{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-22-000486","form_type":"8-K","ticker":"SYBT","cik":"0000835324","company_name":"Stock Yards Bancorp, Inc.","filed_at":"2022-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:09.946461+00:00","generated_at":"2026-06-27T15:40:40.965724+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Stock Yards Bancorp posts record 2021 net income $74.6M; Q4 EPS $0.92 vs $0.78 YoY","bullets":["Net income Q4 2021: $24.6M ($0.92 diluted EPS) vs $17.7M ($0.78) in Q4 2020; full-year record $74.6M ($2.97) vs $58.9M ($2.59).","Total assets grew 44% YoY to $6.65B; loans (ex-PPP) up 35% YoY; deposits up 45% YoY. Record non-interest income of $18.6M (+36% YoY).","Merger with Commonwealth Bancshares expected to close in Q1 2022; adds $1.31B assets, 15 branches. Regulatory approvals received from KY DFI and FDIC.","Allowance for credit losses released by $1.9M in Q4 due to improving economic forecast; NIM compressed to 3.07%.","Quarterly dividend declared $0.28 per share (unchanged); no share repurchases in 2021; ~741K shares remain under buyback plan."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-22-000486","json":"https://secwatch.observer/filing/0001171843-22-000486.json","markdown":"https://secwatch.observer/filing/0001171843-22-000486.md","text":"https://secwatch.observer/filing/0001171843-22-000486.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/835324/000117184322000486/0001171843-22-000486-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/835324/000117184322000486/f8k_012522.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T15:40:40.965724+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}