Company: SYBT
Filing Date: 2025-11-05
Form Type: 10-Q
Source: 0001437749-25-033206
Chunk: 8

Company: Stock Yards Bancorp, Inc.
Filing Date: 2025-11-05
Form: 10-Q
Item: Part I, Item 8
Chunk 8
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Commercial real estate - owner occupied

			1,091,134

			1,002,853

			Total commercial real estate

			3,039,026

			2,838,788

			Commercial and industrial - term

			865,759

			884,399

			Commercial and industrial - lines of credit

			624,390

			554,255

			Total commercial and industrial

			1,490,149

			1,438,654

			Residential real estate - owner occupied

			873,540

			805,080

			Residential real estate - non-owner occupied

			394,429

			382,744

			Total residential real estate

			1,267,969

			1,187,824

			Construction and land development

			675,052

			623,005

			Home equity lines of credit

			271,017

			247,433

			Consumer

			142,149

			144,644

			Leases

			18,517

			15,514

			Credits cards

			25,577

			24,540

			Total loans (1)

			$
			6,929,456

			$
			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 $24 million and $23 million at September 30, 2025 and December 31, 2024, respectively, and was included in the condensed consolidated balance sheets.

Loans with carrying amounts of $3.73 billion and $3.48 billion were pledged to secure FHLB borrowing capacity at September 30, 2025 and December 31, 2024, respectively.

Loans to directors and their related interests, including loans to companies for which directors are principal owners and executive officers, totaled $100 million and $97 million as of September 30, 2025 and December 31, 2024, respectively.

16

ACL for Loans

The tables below reflect activity in the ACL for loans:

			(in thousands)

			Three Months Ended September 30, 2025

			Beginning 
			B