Company: SYBT
Filing Date: 2025-11-05
Form Type: 10-Q
Source: 0001437749-25-033206
Chunk: 108

Company: Stock Yards Bancorp, Inc.
Filing Date: 2025-11-05
Form: 10-Q
Item: Part I, Item 8
Chunk 108
---
ut within 

			five years

			After five 

			but within

			fifteen years

			Ater fifteen

			years

			Total

			% of Total

			Fixed rate

			$
			359,485

			$
			2,221,694

			$
			867,132

			$
			964,398

			$
			4,412,709

			64
			%

			Variable rate

			743,201

			1,115,947

			623,016

			34,583

			2,516,747

			36
			%

			Total loans

			$
			1,102,686

			$
			3,337,641

			$
			1,490,148

			$
			998,981

			$
			6,929,456

			100
			%

In the event where Bancorp structures a loan with a maturity exceeding five years, an automatic rate adjustment will typically be set in place at five years from origination date to limit interest rate sensitivity.

79

Non-performing Loans and Assets

Information summarizing non-performing loans and assets follows:

			(dollars in thousands)

			September 30, 2025

			December 31, 2024

			Non-accrual loans

			$
			18,559

			$
			21,727

			Modifications to borrowers experiencing financial difficulty

			-

			-

			Loans past due 90 days or more and still accruing

			100

			487

			Total non-performing loans

			18,659

			22,214

			Other real estate owned

			190

			10

			Total non-performing assets

			$
			18,849

			$
			22,224

			Non-performing loans to total loans

			0.27
			%

			0.34
			%

			Non-performing assets to total assets

			0.20
			%

			0.25
			%

			ACL for loans to total non-performing loans

			494
			%

			391
			%