Stock Yards Bank & Trust Company
Stock Yards Bank & Trust Company is an SBA 7(a) lender that has approved 313 loans totaling $188.7M between FY2020 and Q1 FY2026 (2025-12-31), with a 2.12% charge-off rate on mature loans. Average loan size: $603K. Active in 9 states. Headquartered in LOUISVILLE, KY.
Total 7(a) loans
313
Total approved
$188.7M
Average loan
$603K
States funded in
9
Charge-off rate
2.12%
FY2020–FY2023 cohort
Paid-in-full rate
25.40%
Average rate
6.68%
Average term
133 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 24 |
| 722513 | Limited-Service Restaurants | 15 |
| 238990 | All Other Specialty Trade Contractors | 13 |
| 722410 | Drinking Places (Alcoholic Beverages) | 10 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 9 |
| 713940 | Fitness and Recreational Sports Centers | 9 |
| 238160 | Roofing Contractors | 8 |
| 323111 | Commercial Gravure Printing | 7 |
| 238210 | Electrical Contractors | 7 |
| 811192 | Car Washes | 7 |
Top 10 states
| State | Loans |
|---|---|
| KY | 183 |
| IN | 80 |
| OH | 43 |
| SC | 2 |
| CT | 1 |
| IL | 1 |
| MI | 1 |
| FL | 1 |
| CA | 1 |
Top franchise brands financed
54 franchise loans across 28 distinct brands.
| Franchise | Loans |
|---|---|
| Two Men and a Truck | 6 |
| Mosquito Joe | 4 |
| Do it Best – Membership Agreem | 4 |
| Ritter's Frozen Custard | 3 |
| Duck Donuts | 3 |
| Smash My Trash | 3 |
| Subway | 3 |
| Big O Tires | 2 |
| Allegra | 2 |
| ServiceMaster | 2 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.