From the livestock trade to a regional bank
Stock Yards Bank & Trust began in Louisville in 1904, serving businesses tied to the livestock industry. Its modern franchise serves individuals, families and businesses across several regional markets. The origin still explains the name, even though the bank’s current work includes mortgages, commercial credit and wealth services. The bank’s own historical account describes expansion from those modest beginnings; it does not imply that today’s portfolio remains predominantly livestock finance. [1]
The charter and the listed company
The FDIC identifies the active Stock Yards Bank & Trust Company in Louisville under certificate 258. It is a state-chartered nonmember bank, with the FDIC as its primary federal regulator. Stock Yards Bancorp, Inc., incorporated in Kentucky in 1988, is the separately listed parent. Its annual report identifies the bank as a wholly owned subsidiary supervised by the FDIC and Kentucky’s financial regulator. Although the bank supplies essentially all operating activity, holding-company expenses and consolidation mean parent earnings need not equal bank earnings. [2] [3]
Field & Main changed the footprint in May
On May 1, 2026, the parent completed its Field & Main acquisition and Field & Main Bank, Inc. merged into Stock Yards Bank & Trust Company. The acquired bank brought six offices across Henderson, Lexington and Cynthiana in Kentucky and Evansville, Indiana. The closing release scheduled full systems integration for October 17, 2026. Legal closing did not complete systems integration. June’s year-over-year comparison includes the acquired bank. [4]
Business credit covers the operating cycle and the next investment
Stock Yards Bank & Trust offers working-capital lines, term loans, acquisition financing and construction and permanent real-estate loans. A credit line supplies flexible funding within a limit; a term loan can spread the cost of equipment or another investment over time. The bank’s construction offering also describes a transition from financing a building project to longer-term repayment. These are product structures, not evidence that every borrower qualifies or that collateral values will remain stable. [5]
The bank’s June financial position
The bank reported $10.360 billion in assets, $8.489 billion in deposits and $7.783 billion in net loans at June 30, 2026. First-half net income rose to $80.425 million from $69.322 million. Gross real-estate-secured lending was $6.014 billion, but that total includes different kinds of property loans and should not be labeled entirely commercial real estate. The noncurrent-loan ratio was 0.31%, compared with 0.26% a year earlier. The table is bank-only and includes the May acquisition. [6]
Scroll horizontally to see all columns.
| Bank-only measure | June 2026 | June 2025 |
|---|---|---|
| Assets | $10,360.306 million | $9,203.594 million |
| Deposits | $8,489.173 million | $7,508.412 million |
| Net loans | $7,782.917 million | $6,764.565 million |
| Book equity | $1,241.825 million | $1,005.466 million |
| Net income, January–June | $80.425 million | $69.322 million |
Deposit growth and borrowing coexisted
At June 2026 the bank had $1.662 billion of noninterest-bearing deposits, estimated uninsured deposits of $3.478 billion and $300 million of Federal Home Loan Bank advances. Net recoveries slightly exceeded during the first half, producing an annualized net charge-off ratio just below zero. That does not mean all loans performed without problems: recoveries on previously charged-off loans can offset new losses. Common-equity Tier 1 capital was 12.02%. These measurements describe the reporting date and period, not guaranteed future funding access or loan performance. [7]
Treasury services make the account part of daily work
The treasury business offers payroll disbursements, wire origination, electronic collections, lockbox services and remote deposits. It also lists cash sweeps, dual-approval tools and check and electronic-payment fraud controls. Those functions link the bank to recurring business activity and can support deposits and fee income. The public menu does not quantify adoption or retention, and different sweep arrangements carry their own legal terms. An advertised control is a service capability rather than a promise that every loss will be prevented. [8]
Trust work adds a substantial second activity
Stock Yards Bank & Trust offers trust administration and estate settlement, including gathering and managing estate assets, handling expenses and distributing property. The parent’s June filing reported $8.84 billion of wealth-management-and-trust assets under management, including $890 million attributed to the acquired business. It explicitly excludes those client assets from the consolidated balance sheet. Parent first-half net income was $76.652 million, illustrating the distinction from the bank’s $80.425 million. The same filing values acquisition consideration at about $112 million in shares; that is a parent transaction measure, not bank lending income. [9] [10]
Sources
- Stock Yards Bank & Trust: origins in Louisville livestock bankingSourceBack to text: ↑
- FDIC institution directory: certificate 258, October 2, 2026 indexOfficial sourceBack to text: ↑
- Stock Yards Bancorp: 2025 Form 10-K, ownership, regulation and business modelFiling / reportBack to text: ↑
- Stock Yards Bancorp: completed Field & Main acquisition, May 1, 2026SourceBack to text: ↑
- Stock Yards Bank & Trust: business credit and loansSourceBack to text: ↑1↑2
- FDIC bank-only financials: certificate 258, June 30, 2026 and June 30, 2025; dollar fields in thousandsOfficial sourceBack to text: ↑
- FDIC bank-only funding and capital: certificate 258, June 30, 2026 and June 30, 2025Official sourceBack to text: ↑
- Stock Yards Bank & Trust: treasury-management servicesSourceBack to text: ↑1↑2
- Stock Yards Bank & Trust: trust administration and estate settlementSourceBack to text: ↑
- Stock Yards Bancorp: June 30, 2026 Form 10-Q, acquisition and wealth-management reportingFiling / reportBack to text: ↑