---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-21-007171"
form_type: "8-K"
ticker: "SYBT"
cik: "0000835324"
company_name: "Stock Yards Bancorp, Inc."
filed_at: "2021-10-27T23:59:59+00:00"
generated_at: "2026-06-28T17:44:19.329427+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Stock Yards Bancorp Q3 EPS $0.86, up 34% vs $0.64 YoY; record non-interest income

## Summary
- Net income $23.2M ($0.86 diluted EPS) vs $14.5M ($0.64) in Q3 2020; net interest income $45.5M (+35% YoY).
- Organic loan growth ex-PPP $128M (second-largest quarter ever); total loans ex-PPP up 40% YoY including Kentucky Bancshares.
- Record non-interest income $17.6M (+35% YoY); wealth management/trust $7.1M (+26%), card income +75%, treasury mgmt +29%.
- Dividend raised to $0.28/share; pending Commonwealth Bancshares merger ($1.2B assets) expected to close Q4 2021.
- Net benefit of $1.5M to provision for credit losses; non-performing loans only 0.13% of loans ex-PPP.

## SEC filing metadata
- accession: 0001171843-21-007171
- form_type: 8-K
- ticker: SYBT
- cik: 0000835324
- company_name: Stock Yards Bancorp, Inc.
- filed_at: 2021-10-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/835324/000117184321007171/0001171843-21-007171-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/835324/000117184321007171/f8k_102621.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-21-007171
- JSON: https://secwatch.observer/filing/0001171843-21-007171.json
- Plain text: https://secwatch.observer/filing/0001171843-21-007171.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.