Company: SYBT
Filing Date: 2025-11-05
Form Type: 10-Q
Source: 0001437749-25-033206
Chunk: 110

Company: Stock Yards Bancorp, Inc.
Filing Date: 2025-11-05
Form: 10-Q
Item: Part I, Item 8
Chunk 110
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 conditions change, Bancorp could experience further adjustments in its required ACL for loans.

The following table sets forth the ACL by category of loan:

			September 30, 2025

			December 31, 2024

			(dollars in thousands)  

			Allocated 

			Allowance

			% of Total

			ACL on

			loans

			ACL for

			loans to 

			Total Loans

			Allocated

			Allowance

			% of Total 

			ACL on 

			loans

			ACL for

			loans to

			Total Loans

			Commercial real estate - non-owner occupied

			$
			14,318

			16
			%

			0.73
			%
			 
			$
			13,935

			16
			%

			0.76
			%

			Commercial real estate - owner occupied

			12,882

			14
			%

			1.18
			%

			10,192

			12
			%

			1.02
			%

			Total commercial real estate

			27,200

			30
			%

			0.89
			%

			24,127

			28
			%

			0.85
			%

			Commercial and industrial - term

			20,823

			23
			%

			2.41
			%

			21,284

			25
			%

			2.41
			%

			Commercial and industrial - lines of credit

			8,546

			9
			%

			1.37
			%

			6,496

			7
			%

			1.17
			%

			Total commercial and industrial

			29,369

			32
			%

			1.97
			%

			27,780

			32
			%

			1.93
			%

			Residential real estate - owner occupied

			14,795

			16
			%

			1.69
			%

			14,468

			17
			%

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