258·Charter: STATE·Est. 19040601.0·HC: STOCK YARDS BCORP INC
Total Assets
$9.5B
Q4 2025
Return on Assets
1.57%
+0.01%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
51.09%
Peer avg: 56.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.57%+0.01
ROE
14.33%-0.03
Efficiency
51.09%-0.23
Equity/Assets
0.00%+0.00
NPL Ratio
0.19%-0.09
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.25%-0.25
Charge-offs
0.01%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.4 | 1.4 | 1.4 | 1.5 | 1.5 | 1.6 | 1.6 |
| ROE | 12.5 | 12.8 | 12.8 | 13.0 | 14.3 | 14.2 | 14.4 | 14.3 |
| Efficiency | 55.9 | 55.2 | 53.9 | 53.6 | 51.9 | 51.7 | 51.3 | 51.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.3 | 0.3 | 0.3 | 0.2 | 0.3 | 0.3 | 0.2 |
| Charge-offs | -0.0 | -0.0 | 0.0 | 0.0 | -0.1 | -0.0 | -0.0 | 0.0 |
| Loan/Deposit | 87.3 | 91.2 | 92.1 | 89.8 | 90.0 | 90.1 | 89.5 | 89.3 |
Balance Sheet
Total Assets$9.5B
Total Deposits$7.8B
Total Loans$7.0B
Total Equity$1.1B
Profitability
ROA1.57%
ROE14.33%
Efficiency Ratio51.09%
Net Income$144.4M
Risk & Asset Quality
NPL Ratio0.19%
Charge-off Rate0.01%
Loan/Deposit89.25%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans