Company: SYBT
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0001437749-25-024786
Chunk: 105

Company: Stock Yards Bancorp, Inc.
Filing Date: 2025-08-05
Form: 10-Q
Item: Part I, Item 8
Chunk 105
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 (based on contractual maturity) and rate sensitivity of the total loan portfolio as of June 30, 2025:

			Maturity

			June 30, 2025 (in thousands) 

			Within one 

			year

			After one 

			but within 

			five years

			After five 

			but within 

			fifteen years

			Ater fifteen 

			years

			Total

			% of Total

			Fixed rate

			$
			411,715

			$
			2,155,453

			$
			892,849

			$
			953,005

			$
			4,413,022

			64
			%

			Variable rate

			770,239

			999,628

			634,342

			33,042

			2,437,251

			36
			%

			Total loans

			$
			1,181,954

			$
			3,155,081

			$
			1,527,191

			$
			986,047

			$
			6,850,273

			100
			%

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

80

Non-performing Loans and Assets

Information summarizing non-performing loans and assets follows:

			(dollars in thousands)

			June 30, 2025

			December 31, 2024

			Non-accrual loans

			$
			17,650

			$
			21,727

			Modifications to borrowers experiencing financial difficulty

			-

			-

			Loans past due 90 days or more and still accruing

			378

			487

			Total non-performing loans

			18,028

			22,214

			Other real estate owned

			10

			10

			Total non-performing assets

			$
			18,038

			$
			22,224

			Non-performing loans to total loans

			0.26
			%