Stock Yards Bancorp posted FY 2025 net income available to stockholders of USD 140.2 million (+22%) and diluted EPS of USD 4.75 (+22%). Return on average assets was 1.53% and return on equity was 14.00% in FY 2025. Total revenue (net interest income (FTE) plus non-interest income) was USD 397.6 million in FY 2025, including net interest income (FTE) of USD 300.7 million (+17%) and non-interest income of USD 96.9 million (+2%). Net interest margin (FTE) was 3.53% (up 22 bps). In balance sheet highlights, total loans reached USD 7.04 billion at December 31, 2025 (+8%), while total deposits were up to USD 7.74 billion at December 31, 2025 (+9%), led by a USD 499 million (+40%) increase in time deposits. Total assets were USD 9.54 billion at December 31, 2025 (+8%). Credit quality metrics included non-performing loans of USD 13.0 million at December 31, 2025 and net loan charge-offs of USD 0.6 million for FY 2025; the allowance for credit losses on loans ended FY 2025 at USD 91.9 million (1.30% of total loans), with FY 2025 provision for credit losses on loans of USD 5.6 million. Business updates included record treasury management fees and brokerage income contributing to non-interest income, assets under management rising to USD 7.64 billion at December 31, 2025 (from USD 7.07 billion), and the rollout of an insured cash sweep (ICS) deposit offering during 2025 to provide collateralization flexibility and support balance sheet management ahead of the USD 10 billion total-assets regulatory threshold. The company also said it expects to complete its merger with Field & Main Bancorp, Inc. in Q2 2026, subject to remaining closing conditions, and announced the appointment of a market president in December 2025 to lead expansion into south-central Kentucky.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Stock Yards Bancorp Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001437749-26-005830), on February 26, 2026, and is solely responsible for the information contained therein.