Stock Yards Bank & Trust Company: SBA Lending Record
What SBA's own loan files show about Stock Yards Bank & Trust Company as an SBA lender, and how a lender's record bears on a feasibility study.
Stock Yards Bank & Trust Company in SBA records
Stock Yards Bank & Trust Company has $275.6 million in gross approvals on 474 loans, counting FY2017 through FY2026 in SBA's files. Every loan here is 7(a); SBA 504 loans do not appear. SBA files Stock Yards Bank & Trust Company under KY. SBA reports 474 loans the bank has now or had last, and the guarantee is SBA's. The page does not describe Stock Yards Bank & Trust Company's credit policy.
Kentucky, Indiana and Ohio
Kentucky accounts for 278 loans, Indiana for 121 and Ohio for 61. Of the 474 loans, 321 sit in no named class. Among the named classes, full-service restaurants lead at 38, limited-service restaurants have 25, fitness centers 16, car washes 10 and medical offices 9.
What happened after approval
Take the FY2017 to FY2024 approvals. 7.3% is the cancellation floor. 7.3% is the ceiling, the same figure. The FY2017 through FY2021 cohort has 166 loans. 3.0% is its charge-off floor so far. We hold back the five-year figure under Loan Analytics' own threshold, since the loans behind it fall short; so do not read it as zero. Both rates cover 166 loans that may yet fail.
Car washes and restaurants
With 10 car wash loans in the file, a car wash study needs to test tunnel or bay throughput, the wash mix and equipment cost, plus the value of a specialised site if the business falters. A full-service restaurant study weighs sales per seat, labour and occupancy cost. A fitness study tests membership depth and build-out cost. A medical office study tests provider capacity and payer mix. For all of them, debt service coverage must be shown for a weak year as well as a settled one.
Reading the geography
Kentucky holds most of the file, with Indiana and Ohio far behind. A project in those three states is near the centre of the file; a project elsewhere should say why it is relevant. And with 321 loans without a named class, a borrower whose property type is not named should treat the table as thin precedent, and let the study carry the market evidence and an appraisal that holds.
Holdings, not policy
A last point of reading: the page lists 474 loans and $275.6 million held by one bank, as SBA reports them, and it says nothing about what Stock Yards Bank & Trust Company asks of applicants. The 7.3% cancellation floor and the 3.0% charge-off floor are minimums. A borrower in Kentucky, with 278 loans in the file, or in Indiana, with 121, is closest to the record, and a study should still stand on its own evidence.
SBA loans held by Stock Yards Bank & Trust Company
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 474 |
|---|---|
| Gross dollars approved | $275.6 million |
| SBA 7(a) loans | 474 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 7.3% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 7.3% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 3.0% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 166 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 321 |
| Full-service restaurant | 38 |
| Limited-service restaurant | 25 |
| Fitness center | 16 |
| Car wash | 10 |
| Medical office (physicians) | 9 |
| Coffee shop and snack bar | 9 |
| Automotive mechanical repair (car and truck) | 7 |
| Beauty salon | 7 |
| Beverage manufacturing (breweries, wineries, distilleries) | 6 |
| Liquor store | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-258.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Stock Yards Bank & Trust Company or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
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