Stock Yards Bancorp (SYBT) Investor presentation summary

Company overview and market presence

• Headquartered in Louisville, KY, with 81 locations across Kentucky, Indianapolis, and Cincinnati, holding $10.4 billion in assets and $8.8 billion in wealth management and trust AUM as of June 30, 2026.

• Serves major markets with a diverse employer base, including Amazon, Ford, GE Appliances, Humana, and Toyota.

Financial performance and growth

• Net income grew from $107.7 million in 2023 to $140.2 million in 2025, with diluted EPS rising from $3.67 to $4.75.

• Net interest income increased 15% year-over-year for the first half of 2026, with a 7% rise in net interest margin to 3.75%.

• Efficiency ratio improved to 53.4% in Q2 2026, reflecting ongoing investment in technology and branch expansion.

• Compound annual growth rates since 1991: net income 14%, EPS 13%.

Strategic initiatives and acquisitions

• Acquired Field & Main Bancorp in January 2026, expanding into Western Kentucky and solidifying #1 market share in Henderson.

• Pro forma assets post-acquisition reach ~$10.4 billion, with $8.4 billion in AUM and $7.0 billion in deposits.

• Structure allows flexibility to stay under $10 billion in assets at year-end 2026, delaying Durbin amendment impact.