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Stock Yards Bancorp (SYBT) investor relations material
Stock Yards Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Q2 2025 net income reached $34.0 million, up 23% year-over-year, with diluted EPS of $1.15, driven by robust loan and deposit growth and net interest margin expansion.
Total loans grew 13% year-over-year, led by commercial real estate, C&I, and residential real estate, with broad-based growth across all markets.
Deposit balances increased 14% year-over-year, with time deposits leading growth and non-interest-bearing deposits over 20% of total.
Net interest margin expanded 27 bps year-over-year to 3.53%, reflecting higher asset yields and controlled funding costs.
Awarded the 2024 Raymond James Community Bankers Cup for the 10th time, recognizing top-tier performance.
Financial highlights
Net interest income (FTE) for Q2 2025 was $73.6 million, up 18% year-over-year; total interest income rose 15% to $115 million.
Non-interest income increased 3% to $24.3 million, with treasury management and brokerage fees offsetting a 3% decline in wealth management & trust income.
Non-interest expenses rose 7% to $52.7 million, mainly due to higher compensation and marketing costs.
Efficiency ratio improved to 53.83% from 57.26% a year ago.
Annualized return on average assets was 1.52% (up from 1.35%); return on average equity was 13.91% (up from 12.64%).
Outlook and guidance
Net interest margin expected to remain steady despite anticipated stronger deposit competition in the second half of 2025.
Management expects continued pricing pressure and competition for both loans and deposits in the coming quarters.
Interest rate sensitivity analysis shows the company is asset-sensitive, with rising rates expected to benefit net interest income.
Optimism for continued momentum in wealth management & trust due to recent hires and net new business traction.
Two new branch locations planned for 2025 to expand geographic footprint.
Explain the rationale behind the share repurchase plan.
How will deposit competition impact net interest margin?
Assess the sustainability of swap fee income.
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Next Stock Yards Bancorp earnings date
Q3 202524 Oct, 2025
Next Stock Yards Bancorp earnings date
Q3 202524 Oct, 2025
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Frequently asked questions
Stock Yards Bancorp, Inc. serves as the holding company for Stock Yards Bank & Trust Company, offering a range of financial services to individuals, corporations, and other entities across the United States. Its operations are divided into two main segments: Commercial Banking and Wealth Management & Trust (WM&T). The Commercial Banking segment provides a comprehensive suite of services including retail and commercial lending, mortgage banking, deposit services, and other related financial services. Meanwhile, the WM&T segment specializes in investment management, financial and retirement planning, trust and estate services, and retirement plan management for businesses. The company is headquartered in Louisville, Kentucky, and its shares are listed on the NASDAQ.
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