Company: SYBT
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0001437749-25-024786
Chunk: 7

Company: Stock Yards Bancorp, Inc.
Filing Date: 2025-08-05
Form: 10-Q
Item: Part I, Item 8
Chunk 7
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 and unrecognized losses on debt securities at June 30, 2025 and December 31, 2024.

15

			(3) 

			Loans and Allowance for Credit Losses on Loans

Composition of loans by class follows:

			(in thousands)

			June 30, 2025

			December 31, 2024

			Commercial real estate - non-owner occupied

			$
			1,989,982

			$
			1,835,935

			Commercial real estate - owner occupied

			1,010,692

			1,002,853

			Total commercial real estate

			3,000,674

			2,838,788

			Commercial and industrial - term

			856,838

			884,399

			Commercial and industrial - lines of credit

			634,305

			554,255

			Total commercial and industrial

			1,491,143

			1,438,654

			Residential real estate - owner occupied

			851,284

			805,080

			Residential real estate - non-owner occupied

			390,784

			382,744

			Total residential real estate

			1,242,068

			1,187,824

			Construction and land development

			671,011

			623,005

			Home equity lines of credit

			263,826

			247,433

			Consumer

			140,715

			144,644

			Leases

			14,563

			15,514

			Credits cards

			26,273

			24,540

			Total loans (1)

			$
			6,850,273

			$
			6,520,402

(1) Total loans are presented inclusive of premiums, discounts and net loan origination fees and costs.

Accrued interest receivable on loans, which is excluded from the amortized cost of loans, totaled $23 million at both June 30, 2025 and December 31, 2024, respectively, and was included in the condensed consolidated balance sheets.

Loans with carrying amounts of $3.65 billion and $3.48 billion were pledged to secure FHLB borrowing capacity at June