Company: SYBT
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0001437749-25-024786
Chunk: 15

Company: Stock Yards Bancorp, Inc.
Filing Date: 2025-08-05
Form: 10-Q
Item: Part I, Item 8
Chunk 15
---
idential real estate - non-owner occupied

			381,177

			628

			56

			883

			1,567

			382,744

			Total residential real estate

			1,170,463

			8,365

			3,232

			5,764

			17,361

			1,187,824

			Construction and land development

			622,614

			391

			—

			—

			391

			623,005

			Home equity lines of credit

			246,700

			424

			194

			115

			733

			247,433

			Consumer

			143,796

			470

			69

			309

			848

			144,644

			Leases

			15,514

			—

			—

			—

			—

			15,514

			Credit cards

			24,122

			220

			27

			171

			418

			24,540

			Total

			$
			6,487,947

			$
			10,848

			$
			12,909

			$
			8,698

			$
			32,455

			$
			6,520,402

21

Loan Risk Ratings

Consistent with regulatory guidance, Bancorp categorizes loans into credit risk rating categories based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information and current economic trends. Pass-rated loans include all risk-rated loans other than those classified as OAEM, substandard, and doubtful, which are defined below:

OAEM – Loans classified as OAEM have potential weaknesses requiring management's heightened attention. These potential weaknesses may result in deterioration of repayment prospects for the loan or of Bancorp's credit position at some future date.

Substandard – Loans classified as substandard are inadequately protected by the paying capacity of the obligor or of collateral pledged, if any. Loans so classified have well-defined weaknesses that jeopardize ultimate repayment of the debt. Default is a distinct possibility if the deficiencies are not corrected.

Substandard non-performing – Loans classified as substandard non-performing have all the characteristics of substandard