Company: SYBT
Filing Date: 2025-05-06
Form Type: 10-Q
Source: 0001437749-25-014698
Chunk: 17

Company: Stock Yards Bancorp, Inc.
Filing Date: 2025-05-06
Form: 10-Q
Item: Part I, Item 8
Chunk 17
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 is classified as doubtful.

Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal of loan constitutes a current period origination. Current period renewals of credit are re-underwritten at the point of renewal and considered current period originations for purposes of the table below. Bancorp has elected not to disclose revolving loans that have converted to term loans, as activity relating to this disclosure, which is included in the tables is currently immaterial to Bancorp’s loan portfolio and is expected to be in the future.

20

As of March 31, 2025, the risk rating of loans based on year of origination was as follows:

			Revolving 

			loans

			(in thousands)

			Term Loans Amortized Cost Basis by Origination Year

			amortized

			March 31, 2025

			2025

			2024

			2023

			2022

			2021

			Prior

			cost basis

			Total

			Commercial real estate -  non-owner occupied:

			Risk rating

			Pass

			$
			109,664

			$
			367,190

			$
			296,313

			$
			401,430

			$
			288,667

			$
			331,642

			$
			27,075

			$
			1,821,981

			OAEM

			7,768

			5,884

			-

			162

			10,627

			14,729

			-

			39,170

			Substandard

			-

			1,544

			-

			2,290

			-

			322

			98

			4,254

			Substandard non-performing

			63

			265

			-

			-

			-

			4,619

			-

			4,947

			Doubtful

			-

			-

			-

			-

			-

			-

			-

			-

			Total Commercial real estate non-owner occupied

			$
			117,495

			$
			374,883

			$
			296,313

			$