Total Assets
$9.5B
Total balance-sheet footings
FDIC Cert #258 · Louisville, Kentucky · Est. 1904
Stock Yards Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Stock Yards Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $9.5B
- Total assets
- A
- Health grade · Excellent
- 1.57%
- Return on assets
- 11.8%
- Tier 1 capital
Data updated July 2026
The verdict
Stock Yards Bank & Trust Company earns a PlainBankData health grade of A (85/100), with well-capitalized at 11.82% Tier 1, profitable at 1.57% ROA, efficient (51% cost ratio).
- #167
- largest of 4,313 FDIC banks by assets
- 96th
- percentile by asset size, nationally
- 11.82%
- Tier 1 ratio - above the 10% well-capitalized line
- 77th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
FDIC Call Report plate
Cert 258 · KY A · 85/100
GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL
- GRADE-A A (85/100)
- MID-PACK #1321/4307
- PHOTO-FINISH Security State Bank · OK
- TIER1-WELL 11.8% Tier 1
- TEXAS-CLEAN 1.1% Texas
- ROA-STRONG 1.57% ROA
- SIZE-REGIONAL $1–10B
- BOOK-FULL 9/9 fields
Nearest health peer outside Kentucky: Security State Bank, OK (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Stock Yards Bank & Trust Company
Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.
What Stock Yards Bank & Trust Company's Call Report plate shows
Stock Yards Bank & Trust Company (FDIC Cert #258) carries a PlainBankData health grade of A at 85/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,321 of 4,307. Tier 1 capital prints at 11.82%, clearing the 10% well-capitalized line. The Texas Ratio is 1.12%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.57%. Balance-sheet scale is $9.5B, 167th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Security State Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Stock Yards Bank & Trust Company
3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)
Stock Yards Bank & Trust Company's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Stock Yards Bank & Trust Company remains an active FDIC-insured reporter.
- LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
- FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
- IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.
How Stock Yards Bank & Trust Company's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (11.82%) 28/40
Return on Assets (ROA) (1.57%) 25/25
Texas Ratio (1.12%) 20/20
Efficiency Ratio (51.09%) 12/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$7.8B
Customer-funded liabilities
Net Loans
$7.0B
Outstanding loan book
Net Income
$144M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Stock Yards Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Stock Yards Bank & Trust Company's score of 85/100 falls in the highlighted band.
Stock Yards Bank & Trust Company: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
85 Top 31% higher than 69% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Stock Yards Bank & Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Stock Yards Bank & Trust Company's $9.5B falls in the highlighted band.
Safety ratios for Stock Yards Bank & Trust Company
Tier 1 capital ratio
Well-capitalized 10%
11.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.82%
Texas Ratio
1.12%
Equity Capital
$1.1B
Earnings posture at Stock Yards Bank & Trust Company
Return on Assets (ROA)
77th percentile nationally
1.57%
Return on Equity (ROE)
14.33%
Efficiency Ratio
51.09%
Income & expense at Stock Yards Bank & Trust Company
$468M
Interest Income
$97M
Non-Interest Income
$207M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Stock Yards Bank & Trust Company reports a Texas Ratio of 1.12% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.12% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($9.5B here), outside Kentucky so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Stock Yards Bank & Trust Company (FDIC Cert #258) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Stock Yards Bank & Trust Company Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
| Planters Bank, Inc.Hopkinsville | $1.9B | A | 1.17% |