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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.
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.
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