Stock Yards Bancorp (SYBT) investor relations material

Opening remarks and agenda

• Meeting conducted virtually, enabling broader shareholder participation and online voting.

• Agenda included election of directors, ratification of auditors, and advisory vote on executive compensation.

• Voting procedures and Q&A process explained, with polls open through proposal presentations.

Board and executive committee updates

• Executive management team introduced, highlighting collaborative leadership and deep bench strength.

• Director nominees and committee chairs presented, with all attending remotely.

Financial performance review

• 2025 marked a record year with net income of $140 million and EPS of $4.75, surpassing prior records.

• Total revenue reached $398 million, with strong organic loan growth and record non-interest income.

• First quarter 2026 net income was $36.6 million, up from $33.3 million in Q1 2025, driven by loan and deposit growth.

• Net interest margin expanded to 3.53% in 2025; capital ratios improved year-over-year.

• Tangible book value per share rose 57% from 2020 to 2025, reaching $29.50.