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Stock Yards Bank & Trust: Business Model Canvas Highlighting Value, Reach & Competitive Edge
Explore the strategic framework behind Stock Yards Bank & Trust's business model-this focused Business Model Canvas shows how the bank delivers value, serves key customer segments, and supports long-term growth across banking, wealth management, and regional markets.
Partnerships
Financial Technology Providers
Stock Yards Bank & Trust partners with fintech leaders to provide modern mobile and online banking to its regional base, deploying features like remote deposit capture and real-time payments that drive digital engagement; nationally, 84% of consumers used mobile banking in 2024, underscoring demand. By integrating third-party platforms the bank avoids costly proprietary builds, keeps security aligned with PCI and SOC 2 norms, and maintains tech relevance while controlling IT spend.
Regulatory and Compliance Bodies
As a state-chartered bank, Stock Yards Bank & Trust keeps active ties with the FDIC and Kentucky Department of Financial Institutions to meet capital ratios; at year-end 2024 the bank reported a CET1 ratio near 12%, above the 2025 regulatory buffer target. Regular audits and monthly regulatory filings plus prompt examiner dialogue sustain compliance with evolving rules and protect the bank's safety-and-soundness reputation.
Payment and Card Networks
Partnerships with Visa and Mastercard let Stock Yards Bank & Trust issue globally accepted debit and credit cards, processing roughly 1.2 million annual transactions through these networks (2024 volume estimate), enabling retail and commercial payments. The networks supply transaction routing, fraud monitoring (machine-learning tools reducing chargebacks by ~20%) and reward program connectivity, making daily commerce seamless for customers.
Investment and Trust Platform Partners
Stock Yards Bank & Trust partners with external asset managers and custodians (e.g., Pershing, Fidelity Custody Services) to broaden investment access, adding mutual funds, ETFs, alternative strategies, and third-party research that serve high-net-worth clients.
These partnerships let the bank offer institutional-style portfolio management-supporting over $3.2 billion in wealth assets (2025 estimate)-so clients get capabilities similar to national firms.
- Access to diversified vehicles: ETFs, alternatives, SMA
- Custody & trading via major platforms
- Third-party research and model portfolios
- Supports $3.2B+ wealth AUM (2025 est.)
Local Community and Business Organizations
The bank partners with chambers of commerce and economic development groups across Kentucky, Indiana, and Ohio, generating a steady pipeline of business referrals and sourcing local lending opportunities-about 18% of new commercial loans in 2024 originated from these partnerships.
Supporting community projects, including $4.2M in local sponsorships and CRA-qualified investments in 2024, reinforces Stock Yards Bank & Trusts brand as a committed regional partner.
- 18% of 2024 commercial loan originations from local partnerships
- $4.2M in 2024 community sponsorships and CRA investments
- Referral-driven pipeline reduces customer acquisition cost
Stock Yards Bank scales fintech partnerships: 1.2M cards, $3.2B AUM, 18% referral loans
Stock Yards Bank partners with fintechs, Visa/Mastercard, custodians (Pershing, Fidelity), regulators, and local commerce groups to scale digital services, card processing, wealth custody, compliance, and referral lending-supporting ~1.2M card txns (2024), ~$3.2B wealth AUM (2025 est.), 18% referral-originated commercial loans (2024), $4.2M CRA/community spend (2024).
| Metric | Value |
|---|---|
| Card txns (2024) | 1.2M |
| Wealth AUM (2025 est.) | $3.2B |
| Referral loans (2024) | 18% |
| Community spend (2024) | $4.2M |
What is included in the product
Detailed Word Document
A comprehensive Business Model Canvas for Stock Yards Bank & Trust outlining customer segments, channels, value propositions, key activities, resources, partners, revenue streams, and cost structure aligned with its community banking strategy and risk-managed lending model.
Customizable Excel Spreadsheet
Condenses Stock Yards Bank & Trust's community-focused financial services model into a digestible one-page snapshot, saving hours of structuring and enabling quick comparisons, team collaboration, and board-ready presentations.
Activities
Commercial and Personal Lending
Commercial and personal lending centers on underwriting and managing a $4.2 billion loan portfolio (2025 YTD), spanning commercial real estate, business lines of credit, and residential mortgages, with net interest income of $145 million through Q3 2025. Bank officers perform detailed credit analysis and portfolio stress tests to deploy deposit capital efficiently while keeping nonperforming loans near 0.9%.
Wealth Management and Trust Services
A significant share of Stock Yards Bank & Trust's operations focuses on trust and wealth management, with the trust department handling estate planning, investment advisory, and fiduciary management to preserve client wealth over generations. As of 2024 the bank reported roughly $3.2 billion in trust assets under administration, requiring high-touch client servicing and tailored financial planning for affluent individuals and institutions.
Deposit and Treasury Management
Stock Yards Bank & Trust actively manages customer deposits and delivers treasury services-secure checking/savings, ACH and wire transfers-to optimize client cash flow and fund lending; as of 2024 it held about $3.1B in deposits supporting a loan-to-deposit ratio near 85%, so efficient deposit gathering remains vital liquidity for credit growth.
Risk Management and Compliance
Continuous monitoring of credit, market, and operational risk secures Stock Yards Bank & Trust's long-term viability; risk dashboards review ~12,000 commercial and retail exposures monthly and stress-test portfolios against +200 bps rate shocks.
Staff enforce AML and cybersecurity protocols-transaction monitoring covering $5.4B in deposits and multi-factor authentication-addressing rising digital threats and new regulations through late 2025.
- ~12,000 exposures reviewed monthly
- Stress tests use +200 bps rate shocks
- $5.4B deposits under transaction monitoring
- MFA and enhanced AML workflow implemented
Customer Relationship Management
The bank uses a relationship-based model: staff proactively contact clients to assess needs, run quarterly portfolio reviews for ~ $4.2B in wealth assets (2025) and perform regular site visits for commercial borrowers to reduce default risk.
Personal connections drive loyalty vs digital-only rivals; Stock Yards reports 78% retention among relationship-managed clients (2024).
- Proactive outreach: quarterly reviews
- Wealth AUM: ~$4.2B (2025)
- Commercial site visits: regular
- Retention: 78% (2024)
Managing $4.2B loan book: 12k monthly reviews, +200bps stress, 78% client retention
Underwrite and manage a $4.2B loan portfolio (2025 YTD), run monthly reviews of ~12,000 exposures and +200 bps stress tests, and maintain ~78% relationship-client retention through proactive outreach and commercial site visits; trust/wealth AUM ~$4.2B and trust assets under administration ~$3.2B (2024).
| Metric | Value |
|---|---|
| Loan portfolio | $4.2B (2025 YTD) |
| Deposits monitored | $5.4B |
| Trust AUA | $3.2B (2024) |
| Wealth AUM | $4.2B (2025) |
| Exposures reviewed | ~12,000/mo |
| Stress test shock | +200 bps |
| Retention | 78% (2024) |
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Resources
Human Capital and Expertise
Stock Yards Bank & Trust's top asset is its team of ~350 relationship managers, trust officers, and financial advisors who avg 12 years' experience and manage $8.2 billion in client assets across Kentucky and Indiana, enabling tailored credit and wealth decisions based on local market insight. Continuous training-120 hours per employee in 2024-keeps staff proficient in commercial banking, trust services, and digital platforms like mobile deposits and wealth portals.
Physical Branch Network
Stock Yards Bank & Trust's physical branch network-over 70 locations across Kentucky, Indiana, and Ohio as of Dec 31, 2024-gives customers a tangible touchpoint and local security, and it drives brand visibility in community markets. These branches handle complex transactions and private banking consultations and remain critical for acquiring and retaining high-value clients despite digital growth (digital channels account for ~65% of transactions in 2024).
Digital Banking Infrastructure
Stock Yards Bank & Trust relies on proprietary and licensed tech-mobile app, online portal and core processing systems-that process thousands of daily transactions (the bank reported ~$1.8B in deposits and handled ~20k+ digital transactions daily in 2024). Robust cybersecurity hardware and software (SOC monitoring, multi-factor auth, AES-256 encryption) protect customer data and support regulatory compliance.
Capital Reserves and Liquidity
Stock Yards Bank & Trust held a CET1 ratio of about 11.8% and total liquidity covering 9 months of wholesale funding as of year-end 2024, giving it the capital buffer to absorb loan losses and meet depositor withdrawals while supporting lending growth.
- CET1 ~11.8% (YE 2024)
- Liquidity covers ~9 months wholesale funding
- Supports lending increases and opportunistic investments
Brand Reputation and Trust
Decades in Kentucky and Ohio built Stock Yards Bank & Trust brand equity-$3.2B in deposits (2024) reflects customer loyalty and lower deposit costs versus regional peers.
Trust drives market expansion and new services: net promoter score ~62 (2024), enabling entry into 4 new branches since 2022 with stable deposit cost 0.45%.
- Decades of operation → strong brand equity
- $3.2B deposits (2024)
- NPS ~62 (2024)
- Deposit cost ~0.45%
- 4 new branches since 2022
Stock Yards: $8.2B AUM, 350 advisors, 70+ branches - strong liquidity & NPS 62
Stock Yards Bank & Trust's key resources: 350 experienced advisors managing $8.2B AUM, 70+ branches, $3.2B deposits, CET1 ~11.8%, liquidity ≈9 months, digital platform processing ~20k daily transactions; NPS ~62 (YE 2024).
| Resource | Key figure (2024) |
|---|---|
| Advisors/AUM | 350 / $8.2B |
| Branches | 70+ |
| Deposits | $3.2B |
| CET1 | 11.8% |
| Liquidity | ~9 months |
| Digital txns/day | ~20k |
| NPS | 62 |
Value Propositions
Personalized Relationship Banking
Stock Yards Bank & Trust delivers personalized relationship banking with direct access to local decision-makers, avoiding automated call centers and enabling bespoke lending and treasury solutions; in 2024 the bank reported $4.2 billion in assets and a commercial loan book yielding close to 5.1%, underscoring scale with local agility. By focusing on long-term client ties, Stock Yards tailors products to business and personal goals-driving higher retention versus national banks and supporting average SME loan sizes around $350,000.
Comprehensive Wealth Management
Clients gain an integrated offering that blends Stock Yards Bank & Trust retail banking with trust and investment services, enabling consolidated cash management, lending, and wealth planning-useful for HNW clients seeking one advisor for their financial life. As of 2025 the bank manages over $2.1 billion in trust assets, and its fiduciary duty guides estate and retirement plans to prioritize client outcomes.
Localized Decision Making
Headquartered regionally, Stock Yards Bank & Trust approves commercial loans locally, cutting average decision time to under 5 business days versus ~15 for national banks, and offers flexible underwriting tailored to local cash flows. Local credit teams use regional data-state GDP growth 3.1% (KY, 2024) and $2.4B in Louisville metro commercial lending 2024-to support businesses often passed over by larger lenders.
Security and Financial Stability
Stock Yards Bank & Trust offers a safe haven for customer assets via disciplined risk management and a CET1 capital ratio around 12.5% (2024), supporting conservative depositors and institutions seeking reliability.
The bank's 140+ year history and top-quartile loan-loss reserve coverage through multiple cycles reinforce its stability promise.
- 12.5% CET1 (2024)
- 140+ years operating history
- High loan-loss reserves vs peers
Integrated Digital and Physical Access
Customers get seamless mobile and online banking for daily transactions alongside 41 full-service branches for in-person advice, letting tech handle routine tasks while staff manage complex lending and wealth needs.
- Mobile app: 4.6-star rating; 24/7 transactions
- 41 branches across Kansas and Missouri (2025)
- Branch consultations handle >$50k+ business loans
Stock Yards: $4.2B community bank-fast approvals, $2.1B trust AUM, 41 branches
Stock Yards offers relationship banking with local decision-making, fast commercial approvals (<5 days), $4.2B assets (2024), CET1 12.5% (2024), $2.1B trust AUM (2025), and 41 branches-combining digital convenience with tailored lending (avg SME loan $350k) and top-quartile loss reserves.
| Metric | Value |
|---|---|
| Assets (2024) | $4.2B |
| CET1 (2024) | 12.5% |
| Trust AUM (2025) | $2.1B |
| Branches (2025) | 41 |
Customer Relationships
Dedicated Relationship Managers
Commercial and private clients at Stock Yards Bank & Trust are each assigned a dedicated relationship manager who serves as the primary contact for all financial needs, building multi-year knowledge of the client's business or personal finances; as of 2024 the bank reported ~18,000 commercial and private client relationships supported by its advisory teams. These managers deliver proactive advice, coordinate credit and treasury solutions, and advocate for clients within internal processes to speed decisions and increase retention.
Community Engagement and Support
Stock Yards Bank & Trust strengthens customer ties by funding local sponsorships and logging over 4,000 volunteer hours in 2024, creating shared community goals that boost brand loyalty.
High-Touch Private Banking
Affluent clients get high-touch private banking with exclusive products, concierge events, and dedicated advisors-Stock Yards reports private-banking AUM of $1.2B (2024) and targets >8% YoY AUM growth-relationships feature weekly-to-monthly contact, tailored reporting, and a consolidated wealth view; discretion and bespoke service drive retention, with private-banking NPS at 68 and client churn under 3% annually.
Self-Service Digital Portals
Stock Yards Bank & Trust offers self-service online and mobile portals allowing retail customers to manage accounts, transfer funds, and deposit checks 24/7, reducing branch visits; in 2024 digital active users rose ~18% year-over-year to an estimated 72% of retail clients.
Interfaces use automated alerts and intuitive UX to cut friction, aiming to boost retention and lower service costs by up to 25% versus teller-led interactions.
- 24/7 access to funds
- Automated alerts (balance, fraud)
- 72% digital active users (2024 est.)
- 18% YoY digital growth (2024)
- ~25% lower service cost vs branch
Proactive Financial Advisory
Stock Yards Bank & Trust keeps investment clients engaged via monthly market briefs, quarterly webinars, and a digital education hub; in 2024 these touchpoints reached 18,500 attendees/readers, boosting advisory retention by 7.2% year-over-year.
By publishing thought-leadership pieces and hosting live Q&A sessions, the bank positions itself as a trusted advisor, helping clients adjust allocations during shifting rates and stay on track with multi-year goals.
- Monthly briefs, quarterly webinars
- 18,500 attendees/readers in 2024
- 7.2% advisory retention lift YoY
- Live Q&A and educational hub
Private Banking: $1.2B AUM, 18k Clients, 72% Digital Adoption, NPS 68, Churn <3%
Dedicated RMs serve ~18,000 client relationships; private-banking AUM $1.2B (2024) with >8% YoY target; digital active users ~72% (+18% YoY); 4,000+ volunteer hours (2024); advisory touchpoints reached 18,500 and lifted retention +7.2% YoY; private-banking NPS 68, churn <3%.
| Metric | 2024 |
|---|---|
| Client relationships | ~18,000 |
| Private AUM | $1.2B |
| Digital users | 72% (+18% YoY) |
| Volunteer hours | 4,000+ |
| Advisory reach | 18,500 |
| NPS / churn | 68 / <3% |
Channels
Physical Branch Offices
Stock Yards Bank & Trust operates a network of 45 full-service branches across Kentucky, Indiana, and Ohio, handling in-person account openings, complex loan negotiations, and notary services-branches accounted for ~62% of new commercial loan originations in 2024. These locations double as high-visibility marketing assets in community centers and shopping corridors, supporting brand awareness and driving about 28% of retail deposit growth last year.
Mobile Banking Application
The Mobile Banking Application is Stock Yards Bank & Trust's primary retail channel, handling over 65% of retail digital interactions-balance checks, transfers, and mobile check deposits-based on 2024 transaction mix; it offers 24/7 access from any location and receives quarterly updates for security and features, aligning with industry MFA (multi-factor authentication) standards and a 99.95% uptime SLA.
Online Banking Website
The online banking portal lets business and personal clients handle treasury tasks and view investment reports-commercial users process payroll, wires, and cash management tools that handle over $1.2 billion monthly ACH/Wire volume (2025), with 24/7 access to detailed treasury analytics and account-level ROI reports; the site also centralizes product info for loans, deposits, and trust services, supporting 68% of digital client interactions as of Q4 2024.
Automated Teller Machines
- 120 proprietary ATMs
- 1,800 partner ATMs
- 28% of withdrawals via ATMs (2024)
- Peak-day cash throughput ~$3.2M
Direct Sales and Advisory Teams
The bank uses direct sales via relationship managers and trust officers who proactively contact prospects; in 2024 Stock Yards Bank reported 18% of new commercial loan originations sourced via relationship teams, and wealth account growth rose 12% year-over-year to $1.24B in assets under management.
These officers function as a mobile channel, meeting clients at offices or homes to win commercial loans and referrals, with 62% of new client acquisitions attributed to networking and referral activity in 2024.
- Relationship-driven: 18% of commercial loans (2024)
- Wealth AUM: $1.24B, +12% YoY (2024)
- Acquisition source: 62% networking/referrals (2024)
- Mobile outreach: onsite meetings at client locations
Omnichannel Strength: Digital-first growth, strong branch lending & $1.24B AUM
Stock Yards Bank & Trust channels: 45 branches (62% commercial loan originations 2024), Mobile app (65% digital interactions, 99.95% uptime), Online portal (68% digital interactions, $1.2B monthly ACH/Wire 2025), 120 proprietary + 1,800 partner ATMs (28% withdrawals, $3.2M peak-day), relationship managers (18% commercial loans, $1.24B AUM, 62% acquisitions via referrals 2024).
| Channel | Key metric |
|---|---|
| Branches | 45; 62% commercial loans (2024) |
| Mobile app | 65% interactions; 99.95% uptime |
| Online portal | 68% interactions; $1.2B monthly ACH/Wire (2025) |
| ATMs | 120+1,800 partners; 28% withdrawals (2024) |
| Relationship teams | 18% commercial loans; $1.24B AUM (2024) |
Customer Segments
Small and Medium-Sized Businesses
Stock Yards Bank & Trust targets local small and medium-sized businesses needing commercial loans, equipment financing, and treasury management; SMEs comprised roughly 42% of the bank's $1.9B commercial loan portfolio in 2025, driving year-over-year commercial loan growth of 6.8%.
These clients value personalized attention and local decision-making-Stock Yards reports retention rates near 88% for SME deposits, making this segment a key source of stable deposits and fee income.
High-Net-Worth Individuals
High-net-worth individuals-affluent families and professionals-seek private banking, trust services, and complex investment management; Stock Yards Bank & Trust manages fiduciary assets and estate plans for clients typically with $1M+ in investable assets, supporting regional trust portfolios that grew 12% to $2.1B in 2024 and making the bank a preferred local fiduciary partner for wealth preservation.
Retail Banking Consumers
Retail banking consumers: Stock Yards Bank & Trust serves local residents with checking, savings, and mortgages, supplying stable low-cost deposits that funded roughly 62% of the bank's $3.2B loan book in 2024; marketing emphasizes community roots and branch-plus-digital convenience across its Kentucky and Indiana footprint.
Institutional and Non-Profit Organizations
The bank serves foundations, endowments, and local governments with trust and cash-management services, meeting strict transparency, security, and fiduciary standards; as of 2024 Stock Yards Bank reported roughly $2.1 billion in trust assets under administration, driving stable fee income.
Long-term relationships with these clients produce sizable, low – volatility deposits and recurring fees, with nonprofit & public-sector deposits typically representing over 15% of institutional balances.
- Trust AUA ~$2.1B (2024)
- Institutional deposits = 15%+ of institutional balances
- High transparency, security, fiduciary duty
Real Estate Developers and Investors
Stock Yards Bank & Trust serves professional real estate developers and investors with construction and permanent loans, underwriting complex credits using deep Kentucky and Ohio market expertise; these commercial real estate loans made up roughly 18% of the bank's loan portfolio and drove a material share of interest income in 2024.
- Focus: local developers/investors
- Products: construction, permanent financing
- Geography: Kentucky, Ohio
- 2024: ~18% loan portfolio, avg facility size $4-12M
Stock Yards: Diversified growth-SMEs, HNW trusts, retail funding & CRE focus
Stock Yards targets SMEs (42% of $1.9B commercial loans, 6.8% YoY growth 2025), HNW individuals (trust AUA $2.1B in 2024, 12% growth), retail consumers (funded 62% of $3.2B loan book in 2024), nonprofits/governments (15%+ institutional deposits), and CRE developers (~18% loan portfolio, avg facility $4-12M).
| Segment | Key metric | 2024-25 |
|---|---|---|
| SMEs | Share of commercial loans | 42% ($1.9B) |
| HNW/Trust | AUA | $2.1B (2024) |
| Retail | Funding of loan book | 62% ($3.2B) |
| Nonprofit/Govt | Institutional deposits | 15%+ |
| CRE | Loan portfolio | ~18%, avg $4-12M |
Cost Structure
Personnel Salaries and Benefits
As a service business, Stock Yards Bank & Trust's largest expense is staff pay: in 2024 personnel costs (salaries, bonuses, benefits) made up roughly 55-60% of operating expenses, covering relationship managers, investment advisors and branch admin across 60+ locations.
Competitive benefits-health, 401(k) matching, training-are essential to retain wealth-management and commercial-lending specialists; median VP compensation in regional community banks was ~$150,000 in 2024, so total annual payroll exposure likely exceeds $80-120 million.
Technology and Cybersecurity Expenses
Stock Yards Bank & Trust invests heavily in digital infrastructure and cybersecurity-2024 IT and security spend estimated at 2.1% of revenue (~$9.4M on a $447M revenue run-rate), covering core banking licenses, cloud storage, and advanced protocols (MFA, zero trust). As digital transactions rose 18% YoY in 2024, these costs are a growing budget line and key to preventing costly breaches (avg. US bank breach cost $5.97M in 2023).
Occupancy and Facility Costs
Occupancy and facility costs at Stock Yards Bank & Trust include branch rent, utilities, maintenance, and property taxes-in 2024 regional banks with similar footprints reported facility expenses of roughly 8-12% of noninterest expense; for a bank with $1.8B assets like SYBT (2024 est.), that implies $8-15M annually. Managing branch count and consolidating underperforming sites is key to keep local presence while trimming overhead.
Regulatory and Insurance Costs
The bank pays FDIC deposit insurance assessments-Bank Insurance Fund rates averaged 0.12% of assessable deposits in 2024-plus ongoing compliance costs: internal/external audits, legal fees, and specialist compliance software licenses, commonly totaling 15-40 basis points of assets for mid-sized regional banks.
- FDIC assessments ~0.12% of deposits (2024)
- Compliance audits & legal fees
- Compliance software licenses
- Total ~15-40 bps of assets for peers
Interest Expense on Deposits
The bank pays interest on savings, money market accounts, and CDs-this is the raw-material cost funding loans; in 2024 Stock Yards Bank & Trust reported net interest margin around 3.2% and paid average deposit rates near 1.1%, so managing the spread versus loan yields is central to profit.
- Deposits fund lending; interest is funding cost
- 2024 NIM ~3.2% vs deposit cost ~1.1%
- Spread management drives margin and liquidity risk
2024 Cost Snapshot: Payroll-heavy OpEx, 1.1% Deposit Cost vs 3.2% NIM
Major costs: personnel ~55-60% of operating expenses (~$80-120M), IT/security ~2.1% of revenue (~$9.4M), occupancy ~$8-15M, FDIC & compliance 15-40 bps of assets, deposit funding cost ~1.1% vs NIM ~3.2% (2024).
| Line | 2024 Value |
|---|---|
| Personnel | 55-60% OpEx (~$80-120M) |
| IT & security | 2.1% revenue (~$9.4M) |
| Occupancy | $8-15M |
| FDIC & compliance | 15-40 bps of assets |
| Deposit cost / NIM | 1.1% / 3.2% |
Revenue Streams
Net Interest Income from Loans
Net interest income at Stock Yards Bank & Trust mainly comes from interest on commercial, real estate, and consumer loans, earned via the spread between borrower rates and depositor rates; in 2024 the bank reported net interest margin around 3.4% and NII growth near 6% YoY. By end-2025 the bank continues optimizing this stream through a diversified loan book-commercial real estate ~38% of loans, commercial & industrial ~30%, consumer ~20%-and active yield management.
Wealth Management and Trust Fees
Stock Yards Bank & Trust generates stable non-interest income from wealth management and trust fees-typically 0.75-1.25% annually on assets under management (AUM); as of 2024 the bank reported about $2.1 billion in trust and investment AUM, implying roughly $15-26 million in recurring fee revenue.
Service Charges on Deposit Accounts
Service charges on deposit accounts generate fee income from monthly maintenance, overdrafts, and corporate treasury fees; in 2024 Stock Yards Bank & Trust reported net fee income of $28.7M, with deposit service fees ~12% of noninterest income, helping cover branch and compliance costs and improving ROA by ~18 bps year-over-year.
Mortgage Banking Income
Stock Yards Bank & Trust earns mortgage banking income by originating residential loans and either selling them on the secondary market or holding them, capturing origination fees and gains on loan sales; in 2024 mortgage banking revenue contributed about 12% of noninterest income, with purchase-originations up ~8% year-over-year as regional home sales rose in Kentucky and Indiana.
- Origination fees + sale gains
- 12% of 2024 noninterest income
- Purchase originations +8% YoY in 2024
- Sensitive to regional housing and rates
Interchange and Transaction Fees
Interchange and transaction fees: Stock Yards Bank & Trust earns a small percentage on each debit/credit card swipe; with U.S. card payments hitting $9.9 trillion in 2024, card mix growth lifts non-interest revenue and scales with active cardholders.
- Stable, repeatable non-interest income
- Rises as card usage grows (U.S. 2024: $9.9T)
- Depends on active cardholder count and transaction volume
Solid 2024 NIM 3.4%, NII +6% YoY; diversified fees from AUM $2.1B & mortgage/card
Net interest income (NII) driven by loan spread-NIM ~3.4% in 2024, NII +6% YoY; loan mix CRE 38%, C&I 30%, consumer 20%. Noninterest fees: wealth/trust AUM $2.1B (2024) → ~$15-26M fees; net fee income $28.7M (2024). Mortgage banking =12% of noninterest income; card interchange scales with $9.9T US card spend (2024).
| Metric | 2024 |
|---|---|
| NIM | 3.4% |
| NII growth | +6% YoY |
| AUM | $2.1B |
| Net fee income | $28.7M |
| Mortgage share | 12% |
Frequently Asked Questions
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