Q3 2025 --12-31 false 0000835324 false false false false 1 5 9 0 2 August 6, 2029 August 6, 2028 August 6, 2026 February 6, 2028 1 3 5 10 0 0 0 0 0 0 2 1 0 0 0 http://fasb.org/us-gaap/2025#SecuredOvernightFinancingRateSofrMember http://fasb.org/us-gaap/2025#DeferredIncomeTaxExpenseBenefit http://fasb.org/us-gaap/2025#OtherAssets http://fasb.org/us-gaap/2025#OtherAssets 2019 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00008353242025-01-012025-09-30 thunderdome:item 00008353242025-07-012025-09-30 xbrli:pure 00008353242025-09-30 iso4217:USD 00008353242024-01-012024-09-30 00008353242024-07-012024-09-30 00008353242024-12-31 utr:Y 0000835324srt:MaximumMember2025-01-012025-09-30 utr:M 0000835324srt:MinimumMember2025-01-012025-09-30 0000835324us-gaap:FiduciaryAndTrustMember2024-12-31 0000835324us-gaap:FiduciaryAndTrustMember2025-09-30 0000835324sybt:WMTMember2024-01-012024-09-30 0000835324sybt:CommercialBankingMember2024-01-012024-09-30 0000835324sybt:WMTMember2025-01-012025-09-30 0000835324sybt:CommercialBankingMember2025-01-012025-09-30 0000835324sybt:ProductSalesCommissionsAndFeesMember2024-01-012024-09-30 0000835324sybt:ProductSalesCommissionsAndFeesMembersybt:WMTMember2024-01-012024-09-30 0000835324sybt:ProductSalesCommissionsAndFeesMembersybt:CommercialBankingMember2024-01-012024-09-30 0000835324sybt:ProductSalesCommissionsAndFeesMember2025-01-012025-09-30 0000835324sybt:ProductSalesCommissionsAndFeesMembersybt:WMTMember2025-01-012025-09-30 0000835324sybt:ProductSalesCommissionsAndFeesMembersybt:CommercialBankingMember2025-01-012025-09-30 0000835324sybt:TreasuryManagementMember2024-01-012024-09-30 0000835324sybt:TreasuryManagementMembersybt:WMTMember2024-01-012024-09-30 0000835324sybt:TreasuryManagementMembersybt:CommercialBankingMember2024-01-012024-09-30 0000835324sybt:TreasuryManagementMember2025-01-012025-09-30 0000835324sybt:TreasuryManagementMembersybt:WMTMember2025-01-012025-09-30 0000835324sybt:TreasuryManagementMembersybt:CommercialBankingMember2025-01-012025-09-30 0000835324us-gaap:CreditAndDebitCardMember2024-01-012024-09-30 0000835324us-gaap:CreditAndDebitCardMembersybt:WMTMember2024-01-012024-09-30 0000835324us-gaap:CreditAndDebitCardMembersybt:CommercialBankingMember2024-01-012024-09-30 0000835324us-gaap:CreditAndDebitCardMember2025-01-012025-09-30 0000835324us-gaap:CreditAndDebitCardMembersybt:WMTMember2025-01-012025-09-30 0000835324us-gaap:CreditAndDebitCardMembersybt:CommercialBankingMember2025-01-012025-09-30 0000835324us-gaap:DepositAccountMember2024-01-012024-09-30 0000835324us-gaap:DepositAccountMembersybt:WMTMember2024-01-012024-09-30 0000835324us-gaap:DepositAccountMembersybt:CommercialBankingMember2024-01-012024-09-30 0000835324us-gaap:DepositAccountMember2025-01-012025-09-30 0000835324us-gaap:DepositAccountMembersybt:WMTMember2025-01-012025-09-30 0000835324us-gaap:DepositAccountMembersybt:CommercialBankingMember2025-01-012025-09-30 0000835324us-gaap:FiduciaryAndTrustMember2024-01-012024-09-30 0000835324us-gaap:FiduciaryAndTrustMembersybt:WMTMember2024-01-012024-09-30 0000835324us-gaap:FiduciaryAndTrustMembersybt:CommercialBankingMember2024-01-012024-09-30 0000835324us-gaap:FiduciaryAndTrustMember2025-01-012025-09-30 0000835324us-gaap:FiduciaryAndTrustMembersybt:WMTMember2025-01-012025-09-30 0000835324us-gaap:FiduciaryAndTrustMembersybt:CommercialBankingMember2025-01-012025-09-30 0000835324sybt:WMTMember2024-07-012024-09-30 0000835324sybt:CommercialBankingMember2024-07-012024-09-30 0000835324sybt:WMTMember2025-07-012025-09-30 0000835324sybt:CommercialBankingMember2025-07-012025-09-30 0000835324sybt:ProductSalesCommissionsAndFeesMember2024-07-012024-09-30 0000835324sybt:ProductSalesCommissionsAndFeesMembersybt:WMTMember2024-07-012024-09-30 0000835324sybt:ProductSalesCommissionsAndFeesMembersybt:CommercialBankingMember2024-07-012024-09-30 0000835324sybt:ProductSalesCommissionsAndFeesMember2025-07-012025-09-30 0000835324sybt:ProductSalesCommissionsAndFeesMembersybt:WMTMember2025-07-012025-09-30 0000835324sybt:ProductSalesCommissionsAndFeesMembersybt:CommercialBankingMember2025-07-012025-09-30 0000835324sybt:TreasuryManagementMember2024-07-012024-09-30 0000835324sybt:TreasuryManagementMembersybt:WMTMember2024-07-012024-09-30 0000835324sybt:TreasuryManagementMembersybt:CommercialBankingMember2024-07-012024-09-30 0000835324sybt:TreasuryManagementMember2025-07-012025-09-30 0000835324sybt:TreasuryManagementMembersybt:WMTMember2025-07-012025-09-30 0000835324sybt:TreasuryManagementMembersybt:CommercialBankingMember2025-07-012025-09-30 0000835324us-gaap:CreditAndDebitCardMember2024-07-012024-09-30 0000835324us-gaap:CreditAndDebitCardMembersybt:WMTMember2024-07-012024-09-30 0000835324us-gaap:CreditAndDebitCardMembersybt:CommercialBankingMember2024-07-012024-09-30 0000835324us-gaap:CreditAndDebitCardMember2025-07-012025-09-30 0000835324us-gaap:CreditAndDebitCardMembersybt:WMTMember2025-07-012025-09-30 0000835324us-gaap:CreditAndDebitCardMembersybt:CommercialBankingMember2025-07-012025-09-30 0000835324us-gaap:DepositAccountMember2024-07-012024-09-30 0000835324us-gaap:DepositAccountMembersybt:WMTMember2024-07-012024-09-30 0000835324us-gaap:DepositAccountMembersybt:CommercialBankingMember2024-07-012024-09-30 0000835324us-gaap:DepositAccountMember2025-07-012025-09-30 0000835324us-gaap:DepositAccountMembersybt:WMTMember2025-07-012025-09-30 0000835324us-gaap:DepositAccountMembersybt:CommercialBankingMember2025-07-012025-09-30 0000835324us-gaap:FiduciaryAndTrustMember2024-07-012024-09-30 0000835324us-gaap:FiduciaryAndTrustMembersybt:WMTMember2024-07-012024-09-30 0000835324us-gaap:FiduciaryAndTrustMembersybt:CommercialBankingMember2024-07-012024-09-30 0000835324us-gaap:FiduciaryAndTrustMember2025-07-012025-09-30 0000835324us-gaap:FiduciaryAndTrustMembersybt:WMTMember2025-07-012025-09-30 0000835324us-gaap:FiduciaryAndTrustMembersybt:CommercialBankingMember2025-07-012025-09-30 00008353242024-09-30 0000835324sybt:InvestmentManagementAndTrustMember2024-09-30 0000835324sybt:CommercialBankingMember2024-09-30 0000835324sybt:InvestmentManagementAndTrustMember2025-09-30 0000835324sybt:CommercialBankingMember2025-09-30 0000835324sybt:InvestmentManagementAndTrustMember2024-01-012024-09-30 0000835324sybt:InvestmentManagementAndTrustMember2025-01-012025-09-30 0000835324us-gaap:FiduciaryAndTrustMembersybt:InvestmentManagementAndTrustMember2024-01-012024-09-30 0000835324us-gaap:FiduciaryAndTrustMembersybt:InvestmentManagementAndTrustMember2025-01-012025-09-30 0000835324sybt:InvestmentManagementAndTrustMember2024-07-012024-09-30 0000835324sybt:InvestmentManagementAndTrustMember2025-07-012025-09-30 0000835324us-gaap:FiduciaryAndTrustMembersybt:InvestmentManagementAndTrustMember2024-07-012024-09-30 0000835324us-gaap:FiduciaryAndTrustMembersybt:InvestmentManagementAndTrustMember2025-07-012025-09-30 0000835324sybt:InvestmentManagementAndTrustMember2024-12-31 00008353242022-01-012022-12-31 0000835324sybt:CommonwealthMemberus-gaap:OperatingSegmentsMembersybt:WMTMember2025-09-30 0000835324us-gaap:OperatingSegmentsMembersybt:WMTMember2025-09-30 0000835324us-gaap:OperatingSegmentsMembersybt:CommercialBankingMember2025-09-30 0000835324srt:SubsidiariesMember2024-12-31 0000835324srt:SubsidiariesMember2025-09-30 0000835324sybt:CommonwealthMembersybt:CommonwealthStatutoryTrustVMember2022-03-07 0000835324sybt:CommonwealthMembersybt:CommonwealthStatutoryTrustIVMember2022-03-07 0000835324sybt:CommonwealthMembersybt:CommonwealthStatutoryTrustIIIMember2022-03-07 0000835324us-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2025-09-30 0000835324sybt:InterestRateSwapMaturingAugust62029Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2025-09-30 0000835324sybt:InterestRateSwapMaturingAugust62029Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2025-01-012025-09-30 0000835324sybt:InterestRateSwapMaturingAugust62028Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2025-09-30 0000835324sybt:InterestRateSwapMaturingAugust62028Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2025-01-012025-09-30 0000835324sybt:InterestRateSwapMaturingAugust62026Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2025-09-30 0000835324sybt:InterestRateSwapMaturingAugust62026Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2025-01-012025-09-30 0000835324sybt:InterestRateSwapMaturingFebruary62028Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2025-09-30 0000835324sybt:InterestRateSwapMaturingFebruary62028Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2025-01-012025-09-30 0000835324sybt:ThreeMonthAdvanceMaturingNovember2024Member2024-08-06 0000835324sybt:ThreeMonthAdvanceMaturingNovember2023Member2023-08-07 0000835324sybt:ThreeMonthAdvanceMaturingMay2023Member2023-02-06 0000835324sybt:PayingMemberus-gaap:NondesignatedMember2024-12-31 0000835324sybt:PayingMemberus-gaap:NondesignatedMember2025-09-30 0000835324sybt:ReceivingMemberus-gaap:NondesignatedMember2024-12-31 0000835324sybt:ReceivingMemberus-gaap:NondesignatedMember2025-09-30 0000835324sybt:PayingMemberus-gaap:NondesignatedMember2024-01-012024-12-31 0000835324sybt:PayingMemberus-gaap:NondesignatedMember2025-01-012025-09-30 0000835324sybt:ReceivingMemberus-gaap:NondesignatedMember2024-01-012024-12-31 0000835324sybt:ReceivingMemberus-gaap:NondesignatedMember2025-07-012025-09-30 xbrli:shares 0000835324us-gaap:PerformanceSharesMembersrt:ExecutiveOfficerMember2025-09-30 iso4217:USDxbrli:shares 0000835324us-gaap:PerformanceSharesMembersrt:ExecutiveOfficerMember2025-01-012025-09-30 0000835324us-gaap:PerformanceSharesMembersrt:ExecutiveOfficerMember2024-12-31 0000835324us-gaap:PerformanceSharesMembersrt:ExecutiveOfficerMember2024-01-012024-12-31 0000835324us-gaap:PerformanceSharesMembersrt:ExecutiveOfficerMember2023-12-31 0000835324us-gaap:PerformanceSharesMembersrt:ExecutiveOfficerMember2023-01-012023-12-31 0000835324us-gaap:RestrictedStockMember2025-09-30 0000835324us-gaap:RestrictedStockMember2025-01-012025-09-30 0000835324us-gaap:RestrictedStockMember2024-12-31 0000835324us-gaap:RestrictedStockMember2024-01-012024-12-31 0000835324us-gaap:RestrictedStockMember2023-12-31 0000835324us-gaap:StockAppreciationRightsSARSMember2025-01-012025-09-30 0000835324us-gaap:StockAppreciationRightsSARSMembersrt:WeightedAverageMember2025-01-012025-09-30 0000835324us-gaap:StockAppreciationRightsSARSMembersrt:MaximumMember2025-01-012025-09-30 0000835324us-gaap:StockAppreciationRightsSARSMembersrt:MinimumMember2025-01-012025-09-30 0000835324us-gaap:StockAppreciationRightsSARSMember2025-09-30 0000835324us-gaap:StockAppreciationRightsSARSMembersrt:WeightedAverageMember2025-09-30 0000835324us-gaap:StockAppreciationRightsSARSMembersrt:MaximumMember2025-09-30 0000835324us-gaap:StockAppreciationRightsSARSMembersrt:MinimumMember2025-09-30 0000835324us-gaap:StockAppreciationRightsSARSMember2024-01-012024-12-31 0000835324us-gaap:StockAppreciationRightsSARSMember2024-12-31 0000835324us-gaap:StockAppreciationRightsSARSMembersrt:WeightedAverageMember2024-12-31 0000835324us-gaap:StockAppreciationRightsSARSMembersrt:MaximumMember2024-12-31 0000835324us-gaap:StockAppreciationRightsSARSMembersrt:MinimumMember2024-12-31 0000835324us-gaap:StockAppreciationRightsSARSMembersrt:WeightedAverageMember2024-01-012024-12-31 0000835324us-gaap:StockAppreciationRightsSARSMembersrt:MaximumMember2024-01-012024-12-31 0000835324us-gaap:StockAppreciationRightsSARSMembersrt:MinimumMember2024-01-012024-12-31 0000835324us-gaap:StockAppreciationRightsSARSMember2023-01-012023-12-31 0000835324us-gaap:StockAppreciationRightsSARSMember2023-12-31 0000835324us-gaap:StockAppreciationRightsSARSMembersrt:WeightedAverageMember2023-12-31 0000835324us-gaap:StockAppreciationRightsSARSMembersrt:MaximumMember2023-12-31 0000835324us-gaap:StockAppreciationRightsSARSMembersrt:MinimumMember2023-12-31 0000835324us-gaap:PerformanceSharesMember2025-09-30 0000835324us-gaap:RestrictedStockUnitsRSUMember2025-09-30 0000835324us-gaap:PerformanceSharesMember2024-01-012024-09-30 0000835324us-gaap:RestrictedStockUnitsRSUMember2024-01-012024-09-30 0000835324us-gaap:RestrictedStockMember2024-01-012024-09-30 0000835324us-gaap:StockAppreciationRightsSARSMember2024-01-012024-09-30 0000835324us-gaap:PerformanceSharesMember2025-01-012025-09-30 0000835324us-gaap:RestrictedStockUnitsRSUMember2025-01-012025-09-30 0000835324us-gaap:PerformanceSharesMember2024-07-012024-09-30 0000835324us-gaap:RestrictedStockUnitsRSUMember2024-07-012024-09-30 0000835324us-gaap:RestrictedStockMember2024-07-012024-09-30 0000835324us-gaap:StockAppreciationRightsSARSMember2024-07-012024-09-30 0000835324us-gaap:PerformanceSharesMember2025-07-012025-09-30 0000835324us-gaap:RestrictedStockUnitsRSUMember2025-07-012025-09-30 0000835324us-gaap:RestrictedStockMember2025-07-012025-09-30 0000835324us-gaap:StockAppreciationRightsSARSMember2025-07-012025-09-30 0000835324us-gaap:RestrictedStockUnitsRSUMembersrt:DirectorMember2024-01-012024-03-31 0000835324us-gaap:RestrictedStockUnitsRSUMembersrt:DirectorMember2025-01-012025-03-31 0000835324us-gaap:RestrictedStockUnitsRSUMembersrt:DirectorMember2025-01-012025-09-30 0000835324us-gaap:PerformanceSharesMember2024-09-30 0000835324us-gaap:StockAppreciationRightsSARSMemberus-gaap:ShareBasedCompensationAwardTrancheOneMember2025-01-012025-09-30 00008353242024-04-252024-04-25 00008353242018-01-012018-12-31 0000835324us-gaap:StockAppreciationRightsSARSMember2024-01-012024-09-30 0000835324us-gaap:StockAppreciationRightsSARSMember2025-01-012025-09-30 0000835324us-gaap:StockAppreciationRightsSARSMember2024-07-012024-09-30 0000835324us-gaap:StockAppreciationRightsSARSMember2025-07-012025-09-30 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-09-30 0000835324us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2024-09-30 0000835324us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2024-09-30 0000835324us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2024-09-30 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-01-012024-09-30 0000835324us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2024-01-012024-09-30 0000835324us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2024-01-012024-09-30 0000835324us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2024-01-012024-09-30 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2023-12-31 0000835324us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2023-12-31 0000835324us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2023-12-31 0000835324us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2023-12-31 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-09-30 0000835324us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2025-09-30 0000835324us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2025-09-30 0000835324us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2025-09-30 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-01-012025-09-30 0000835324us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2025-01-012025-09-30 0000835324us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2025-01-012025-09-30 0000835324us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2025-01-012025-09-30 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-12-31 0000835324us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2024-12-31 0000835324us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2024-12-31 0000835324us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2024-12-31 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-07-012024-09-30 0000835324us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2024-07-012024-09-30 0000835324us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2024-07-012024-09-30 0000835324us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2024-07-012024-09-30 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-06-30 0000835324us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2024-06-30 0000835324us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2024-06-30 0000835324us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2024-06-30 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-07-012025-09-30 0000835324us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2025-07-012025-09-30 0000835324us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2025-07-012025-09-30 0000835324us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2025-07-012025-09-30 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-06-30 0000835324us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember2025-06-30 0000835324us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2025-06-30 0000835324us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2025-06-30 0000835324sybt:MandatoryForwardContractMember2024-12-31 0000835324us-gaap:OtherAssetsMembersybt:MandatoryForwardContractMember2024-12-31 0000835324sybt:MandatoryForwardContractMember2025-09-30 0000835324us-gaap:OtherAssetsMembersybt:MandatoryForwardContractMember2025-09-30 0000835324sybt:RateLockLoanCommitmentsMember2024-12-31 0000835324us-gaap:OtherAssetsMembersybt:RateLockLoanCommitmentsMember2024-12-31 0000835324sybt:RateLockLoanCommitmentsMember2025-09-30 0000835324us-gaap:OtherAssetsMembersybt:RateLockLoanCommitmentsMember2025-09-30 0000835324us-gaap:MeasurementInputDefaultRateMember2024-12-31 0000835324us-gaap:MeasurementInputPrepaymentRateMembersrt:MaximumMember2024-12-31 0000835324us-gaap:MeasurementInputPrepaymentRateMembersrt:MinimumMember2024-12-31 0000835324us-gaap:MeasurementInputDiscountRateMembersrt:MaximumMember2024-12-31 0000835324us-gaap:MeasurementInputDiscountRateMembersrt:MinimumMember2024-12-31 0000835324us-gaap:MeasurementInputDefaultRateMember2025-09-30 0000835324us-gaap:MeasurementInputPrepaymentRateMembersrt:MaximumMember2025-09-30 0000835324us-gaap:MeasurementInputPrepaymentRateMembersrt:MinimumMember2025-09-30 0000835324us-gaap:MeasurementInputDiscountRateMembersrt:MaximumMember2025-09-30 0000835324us-gaap:MeasurementInputDiscountRateMembersrt:MinimumMember2025-09-30 0000835324sybt:MortgageServicingRightsMember2025-09-30 0000835324sybt:MortgageServicingRightsMember2024-12-31 00008353242023-12-31 00008353242024-06-30 00008353242025-06-30 0000835324us-gaap:ForeignExchangeForwardMember2024-01-012024-09-30 0000835324us-gaap:ForeignExchangeForwardMember2025-01-012025-09-30 0000835324us-gaap:ForeignExchangeForwardMember2024-07-012024-09-30 0000835324us-gaap:ForeignExchangeForwardMember2025-07-012025-09-30 0000835324us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2024-12-31 0000835324us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2024-12-31 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2024-12-31 0000835324us-gaap:EstimateOfFairValueFairValueDisclosureMember2024-12-31 0000835324us-gaap:CarryingReportedAmountFairValueDisclosureMember2024-12-31 0000835324us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2025-09-30 0000835324us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2025-09-30 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2025-09-30 0000835324us-gaap:EstimateOfFairValueFairValueDisclosureMember2025-09-30 0000835324us-gaap:CarryingReportedAmountFairValueDisclosureMember2025-09-30 0000835324sybt:ImpairedLoansMemberus-gaap:FairValueInputsLevel3Membersrt:WeightedAverageMembersybt:AppraisalDiscountMethodMember2024-12-31 0000835324sybt:ImpairedLoansMemberus-gaap:FairValueInputsLevel3Membersybt:AppraisalDiscountMethodMember2024-12-31 0000835324sybt:ImpairedLoansMemberus-gaap:FairValueInputsLevel3Membersrt:WeightedAverageMembersybt:AppraisalDiscountMethodMember2025-09-30 0000835324sybt:ImpairedLoansMemberus-gaap:FairValueInputsLevel3Membersybt:AppraisalDiscountMethodMember2025-09-30 0000835324us-gaap:FairValueMeasurementsNonrecurringMember2024-12-31 0000835324us-gaap:FairValueMeasurementsNonrecurringMember2025-09-30 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2024-01-012024-09-30 0000835324us-gaap:FairValueMeasurementsNonrecurringMember2024-07-012024-09-30 0000835324us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2024-12-31 0000835324us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2024-12-31 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2024-12-31 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2025-01-012025-09-30 0000835324us-gaap:FairValueMeasurementsNonrecurringMember2025-07-012025-09-30 0000835324us-gaap:FairValueMeasurementsNonrecurringMember2025-06-30 0000835324us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2025-06-30 0000835324us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2025-06-30 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2025-06-30 0000835324sybt:SellingAndClosingCostsMembersrt:MaximumMember2025-09-30 0000835324sybt:SellingAndClosingCostsMembersrt:MinimumMember2025-09-30 0000835324us-gaap:FairValueMeasurementsRecurringMember2024-12-31 0000835324us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2024-12-31 0000835324us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2024-12-31 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMember2024-12-31 0000835324sybt:MandatoryForwardContractMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-31 0000835324sybt:MandatoryForwardContractMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2024-12-31 0000835324sybt:MandatoryForwardContractMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2024-12-31 0000835324sybt:MandatoryForwardContractMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMember2024-12-31 0000835324sybt:RateLockLoanCommitmentsMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-31 0000835324sybt:RateLockLoanCommitmentsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2024-12-31 0000835324sybt:RateLockLoanCommitmentsMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2024-12-31 0000835324sybt:RateLockLoanCommitmentsMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMember2024-12-31 0000835324us-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2024-12-31 0000835324us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2024-12-31 0000835324us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2024-12-31 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2024-12-31 0000835324us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2024-12-31 0000835324us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2024-12-31 0000835324us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2024-12-31 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2024-12-31 0000835324us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-12-31 0000835324us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-12-31 0000835324us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-12-31 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-12-31 0000835324us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2024-12-31 0000835324us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2024-12-31 0000835324us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2024-12-31 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2024-12-31 0000835324us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2024-12-31 0000835324us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2024-12-31 0000835324us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2024-12-31 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2024-12-31 0000835324us-gaap:FairValueMeasurementsRecurringMember2025-09-30 0000835324us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2025-09-30 0000835324us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2025-09-30 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMember2025-09-30 0000835324sybt:MandatoryForwardContractMemberus-gaap:FairValueMeasurementsRecurringMember2025-09-30 0000835324sybt:MandatoryForwardContractMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2025-09-30 0000835324sybt:MandatoryForwardContractMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2025-09-30 0000835324sybt:MandatoryForwardContractMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMember2025-09-30 0000835324sybt:RateLockLoanCommitmentsMemberus-gaap:FairValueMeasurementsRecurringMember2025-09-30 0000835324sybt:RateLockLoanCommitmentsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2025-09-30 0000835324sybt:RateLockLoanCommitmentsMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMember2025-09-30 0000835324sybt:RateLockLoanCommitmentsMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMember2025-09-30 0000835324us-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2025-09-30 0000835324us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2025-09-30 0000835324us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2025-09-30 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:OtherDebtSecuritiesMember2025-09-30 0000835324us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2025-09-30 0000835324us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2025-09-30 0000835324us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2025-09-30 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2025-09-30 0000835324us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2025-09-30 0000835324us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2025-09-30 0000835324us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2025-09-30 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2025-09-30 0000835324us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2025-09-30 0000835324us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2025-09-30 0000835324us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2025-09-30 0000835324us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2025-09-30 0000835324us-gaap:OtherLiabilitiesMember2025-09-30 0000835324us-gaap:PerformanceGuaranteeMember2025-09-30 0000835324us-gaap:StandbyLettersOfCreditMembersrt:MaximumMember2025-01-012025-09-30 0000835324us-gaap:StandbyLettersOfCreditMembersrt:MinimumMember2025-01-012025-09-30 0000835324us-gaap:OtherLiabilitiesMember2024-12-31 0000835324sybt:FutureLoanCommitmentsMember2024-12-31 0000835324sybt:FutureLoanCommitmentsMember2025-09-30 0000835324sybt:OtherOffBalanceSheetCommitmentsMember2024-12-31 0000835324sybt:OtherOffBalanceSheetCommitmentsMember2025-09-30 0000835324sybt:LettersOfCreditMember2024-12-31 0000835324sybt:LettersOfCreditMember2025-09-30 0000835324sybt:OverdraftsMember2024-12-31 0000835324sybt:OverdraftsMember2025-09-30 0000835324sybt:CreditCardsMember2024-12-31 0000835324sybt:CreditCardsMember2025-09-30 0000835324sybt:HomeEquityLoansMember2024-12-31 0000835324sybt:HomeEquityLoansMember2025-09-30 0000835324sybt:ConstructionAndDevelopmentMember2024-12-31 0000835324sybt:ConstructionAndDevelopmentMember2025-09-30 0000835324sybt:CommercialAndIndustrialLoansMember2024-12-31 0000835324sybt:CommercialAndIndustrialLoansMember2025-09-30 0000835324sybt:CorrespondentBanksMember2024-12-31 0000835324sybt:CorrespondentBanksMember2025-09-30 0000835324sybt:ThreeMonthAdvanceMaturingNovember2024Member2025-09-30 0000835324sybt:CommonwealthStatutoryTrustVMember2024-01-012025-09-30 0000835324sybt:CommonwealthStatutoryTrustVMember2025-09-30 0000835324sybt:CommonwealthStatutoryTrustIVMember2024-01-012025-09-30 0000835324sybt:CommonwealthStatutoryTrustIVMember2025-09-30 0000835324sybt:CommonwealthStatutoryTrustIIIMember2024-01-012025-09-30 0000835324sybt:CommonwealthStatutoryTrustIIIMember2025-09-30 0000835324sybt:CommonwealthMember2022-03-07 0000835324us-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember2024-01-012024-09-30 0000835324us-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember2025-01-012025-09-30 0000835324us-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember2024-07-012024-09-30 0000835324us-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember2025-07-012025-09-30 0000835324us-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember2024-12-31 0000835324us-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember2025-09-30 0000835324us-gaap:StateAndLocalJurisdictionMember2025-01-012025-09-30 0000835324us-gaap:DomesticCountryMember2025-01-012025-09-30 0000835324us-gaap:CustomerListsMember2025-09-30 0000835324us-gaap:CoreDepositsMember2025-09-30 0000835324us-gaap:CustomerListsMember2024-09-30 0000835324us-gaap:CustomerListsMember2024-01-012024-09-30 0000835324us-gaap:CustomerListsMember2025-01-012025-09-30 0000835324us-gaap:CustomerListsMember2024-07-012024-09-30 0000835324us-gaap:CustomerListsMember2025-07-012025-09-30 0000835324us-gaap:CustomerListsMember2023-12-31 0000835324us-gaap:CustomerListsMember2024-12-31 0000835324us-gaap:CustomerListsMember2024-06-30 0000835324us-gaap:CustomerListsMember2025-06-30 0000835324sybt:CommonwealthMemberus-gaap:CustomerListsMember2022-03-07 0000835324us-gaap:CoreDepositsMember2024-09-30 0000835324us-gaap:CoreDepositsMember2024-01-012024-09-30 0000835324us-gaap:CoreDepositsMember2025-01-012025-09-30 0000835324us-gaap:CoreDepositsMember2024-07-012024-09-30 0000835324us-gaap:CoreDepositsMember2025-07-012025-09-30 0000835324us-gaap:CoreDepositsMember2023-12-31 0000835324us-gaap:CoreDepositsMember2024-12-31 0000835324us-gaap:CoreDepositsMember2024-06-30 0000835324us-gaap:CoreDepositsMember2025-06-30 0000835324sybt:THEBANcorpMemberus-gaap:CoreDepositsMember2013-12-31 0000835324sybt:KingBancorpIncMemberus-gaap:CoreDepositsMember2019-05-01 0000835324sybt:KentuckyBancsharesMemberus-gaap:CoreDepositsMember2021-05-31 0000835324sybt:CommonwealthMemberus-gaap:CoreDepositsMember2022-03-07 0000835324sybt:AustinStateBankMember2024-12-31 0000835324sybt:AustinStateBankMember2025-09-30 0000835324sybt:KingSouthernBancorpMember2024-12-31 0000835324sybt:KingSouthernBancorpMember2025-09-30 0000835324sybt:KentuckyBancsharesMember2024-12-31 0000835324sybt:KentuckyBancsharesMember2025-09-30 0000835324sybt:CommonwealthMember2024-12-31 0000835324sybt:CommonwealthMember2025-09-30 0000835324sybt:WMTMember2025-09-30 0000835324sybt:WMTMember2024-12-31 0000835324sybt:CommercialBankingMember2024-12-31 00008353242025-01-012025-03-31 00008353242024-01-012024-03-31 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2024-12-31 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-09-30 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2024-12-31 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-09-30 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2024-12-31 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-09-30 00008353242024-01-012024-12-31 0000835324us-gaap:DoubtfulMember2024-12-31 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:SpecialMentionMember2024-12-31 0000835324us-gaap:PassMember2024-12-31 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2024-01-012024-12-31 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:DoubtfulMember2024-12-31 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:SpecialMentionMember2024-12-31 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:PassMember2024-12-31 0000835324us-gaap:FinanceLeasesPortfolioSegmentMember2024-01-012024-12-31 0000835324us-gaap:FinanceLeasesPortfolioSegmentMember2024-12-31 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:DoubtfulMember2024-12-31 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:SpecialMentionMember2024-12-31 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:PassMember2024-12-31 0000835324us-gaap:ConsumerPortfolioSegmentMember2024-01-012024-12-31 0000835324us-gaap:ConsumerPortfolioSegmentMember2024-12-31 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:DoubtfulMember2024-12-31 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:SpecialMentionMember2024-12-31 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:PassMember2024-12-31 0000835324us-gaap:HomeEquityMember2024-01-012024-12-31 0000835324us-gaap:HomeEquityMember2024-12-31 0000835324us-gaap:HomeEquityMemberus-gaap:DoubtfulMember2024-12-31 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:HomeEquityMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:HomeEquityMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:HomeEquityMemberus-gaap:SpecialMentionMember2024-12-31 0000835324us-gaap:HomeEquityMemberus-gaap:PassMember2024-12-31 0000835324sybt:ConstructionAndDevelopmentMember2024-01-012024-12-31 0000835324sybt:ConstructionAndDevelopmentMember2024-12-31 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:DoubtfulMember2024-12-31 0000835324us-gaap:NonperformingFinancingReceivableMembersybt:ConstructionAndDevelopmentMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:PerformingFinancingReceivableMembersybt:ConstructionAndDevelopmentMemberus-gaap:SubstandardMember2024-12-31 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:SpecialMentionMember2024-12-31 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:PassMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-01-012024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:DoubtfulMember2024-12-31 0000835324us-gaap:NonperformingFinancingReceivableMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:PerformingFinancingReceivableMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:SubstandardMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:SpecialMentionMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:PassMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-01-012024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:DoubtfulMember2024-12-31 0000835324us-gaap:NonperformingFinancingReceivableMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:PerformingFinancingReceivableMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:SubstandardMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:SpecialMentionMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:PassMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2024-01-012024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:DoubtfulMember2024-12-31 0000835324us-gaap:NonperformingFinancingReceivableMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:PerformingFinancingReceivableMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:SubstandardMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:SpecialMentionMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:PassMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2024-01-012024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMemberus-gaap:DoubtfulMember2024-12-31 0000835324us-gaap:NonperformingFinancingReceivableMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:PerformingFinancingReceivableMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMemberus-gaap:SubstandardMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMemberus-gaap:SpecialMentionMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMemberus-gaap:PassMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-01-012024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:DoubtfulMember2024-12-31 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:SpecialMentionMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:PassMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-01-012024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:DoubtfulMember2024-12-31 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:SubstandardMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:SpecialMentionMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:PassMember2024-12-31 0000835324us-gaap:DoubtfulMember2025-09-30 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:SpecialMentionMember2025-09-30 0000835324us-gaap:PassMember2025-09-30 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-01-012025-09-30 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:DoubtfulMember2025-09-30 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:SpecialMentionMember2025-09-30 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:PassMember2025-09-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMember2025-01-012025-09-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMember2025-09-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:DoubtfulMember2025-09-30 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:SpecialMentionMember2025-09-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:PassMember2025-09-30 0000835324us-gaap:ConsumerPortfolioSegmentMember2025-01-012025-09-30 0000835324us-gaap:ConsumerPortfolioSegmentMember2025-09-30 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:DoubtfulMember2025-09-30 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:SpecialMentionMember2025-09-30 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:PassMember2025-09-30 0000835324us-gaap:HomeEquityMember2025-01-012025-09-30 0000835324us-gaap:HomeEquityMember2025-09-30 0000835324us-gaap:HomeEquityMemberus-gaap:DoubtfulMember2025-09-30 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:HomeEquityMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:HomeEquityMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:HomeEquityMemberus-gaap:SpecialMentionMember2025-09-30 0000835324us-gaap:HomeEquityMemberus-gaap:PassMember2025-09-30 0000835324sybt:ConstructionAndDevelopmentMember2025-01-012025-09-30 0000835324sybt:ConstructionAndDevelopmentMember2025-09-30 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:DoubtfulMember2025-09-30 0000835324us-gaap:NonperformingFinancingReceivableMembersybt:ConstructionAndDevelopmentMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:PerformingFinancingReceivableMembersybt:ConstructionAndDevelopmentMemberus-gaap:SubstandardMember2025-09-30 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:SpecialMentionMember2025-09-30 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:PassMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2025-01-012025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:DoubtfulMember2025-09-30 0000835324us-gaap:NonperformingFinancingReceivableMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:PerformingFinancingReceivableMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:SubstandardMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:SpecialMentionMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:PassMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2025-01-012025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:DoubtfulMember2025-09-30 0000835324us-gaap:NonperformingFinancingReceivableMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:PerformingFinancingReceivableMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:SubstandardMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:SpecialMentionMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:PassMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2025-01-012025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:DoubtfulMember2025-09-30 0000835324us-gaap:NonperformingFinancingReceivableMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:PerformingFinancingReceivableMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:SubstandardMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:SpecialMentionMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:PassMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2025-01-012025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMemberus-gaap:DoubtfulMember2025-09-30 0000835324us-gaap:NonperformingFinancingReceivableMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:PerformingFinancingReceivableMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMemberus-gaap:SubstandardMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMemberus-gaap:SpecialMentionMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMemberus-gaap:PassMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2025-01-012025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:DoubtfulMember2025-09-30 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:SpecialMentionMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:PassMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2025-01-012025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:DoubtfulMember2025-09-30 0000835324us-gaap:NonperformingFinancingReceivableMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:PerformingFinancingReceivableMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:SubstandardMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:SpecialMentionMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:PassMember2025-09-30 0000835324us-gaap:FinancialAssetPastDueMember2024-12-31 0000835324us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-31 0000835324us-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-31 0000835324us-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-31 0000835324us-gaap:FinancialAssetNotPastDueMember2024-12-31 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:FinancialAssetPastDueMember2024-12-31 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-31 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-31 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-31 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:FinancialAssetNotPastDueMember2024-12-31 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2024-12-31 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-31 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-31 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-31 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2024-12-31 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2024-12-31 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-31 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-31 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-31 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2024-12-31 0000835324us-gaap:HomeEquityMember2024-12-31 0000835324us-gaap:HomeEquityMemberus-gaap:FinancialAssetPastDueMember2024-12-31 0000835324us-gaap:HomeEquityMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-31 0000835324us-gaap:HomeEquityMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-31 0000835324us-gaap:HomeEquityMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-31 0000835324us-gaap:HomeEquityMemberus-gaap:FinancialAssetNotPastDueMember2024-12-31 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:FinancialAssetPastDueMember2024-12-31 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-31 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-31 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-31 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:FinancialAssetNotPastDueMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancialAssetPastDueMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancialAssetNotPastDueMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancialAssetPastDueMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancialAssetNotPastDueMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:FinancialAssetPastDueMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:FinancialAssetNotPastDueMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermExcludingPppMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermExcludingPppMemberus-gaap:FinancialAssetPastDueMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermExcludingPppMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermExcludingPppMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermExcludingPppMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermExcludingPppMemberus-gaap:FinancialAssetNotPastDueMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancialAssetPastDueMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancialAssetNotPastDueMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancialAssetPastDueMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancialAssetNotPastDueMember2024-12-31 0000835324us-gaap:FinancialAssetPastDueMember2025-09-30 0000835324us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-09-30 0000835324us-gaap:FinancingReceivables60To89DaysPastDueMember2025-09-30 0000835324us-gaap:FinancingReceivables30To59DaysPastDueMember2025-09-30 0000835324us-gaap:FinancialAssetNotPastDueMember2025-09-30 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:FinancialAssetPastDueMember2025-09-30 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-09-30 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-09-30 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-09-30 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMemberus-gaap:FinancialAssetNotPastDueMember2025-09-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2025-09-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-09-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-09-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-09-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-09-30 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2025-09-30 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-09-30 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-09-30 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-09-30 0000835324us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-09-30 0000835324us-gaap:HomeEquityMember2025-09-30 0000835324us-gaap:HomeEquityMemberus-gaap:FinancialAssetPastDueMember2025-09-30 0000835324us-gaap:HomeEquityMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-09-30 0000835324us-gaap:HomeEquityMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-09-30 0000835324us-gaap:HomeEquityMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-09-30 0000835324us-gaap:HomeEquityMemberus-gaap:FinancialAssetNotPastDueMember2025-09-30 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:FinancialAssetPastDueMember2025-09-30 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-09-30 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-09-30 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-09-30 0000835324sybt:ConstructionAndDevelopmentMemberus-gaap:FinancialAssetNotPastDueMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancialAssetPastDueMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancialAssetNotPastDueMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancialAssetPastDueMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancialAssetNotPastDueMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:FinancialAssetPastDueMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMemberus-gaap:FinancialAssetNotPastDueMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermExcludingPppMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermExcludingPppMemberus-gaap:FinancialAssetPastDueMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermExcludingPppMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermExcludingPppMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermExcludingPppMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermExcludingPppMemberus-gaap:FinancialAssetNotPastDueMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancialAssetPastDueMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMemberus-gaap:FinancialAssetNotPastDueMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancialAssetPastDueMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMemberus-gaap:FinancialAssetNotPastDueMember2025-09-30 0000835324sybt:OtherCollateralMember2024-12-31 0000835324sybt:AccountsReceivableAndEquipmentMember2024-12-31 0000835324us-gaap:RealEstateMember2024-12-30 0000835324sybt:OtherCollateralMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2024-12-31 0000835324sybt:AccountsReceivableAndEquipmentMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2024-12-31 0000835324us-gaap:RealEstateMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2024-12-30 0000835324sybt:OtherCollateralMemberus-gaap:FinanceLeasesPortfolioSegmentMember2024-12-31 0000835324sybt:AccountsReceivableAndEquipmentMemberus-gaap:FinanceLeasesPortfolioSegmentMember2024-12-31 0000835324us-gaap:RealEstateMemberus-gaap:FinanceLeasesPortfolioSegmentMember2024-12-30 0000835324sybt:OtherCollateralMemberus-gaap:ConsumerPortfolioSegmentMember2024-12-31 0000835324sybt:AccountsReceivableAndEquipmentMemberus-gaap:ConsumerPortfolioSegmentMember2024-12-31 0000835324us-gaap:RealEstateMemberus-gaap:ConsumerPortfolioSegmentMember2024-12-30 0000835324sybt:OtherCollateralMemberus-gaap:HomeEquityMember2024-12-31 0000835324sybt:AccountsReceivableAndEquipmentMemberus-gaap:HomeEquityMember2024-12-31 0000835324us-gaap:RealEstateMemberus-gaap:HomeEquityMember2024-12-30 0000835324sybt:OtherCollateralMembersybt:ConstructionAndDevelopmentMember2024-12-31 0000835324sybt:AccountsReceivableAndEquipmentMembersybt:ConstructionAndDevelopmentMember2024-12-31 0000835324us-gaap:RealEstateMembersybt:ConstructionAndDevelopmentMember2024-12-30 0000835324sybt:OtherCollateralMembersybt:ResidentialRealEstatePortfolioSegmentMember2024-12-31 0000835324sybt:AccountsReceivableAndEquipmentMembersybt:ResidentialRealEstatePortfolioSegmentMember2024-12-31 0000835324us-gaap:RealEstateMembersybt:ResidentialRealEstatePortfolioSegmentMember2024-12-30 0000835324sybt:OtherCollateralMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-12-31 0000835324sybt:AccountsReceivableAndEquipmentMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-12-31 0000835324us-gaap:RealEstateMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-12-30 0000835324sybt:OtherCollateralMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-12-31 0000835324sybt:AccountsReceivableAndEquipmentMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-12-31 0000835324us-gaap:RealEstateMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-12-30 0000835324sybt:OtherCollateralMembersybt:CommercialAndIndustrialPortfolioSegmentMember2024-12-31 0000835324sybt:AccountsReceivableAndEquipmentMembersybt:CommercialAndIndustrialPortfolioSegmentMember2024-12-31 0000835324us-gaap:RealEstateMembersybt:CommercialAndIndustrialPortfolioSegmentMember2024-12-30 0000835324sybt:OtherCollateralMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2024-12-31 0000835324sybt:AccountsReceivableAndEquipmentMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2024-12-31 0000835324us-gaap:RealEstateMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2024-12-30 0000835324sybt:OtherCollateralMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2024-12-31 0000835324sybt:AccountsReceivableAndEquipmentMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2024-12-31 0000835324us-gaap:RealEstateMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2024-12-30 0000835324sybt:OtherCollateralMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2024-12-31 0000835324sybt:AccountsReceivableAndEquipmentMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2024-12-31 0000835324us-gaap:RealEstateMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2024-12-30 0000835324sybt:OtherCollateralMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-12-31 0000835324sybt:AccountsReceivableAndEquipmentMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-12-31 0000835324us-gaap:RealEstateMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-12-30 0000835324sybt:OtherCollateralMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-12-31 0000835324sybt:AccountsReceivableAndEquipmentMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-12-31 0000835324us-gaap:RealEstateMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-12-30 0000835324sybt:OtherCollateralMember2025-09-30 0000835324sybt:AccountsReceivableAndEquipmentMember2025-09-30 0000835324us-gaap:RealEstateMember2025-09-29 0000835324sybt:OtherCollateralMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-09-30 0000835324sybt:AccountsReceivableAndEquipmentMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-09-30 0000835324us-gaap:RealEstateMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-09-29 0000835324sybt:OtherCollateralMemberus-gaap:FinanceLeasesPortfolioSegmentMember2025-09-30 0000835324sybt:AccountsReceivableAndEquipmentMemberus-gaap:FinanceLeasesPortfolioSegmentMember2025-09-30 0000835324us-gaap:RealEstateMemberus-gaap:FinanceLeasesPortfolioSegmentMember2025-09-29 0000835324sybt:OtherCollateralMemberus-gaap:ConsumerPortfolioSegmentMember2025-09-30 0000835324sybt:AccountsReceivableAndEquipmentMemberus-gaap:ConsumerPortfolioSegmentMember2025-09-30 0000835324us-gaap:RealEstateMemberus-gaap:ConsumerPortfolioSegmentMember2025-09-29 0000835324sybt:OtherCollateralMemberus-gaap:HomeEquityMember2025-09-30 0000835324sybt:AccountsReceivableAndEquipmentMemberus-gaap:HomeEquityMember2025-09-30 0000835324us-gaap:RealEstateMemberus-gaap:HomeEquityMember2025-09-29 0000835324sybt:OtherCollateralMembersybt:ConstructionAndDevelopmentMember2025-09-30 0000835324sybt:AccountsReceivableAndEquipmentMembersybt:ConstructionAndDevelopmentMember2025-09-30 0000835324us-gaap:RealEstateMembersybt:ConstructionAndDevelopmentMember2025-09-29 0000835324sybt:OtherCollateralMembersybt:ResidentialRealEstatePortfolioSegmentMember2025-09-30 0000835324sybt:AccountsReceivableAndEquipmentMembersybt:ResidentialRealEstatePortfolioSegmentMember2025-09-30 0000835324us-gaap:RealEstateMembersybt:ResidentialRealEstatePortfolioSegmentMember2025-09-29 0000835324sybt:OtherCollateralMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2025-09-30 0000835324sybt:AccountsReceivableAndEquipmentMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2025-09-30 0000835324us-gaap:RealEstateMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2025-09-29 0000835324sybt:OtherCollateralMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2025-09-30 0000835324sybt:AccountsReceivableAndEquipmentMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2025-09-30 0000835324us-gaap:RealEstateMembersybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2025-09-29 0000835324sybt:OtherCollateralMembersybt:CommercialAndIndustrialPortfolioSegmentMember2025-09-30 0000835324sybt:AccountsReceivableAndEquipmentMembersybt:CommercialAndIndustrialPortfolioSegmentMember2025-09-30 0000835324us-gaap:RealEstateMembersybt:CommercialAndIndustrialPortfolioSegmentMember2025-09-29 0000835324sybt:OtherCollateralMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2025-09-30 0000835324sybt:AccountsReceivableAndEquipmentMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2025-09-30 0000835324us-gaap:RealEstateMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2025-09-29 0000835324sybt:OtherCollateralMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2025-09-30 0000835324sybt:AccountsReceivableAndEquipmentMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2025-09-30 0000835324us-gaap:RealEstateMembersybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2025-09-29 0000835324sybt:OtherCollateralMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2025-09-30 0000835324sybt:AccountsReceivableAndEquipmentMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2025-09-30 0000835324us-gaap:RealEstateMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2025-09-29 0000835324sybt:OtherCollateralMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2025-09-30 0000835324sybt:AccountsReceivableAndEquipmentMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2025-09-30 0000835324us-gaap:RealEstateMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2025-09-29 0000835324sybt:OtherCollateralMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2025-09-30 0000835324sybt:AccountsReceivableAndEquipmentMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2025-09-30 0000835324us-gaap:RealEstateMemberus-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2025-09-29 0000835324sybt:CreditCardsMember2024-12-31 0000835324sybt:CreditCardsMember2025-09-30 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2024-09-30 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2024-01-012024-09-30 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2023-12-31 0000835324us-gaap:FinanceLeasesPortfolioSegmentMember2024-09-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMember2024-01-012024-09-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMember2023-12-31 0000835324us-gaap:ConsumerPortfolioSegmentMember2024-09-30 0000835324us-gaap:ConsumerPortfolioSegmentMember2024-01-012024-09-30 0000835324us-gaap:ConsumerPortfolioSegmentMember2023-12-31 0000835324us-gaap:HomeEquityMember2024-09-30 0000835324us-gaap:HomeEquityMember2024-01-012024-09-30 0000835324us-gaap:HomeEquityMember2023-12-31 0000835324sybt:ConstructionAndDevelopmentMember2024-09-30 0000835324sybt:ConstructionAndDevelopmentMember2024-01-012024-09-30 0000835324sybt:ConstructionAndDevelopmentMember2023-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMember2024-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMember2024-01-012024-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMember2023-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-01-012024-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2023-12-31 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-01-012024-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2023-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMember2024-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMember2024-01-012024-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMember2023-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2024-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2024-01-012024-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2023-12-31 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2024-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2024-01-012024-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2023-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMember2024-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMember2024-01-012024-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMember2023-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-01-012024-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2023-12-31 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-01-012024-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2023-12-31 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2024-07-012024-09-30 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2024-06-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMember2024-07-012024-09-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMember2024-06-30 0000835324us-gaap:ConsumerPortfolioSegmentMember2024-07-012024-09-30 0000835324us-gaap:ConsumerPortfolioSegmentMember2024-06-30 0000835324us-gaap:HomeEquityMember2024-07-012024-09-30 0000835324us-gaap:HomeEquityMember2024-06-30 0000835324sybt:ConstructionAndDevelopmentMember2024-07-012024-09-30 0000835324sybt:ConstructionAndDevelopmentMember2024-06-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMember2024-07-012024-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMember2024-06-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-07-012024-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-06-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-07-012024-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-06-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMember2024-07-012024-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMember2024-06-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2024-07-012024-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2024-06-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2024-07-012024-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2024-06-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMember2024-07-012024-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMember2024-06-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-07-012024-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2024-06-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-07-012024-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2024-06-30 0000835324us-gaap:HomeEquityMember2025-01-012025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMember2025-01-012025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMember2025-01-012025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMember2025-01-012025-09-30 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-07-012025-09-30 0000835324us-gaap:CommercialPortfolioSegmentMemberus-gaap:CreditCardReceivablesMember2025-06-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMember2025-07-012025-09-30 0000835324us-gaap:FinanceLeasesPortfolioSegmentMember2025-06-30 0000835324us-gaap:ConsumerPortfolioSegmentMember2025-07-012025-09-30 0000835324us-gaap:ConsumerPortfolioSegmentMember2025-06-30 0000835324us-gaap:HomeEquityMember2025-07-012025-09-30 0000835324us-gaap:HomeEquityMember2025-06-30 0000835324sybt:ConstructionAndDevelopmentMember2025-07-012025-09-30 0000835324sybt:ConstructionAndDevelopmentMember2025-06-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMember2025-07-012025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMember2025-06-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2025-07-012025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2025-06-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2025-07-012025-09-30 0000835324sybt:ResidentialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2025-06-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMember2025-07-012025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMember2025-06-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2025-07-012025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:LinesOfCreditMember2025-06-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2025-07-012025-09-30 0000835324sybt:CommercialAndIndustrialPortfolioSegmentMembersybt:TermMember2025-06-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMember2025-07-012025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMember2025-06-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2025-07-012025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:OwnerOccupiedMember2025-06-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2025-07-012025-09-30 0000835324us-gaap:CommercialRealEstatePortfolioSegmentMembersybt:NonownerOccupiedMember2025-06-30 0000835324us-gaap:AssetPledgedAsCollateralMemberus-gaap:FederalHomeLoanBankAdvancesMember2024-12-31 0000835324us-gaap:AssetPledgedAsCollateralMemberus-gaap:FederalHomeLoanBankAdvancesMember2025-09-30 0000835324us-gaap:CreditCardReceivablesMember2024-12-31 0000835324us-gaap:CreditCardReceivablesMember2025-09-30 0000835324us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2024-12-31 0000835324us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2024-12-31 0000835324sybt:USTreasurySecuritiesAndUSGovernmentAgenciesDebtSecuritiesMember2024-12-31 0000835324us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2025-09-30 0000835324us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember2025-09-30 0000835324sybt:USTreasurySecuritiesAndUSGovernmentAgenciesDebtSecuritiesMember2025-09-30 0000835324us-gaap:OtherDebtSecuritiesMember2024-12-31 0000835324us-gaap:USStatesAndPoliticalSubdivisionsMember2024-12-31 0000835324us-gaap:OtherDebtSecuritiesMember2025-09-30 0000835324us-gaap:USStatesAndPoliticalSubdivisionsMember2025-09-30 0000835324us-gaap:CollateralPledgedMember2024-12-31 0000835324us-gaap:CollateralPledgedMember2025-09-30 0000835324us-gaap:RetainedEarningsMember2024-09-30 0000835324us-gaap:AdditionalPaidInCapitalMember2024-09-30 0000835324us-gaap:CommonStockMember2024-09-30 0000835324us-gaap:RetainedEarningsMember2024-07-012024-09-30 0000835324us-gaap:AdditionalPaidInCapitalMember2024-07-012024-09-30 0000835324us-gaap:CommonStockMember2024-07-012024-09-30 0000835324us-gaap:RetainedEarningsMember2024-06-30 0000835324us-gaap:AdditionalPaidInCapitalMember2024-06-30 0000835324us-gaap:CommonStockMember2024-06-30 00008353242024-04-012024-06-30 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-04-012024-06-30 0000835324us-gaap:RetainedEarningsMember2024-04-012024-06-30 0000835324us-gaap:AdditionalPaidInCapitalMember2024-04-012024-06-30 0000835324us-gaap:CommonStockMember2024-04-012024-06-30 00008353242024-03-31 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-03-31 0000835324us-gaap:RetainedEarningsMember2024-03-31 0000835324us-gaap:AdditionalPaidInCapitalMember2024-03-31 0000835324us-gaap:CommonStockMember2024-03-31 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-01-012024-03-31 0000835324us-gaap:RetainedEarningsMember2024-01-012024-03-31 0000835324us-gaap:AdditionalPaidInCapitalMember2024-01-012024-03-31 0000835324us-gaap:CommonStockMember2024-01-012024-03-31 0000835324us-gaap:RetainedEarningsMember2023-12-31 0000835324us-gaap:AdditionalPaidInCapitalMember2023-12-31 0000835324us-gaap:CommonStockMember2023-12-31 0000835324us-gaap:RetainedEarningsMember2025-09-30 0000835324us-gaap:AdditionalPaidInCapitalMember2025-09-30 0000835324us-gaap:CommonStockMember2025-09-30 0000835324us-gaap:RetainedEarningsMember2025-07-012025-09-30 0000835324us-gaap:AdditionalPaidInCapitalMember2025-07-012025-09-30 0000835324us-gaap:CommonStockMember2025-07-012025-09-30 0000835324us-gaap:RetainedEarningsMember2025-06-30 0000835324us-gaap:AdditionalPaidInCapitalMember2025-06-30 0000835324us-gaap:CommonStockMember2025-06-30 00008353242025-04-012025-06-30 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-04-012025-06-30 0000835324us-gaap:RetainedEarningsMember2025-04-012025-06-30 0000835324us-gaap:AdditionalPaidInCapitalMember2025-04-012025-06-30 0000835324us-gaap:CommonStockMember2025-04-012025-06-30 00008353242025-03-31 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-03-31 0000835324us-gaap:RetainedEarningsMember2025-03-31 0000835324us-gaap:AdditionalPaidInCapitalMember2025-03-31 0000835324us-gaap:CommonStockMember2025-03-31 0000835324us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-01-012025-03-31 0000835324us-gaap:RetainedEarningsMember2025-01-012025-03-31 0000835324us-gaap:AdditionalPaidInCapitalMember2025-01-012025-03-31 0000835324us-gaap:CommonStockMember2025-01-012025-03-31 0000835324us-gaap:RetainedEarningsMember2024-12-31 0000835324us-gaap:AdditionalPaidInCapitalMember2024-12-31 0000835324us-gaap:CommonStockMember2024-12-31 0000835324us-gaap:ProductAndServiceOtherMember2024-01-012024-09-30 0000835324us-gaap:ProductAndServiceOtherMember2025-01-012025-09-30 0000835324us-gaap:ProductAndServiceOtherMember2024-07-012024-09-30 0000835324us-gaap:ProductAndServiceOtherMember2025-07-012025-09-30 0000835324us-gaap:InvestmentAdvisoryManagementAndAdministrativeServiceMember2024-01-012024-09-30 0000835324us-gaap:InvestmentAdvisoryManagementAndAdministrativeServiceMember2025-01-012025-09-30 0000835324us-gaap:InvestmentAdvisoryManagementAndAdministrativeServiceMember2024-07-012024-09-30 0000835324us-gaap:InvestmentAdvisoryManagementAndAdministrativeServiceMember2025-07-012025-09-30 00008353242025-10-31 0000835324us-gaap:NondesignatedMember2025-01-012025-09-30

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

For the quarterly period ended September 30, 2025

☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Commission File Number: 1-13661

STOCK YARDS BANCORP, INC.

(Exact name of registrant as specified in its charter)

Kentucky	61-1137529
(State or other jurisdiction of incorporation or organization)	(I.R.S. Employer Identification No.)

1040 East Main Street, Louisville, Kentucky	40206
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code: (502) 582-2571

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common stock, no par value	SYBT	The Nasdaq Stock Market, LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. ☒ Yes ☐ No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). ☒ Yes ☐ No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer ☒	Accelerated filer ☐	Non-accelerated filer ☐	Smaller reporting company ☐
Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). ☐ Yes ☒ No

The number of shares outstanding of the registrant’s Common Stock, no par value, as of October 31, 2025, was 29,473,458.

Table of Contents

TABLE OF CONTENTS

PART I – FINANCIAL INFORMATION


Item 1. Financial Statements.	4

Condensed Consolidated Balance Sheets	4

Condensed Consolidated Statements of Income	5

Condensed Consolidated Statements of Comprehensive Income	6

Condensed Consolidated Statements of Changes in Stockholders’ Equity	7

Condensed Consolidated Statements of Cash Flows	9

Notes to Condensed Consolidated Financial Statements	11

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations.	58

Item 3. Quantitative and Qualitative Disclosures about Market Risk.	89

Item 4. Controls and Procedures.	89


PART II – OTHER INFORMATION

Item 1. Legal Proceedings.	89

Item 2. Unregistered Sales of Equity Securities and Use of Proceeds.	89

Item 5. Other Information	90

Item 6. Exhibits.	90


Signatures	91

Table of Contents

GLOSSARY OF ABBREVIATIONS AND ACRONYMS

The acronyms and abbreviations identified in alphabetical order below are used throughout this Report on Form 10-Q:

Acronym or Term	Definition	Acronym or Term	Definition	Acronym or Term	Definition
ACH	Automatic Clearing House	ESG	Environmental, Social and Governance	NIM	Net Interest Margin (FTE)
AFS	Available for Sale	ETR	Effective Tax Rate	NPV	Net Present Value
APIC	Additional paid-in capital	EVP	Executive Vice President	Net Interest Spread	Net Interest Spread (FTE)
ACL	Allowance for Credit Losses	FASB	Financial Accounting Standards Board	NM	Not Meaningful
AOCI	Accumulated Other Comprehensive Income	FDIC	Federal Deposit Insurance Corporation	OAEM	Other Assets Especially Mentioned
ASC	Accounting Standards Codification	FFP	Federal Funds Purchased	OREO	Other Real Estate Owned
ASU	Accounting Standards Update	FFS	Federal Funds Sold	PPP	SBA Paycheck Protection Program
ATM	Automated Teller Machine	FFTR	Federal Funds Target Rate	PV	Present Value
AUM	Assets Under Management	FHA	Federal Housing Authority	PCD	Purchased Credit Deteriorated
Bancorp / the Company	Stock Yards Bancorp, Inc.	FHC	Financial Holding Company	PD	Probability of Default
Bank / SYB	Stock Yards Bank & Trust Company	FHLB	Federal Home Loan Bank of Cincinnati	Prime	The Wall Street Journal Prime Interest Rate
BOLI	Bank Owned Life Insurance	FHLMC	Federal Home Loan Mortgage Corporation	Provision	Provision for Credit Losses
BP	Basis Point - 1/100th of one percent	FICA	Federal Insurance Contributions Act	PSU	Performance Stock Unit
C&D	Construction and Land Development	FNMA	Federal National Mortgage Association	ROA	Return on Average Assets
Captive	SYB Insurance Company, Inc.	FRB	Federal Reserve Bank	ROE	Return on Average Equity
C&I	Commercial and Industrial	FTE	Fully Tax Equivalent	RSA	Restricted Stock Award
CB	Commonwealth Bancshares, Inc. and Commonwealth Bank & Trust Company	GAAP	United States Generally Accepted Accounting Principles	RSU	Restricted Stock Unit
CD	Certificate of Deposit	GLB	Gramm-Leach-Bliley Act	SAR	Stock Appreciation Right
CDI	Core Deposit Intangible	GNMA	Government National Mortgage Association	SBA	Small Business Administration
CECL	Current Expected Credit Loss (ASC-326)	HELOC	Home Equity Line of Credit	SEC	Securities and Exchange Commission
CEO	Chief Executive Officer	HTM	Held to Maturity	SOFR	Secured Overnight Financing Right
CFO	Chief Financial Officer	ICS	Insured Cash Sweep	SSUAR	Securities Sold Under Agreements to Repurchase
CFPB	Consumer Financial Protection Bureau	ITM	Interactive Teller Machine	SVP	Senior Vice President
CLI	Customer List Intangible	KB	Kentucky Bancshares, Inc. and Kentucky Bank	TBA	To Be Annouced
CRA	Community Reinvestment Act	KSB	King Bancorp, Inc. and King Southern Bank	TBOC	The Bank Oldham County
CRE	Commercial Real Estate	LGD	Loss Given Default	TCE	Tangible Common Equity
DCF	Discounted Cash Flow	Loans	Loans and Leases	TPS	Trust Preferred Securities
DTA	Deferred Tax Asset	MBS	Mortgage Backed Securities	VA	U.S. Department of Veterans Affairs
DTL	Deferred Tax Liability	MSA	Metropolitan Statistical Area	WM&T	Wealth Management and Trust
Dodd-Frank Act	The Dodd-Frank Wall Street Reform and Consumer Protection Act	MSRs	Mortgage Servicing Rights	VA	U.S. Department of Veterans Affairs
EPS	Earnings Per Share	Nasdaq	The Nasdaq Stock Market, LLC

Table of Contents

PART I – FINANCIAL INFORMATION

Item 1. Financial Statements

CONDENSED CONSOLIDATED BALANCE SHEETS

September 30, 2025 (unaudited) and December 31, 2024 (in thousands, except share data)

	September 30,			December 31,
	2025			2024
Assets
Cash and due from banks	$	84,357		$	78,925
Federal funds sold and interest bearing due from banks		671,932			212,095
Total cash and cash equivalents		756,289			291,020

Mortgage loans held for sale, at fair value		6,045			6,286
Available for sale debt securities (amortized cost of $825,358 in 2025 and $1,114,961 in 2024, respectively)		737,520			990,114
Held to maturity debt securities (fair value of $183,811 in 2025 and $341,357 in 2024, respectively)		203,119			370,171
Federal Home Loan Bank stock, at cost		20,717			21,603
Loans		6,929,456			6,520,402
Allowance for credit losses on loans		(92,160	)		(86,943	)
Net loans		6,837,296			6,433,459

Premises and equipment, net		116,214			112,736
Premises held for sale		1,684			2,321
Bank owned life insurance		91,252			89,370
Accrued interest receivable		28,512			27,697
Goodwill		194,074			194,074
Core deposit intangible		7,260			8,978
Customer list intangible		5,814			6,840
Other assets		301,580			308,750
Total assets	$	9,307,376		$	8,863,419

Liabilities
Deposits:
Non-interest bearing	$	1,589,159		$	1,456,138
Interest bearing		6,054,813			5,710,263
Total deposits		7,643,972			7,166,401

Securities sold under agreements to repurchase		73,149			162,967
Federal funds purchased		6,729			6,525
Subordinated debentures		26,806			26,806
Federal Home Loan Bank advances		300,000			300,000
Accrued interest payable		1,885			1,912
Other liabilities		213,691			258,332
Total liabilities		8,266,232			7,922,943

Commitments and contingent liabilities (Footnote 12)

Stockholders’ equity
Preferred stock, no par value. Authorized 1,000,000 shares; no shares issued or outstanding		—			—
Common stock, no par value. Authorized 40,000,000 shares; issued and outstanding 29,474,000 and 29,431,000 shares in 2025 and 2024, respectively		59,083			58,939
Additional paid-in capital		401,671			395,081
Retained earnings		648,012			577,607
Accumulated other comprehensive loss		(67,622	)		(91,151	)
Total stockholders’ equity		1,041,144			940,476
Total liabilities and equity	$	9,307,376		$	8,863,419

See accompanying notes to unaudited condensed consolidated financial statements.

Table of Contents

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (unaudited)

For the three and nine months ended September 30, 2025 and 2024 (in thousands, except per share data)

	Three months ended					Nine months ended
	September 30,					September 30,
	2025		2024			2025		2024
Interest income:
Loans, including fees	$	107,207	$	95,689		$	309,816	$	271,547
Federal funds sold and interest bearing due from banks		5,003		1,946			9,734		6,199
Mortgage loans held for sale		74		47			229		152
Federal Home Loan Bank stock		488		663			1,682		1,601
Investment securities:
Taxable		7,033		6,918			23,580		21,700
Tax-exempt		467		459			1,397		1,372
Total interest income		120,272		105,722			346,438		302,571
Interest expense:
Deposits		39,294		33,997			111,386		97,486
Securities sold under agreements to repurchase		588		937			2,027		2,639
Federal funds purchased and other short-term borrowings		72		120			214		395
Federal Home Loan Bank advances		2,870		5,209			10,519		13,469
Subordinated debentures		411		480			1,230		1,511
Total interest expense		43,235		40,743			125,376		115,500
Net interest income		77,037		64,979			221,062		187,071
Provision for credit losses		1,975		4,325			5,050		7,050
Net interest income after provision expense		75,062		60,654			216,012		180,021
Non-interest income:
Wealth management and trust services		10,704		10,931			31,834		32,497
Deposit service charges		2,281		2,314			6,429		6,630
Debit and credit card income		5,009		5,083			14,354		14,688
Treasury management fees		2,923		2,939			8,601		8,389
Mortgage banking income		1,252		1,112			3,263		3,077
Net investment product sales commissions and fees		1,112		915			3,102		2,580
Bank owned life insurance		631		634			1,882		1,817
Gain (loss) on sale of premises and equipment		-		(59	)		74		(39	)
Other		564		928			2,281		2,084
Total non-interest income		24,476		24,797			71,820		71,723
Non-interest expenses:
Compensation		28,836		25,534			82,047		74,389
Employee benefits		4,878		4,629			15,993		15,591
Net occupancy and equipment		4,086		3,775			12,234		11,264
Technology and communication		4,837		4,500			14,438		14,463
Debit and credit card processing		1,984		1,845			5,711		5,402
Marketing and business development		1,887		1,438			5,353		4,109
Postage, printing and supplies		910		901			2,816		2,740
Legal and professional		891		968			2,886		3,268
FDIC insurance		1,198		1,095			3,681		3,368
Capital and deposit based taxes		1,082		825			2,520		2,128
Intangible amortization		915		1,052			2,744		3,155
Other		2,327		1,890			7,135		6,645
Total non-interest expenses		53,831		48,452			157,558		146,522
Income before income tax expense		45,707		36,999			130,274		105,222
Income tax expense		9,466		7,639			26,738		22,377
Net income	$	36,241	$	29,360		$	103,536	$	82,845
Net income per share - basic	$	1.23	$	1.00		$	3.53	$	2.83
Net income per share - diluted	$	1.23	$	1.00		$	3.51	$	2.82
Weighted average outstanding shares
Basic		29,369		29,299			29,360		29,277
Diluted		29,526		29,445			29,511		29,396

See accompanying notes to unaudited condensed consolidated financial statements.

Table of Contents

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited)

For the three and nine months ended September 30, 2025 and 2024 (in thousands)

	Three months ended						Nine months ended
	September 30,						September 30,
	2025			2024			2025			2024
Net income	$	36,241		$	29,360		$	103,536		$	82,845
Other comprehensive income (loss):
Change in unrealized gain (loss) on AFS debt securities		10,466			32,948			37,009			26,200
Change in fair value of derivatives used in cash flow hedge		(273	)		(6,757	)		(5,779	)		(2,929	)
Total other comprehensive income (loss) before income tax effect		10,193			26,191			31,230			23,271
Income tax effect		2,504			6,484			7,701			5,746
Total other comprehensive income (loss) net of tax		7,689			19,707			23,529			17,525
Comprehensive income	$	43,930		$	49,067		$	127,065		$	100,370

See accompanying notes to unaudited condensed consolidated financial statements.

Table of Contents

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY (unaudited)

For the three and nine months ended September 30, 2025 and 2024 (in thousands, except per share data)

													Accumulated
	Common stock						Additional						other			Total
	Shares						paid-in			Retained			comprehensive			stockholders'
	outstanding			Amount			capital			earnings			loss			equity

Balance, January 1, 2025		29,431		$	58,939		$	395,081		$	577,607		$	(91,151	)	$	940,476

Activity for three months ended March 31, 2025:
Net income		—			—			—			33,271			—			33,271
Other comprehensive income		—			—			—			—			11,311			11,311
Stock compensation expense		—			—			1,153			—			—			1,153
Stock issued for share-based awards, net of withholdings to satisfy employee tax obligations		40			133			2,881			(4,622	)		—			(1,608	)
Cash dividends declared, $0.31 per share		—			—			—			(9,130	)		—			(9,130	)
Shares cancelled		(2	)		(6	)		(111	)		117			—			—
Balance, March 31, 2025		29,469		$	59,066		$	399,004		$	597,243		$	(79,840	)	$	975,473

Activity for three months ended June 30, 2025:
Net income		—			—			—			34,024			—			34,024
Other comprehensive income		—			—			—			—			4,529			4,529
Stock compensation expense		—			—			1,121			—			—			1,121
Stock issued for share-based awards, net of withholdings to satisfy employee tax obligations		5			17			373			(698	)		—			(308	)
Cash dividends declared, $0.31 per share		—			—			—			(9,135	)		—			(9,135	)
Shares cancelled		(1	)		(2	)		(39	)		41			—			—
Balance, June 30, 2025		29,473		$	59,081		$	400,459		$	621,475		$	(75,311	)	$	1,005,704

Activity for three months ended September 30, 2025:
Net income		—			—			—			36,241			—			36,241
Other comprehensive income		—			—			—			—			7,689			7,689
Stock compensation expense		—			—			1,113			—			—			1,113
Stock issued for share-based awards, net of withholdings to satisfy employee tax obligations		3			9			220			(404	)		—			(175	)
Cash dividends declared, $0.32 per share		—			—			—			(9,428	)		—			(9,428	)
Shares cancelled		(2	)		(7	)		(121	)		128			—			—
Balance, September 30, 2025		29,474		$	59,083		$	401,671		$	648,012		$	(67,622	)	$	1,041,144

(continued)

Table of Contents

(continued)

													Accumulated
	Common stock						Additional						other			Total
	Shares						paid-in			Retained			comprehensive			stockholders'
	outstanding			Amount			capital			earnings			loss			equity

Balance, January 1, 2024		29,329		$	58,602		$	385,955		$	506,344		$	(92,798	)	$	858,103

Activity for three months ended March 31, 2024:
Net income		—			—			—			25,887			—			25,887
Other comprehensive loss		—			—			—			—			(2,256	)		(2,256	)
Stock compensation expense		—			—			942			—			—			942
Reclassification adjustment - ASU 2023-02		—			—			—			2,482			—			2,482
Stock issued for share-based awards, net of withholdings to satisfy employee tax obligations		65			212			2,825			(4,675	)		—			(1,638	)
Cash dividends declared, $0.30 per share		—			—			—			(8,809	)		—			(8,809	)
Shares cancelled		(1	)		(2	)		(37	)		39			—			—
Balance, March 31, 2024		29,393		$	58,812		$	389,685		$	521,268		$	(95,054	)	$	874,711

Activity for three months ended June 30, 2024:
Net income		—			—			—			27,598			—			27,598
Other comprehensive income		—			—			—			—			74			74
Stock compensation expense		—			—			1,008			—			—			1,008
Stock issued for share-based awards, net of withholdings to satisfy employee tax obligations		1			3			38			(90	)		—			(49	)
Cash dividends declared, $0.30 per share		—			—			—			(8,807	)		—			(8,807	)
Shares cancelled		(6	)		(18	)		(277	)		295			—			—
Balance, June 30, 2024		29,388		$	58,797		$	390,454		$	540,264		$	(94,980	)	$	894,535

Activity for three months ended September 30, 2024:
Net income		—			—			—			29,360			—			29,360
Other comprehensive income		—			—			—			—			19,707			19,707
Stock compensation expense		—			—			922			—			—			922
Stock issued for share-based awards, net of withholdings to satisfy employee tax obligations		27			91			1,624			(3,030	)		—			(1,315	)
Cash dividends declared, $0.31 per share		—			—			—			(9,115	)		—			(9,115	)
Shares cancelled		(1	)		(2	)		(35	)		37			—			—
Balance, September 30, 2024		29,414		$	58,886		$	392,965		$	557,516		$	(75,273	)	$	934,094

See accompanying notes to unaudited condensed consolidated financial statements.

Table of Contents

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited)

For the nine months ended September 30, 2025 and 2024 (in thousands)

	2025			2024
Cash flows from operating activities:
Net income	$	103,536		$	82,845
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses		5,050			7,050
Depreciation, amortization and accretion, net		3,935			10,410
Deferred income tax expense (benefit)		(2,226	)		(2,222	)
Gain on sale of mortgage loans held for sale		(2,374	)		(1,868	)
Origination of mortgage loans held for sale		(105,149	)		(78,742	)
Proceeds from sale of mortgage loans held for sale		107,764			81,844
Bank owned life insurance income		(1,882	)		(1,817	)
Gain on the sale of premises and equipment		(74	)		39
Gain on other real estate owned		(31	)		—
Stock compensation expense		3,387			2,872
Excess tax benefit from share-based compensation arrangements		(604	)		(669	)
Net change in accrued interest receivable and other assets		14,566			6,326
Net change in accrued interest payable and other liabilities		(11,964	)		17,865
Net cash provided by operating activities		113,934			123,933
Cash flows from investing activities:
Proceeds from maturities and paydowns of available for sale debt securities		789,721			193,504
Purchases of available for sale debt securities		(495,032	)		—
Proceeds from maturities and paydowns of held to maturity debt securities		167,049			65,195
Purchases of FHLB stock		(17,814	)		(33,711	)
Proceeds from redemption of FHLB stock		18,700			20,528
Net change in loans		(408,236	)		(506,484	)
Purchases of premises and equipment		(7,453	)		(6,570	)
Proceeds from sale or disposal of premises and equipment		710			223
Other investment activities		(54,585	)		(10,547	)
Proceeds from sales of other real estate owned		116			—
Net cash used in investing activities		(6,824	)		(277,862	)
Cash flows from financing activities:
Net change in deposits		477,571			55,325
Net change in securities sold under agreements to repurchase and federal funds purchased		(89,614	)		(9,549	)
Proceeds from FHLB advances		900,000			725,000
Repayments of FHLB advances		(900,000	)		(600,000	)
Repurchase of common stock		(2,089	)		(3,002	)
Cash dividends paid		(27,709	)		(26,738	)
Net cash provided by financing activities		358,159			141,036
Net change in cash and cash equivalents		465,269			(12,893	)
Beginning cash and cash equivalents		291,020			265,959
Ending cash and cash equivalents	$	756,289		$	253,066

(continued)

Table of Contents

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) (continued)

For the nine months ended September 30, 2025 and 2024 (in thousands)

Supplemental cash flow information:	2025		2024
Interest paid	$	125,403	$	115,558
Income taxes paid, net of refunds		15,995		13,143
Cash paid for operating lease liabilities		3,308		3,567

Supplemental non-cash activity:
Change in unfunded commitments in tax credit investments	$	21,000	$	9,250
Dividends payable to stockholders		241		232
Loans transferred to OREO		265		—

See accompanying notes to unaudited condensed consolidated financial statements.

Table of Contents

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (unaudited)

(1)

Summary of Significant Accounting Policies

The accompanying condensed consolidated financial statements include the accounts of Stock Yards Bancorp, Inc. and its wholly owned subsidiary, Stock Yards Bank & Trust Company. The condensed consolidated financial statements in this report have not been audited by the Company’s independent registered public accounting firm, but in the opinion of management, reflect all adjustments necessary for a fair statement of results for the interim period. All such adjustments are of a normal, recurring nature and all intercompany accounts and transactions have been eliminated.

To prepare the condensed consolidated financial statements, management must make estimates and assumptions that may require difficult, complex or subjective judgments, some of which may relate to matters that are inherently uncertain. Estimates are susceptible to material changes as a result of changes in facts and circumstances. Actual results could differ significantly from those estimates, and the results of operations for the three and nine month periods ended September 30, 2025 do not necessarily indicate the results that Bancorp will achieve for the year ended December 31, 2025, or any other interim period.

The condensed consolidated financial statements have been prepared in accordance with GAAP for interim financial information and with the rules and regulations for Form 10-Q as adopted by the SEC. Accordingly, the condensed consolidated financial statements do not include all of the information and notes required by GAAP for complete financial statements and should be read in conjunction with Bancorp’s most recent Annual Report on Form 10-K, which contain the latest audited consolidated financial statements and notes thereto.

Reclassifications – Certain amounts presented in prior periods have been reclassified to conform with the current period presentation. These reclassifications had no impact on previously reported prior periods’ net income or stockholder’s equity.

Adoption of New Accounting Guidance – Bancorp continually monitors potential accounting pronouncements and evaluates the impact that adoption of new guidance will have on the Company’s condensed consolidated financial statements.

In December 2023, the FASB issued ASU 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures.” The amendments in this update address investor requests for more transparency about income tax information through improvements to income tax disclosures, primarily related to effective tax rate reconciliation and information related to income taxes paid, among certain other amendments to improve the effectiveness of such disclosures. The amendments of this ASU are effective for annual periods beginning after December 15, 2024 and are to be applied on a prospective basis. Bancorp adopted this ASU on January 1, 2025 and adoption affects financial statement disclosure only, which is not required until year-end 2025 and, as a result, will not impact our results of operations or financial condition.

On December 31, 2024, Bancorp adopted ASU 2023-07, “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures.” The amendments in this update improve financial reporting by requiring disclosure of incremental segment information on an annual and interim basis for all public entities to enable investors to develop more decision-useful financial analyses. Adoption of this ASU did not have a material impact on Bancorp’s consolidated financial statements.

Accounting Standards Updates – Generally, if an issued but not yet effective ASU with an expected immaterial impact to Bancorp has been disclosed in prior SEC filings, it will not be re-disclosed.

In November 2024, the FASB issued ASU 2024-03, “Income Statement – Reporting Comprehensive Income – Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses.” This ASU requires public companies to disclose specified information about certain costs and expenses in the notes to financial statements at each interim and annual reporting period. Specifically, public companies will be required to disclose the amounts of (a) purchases of inventory; (b) employee compensation; (c) depreciation; (d) intangible asset amortization; and (e) depreciation, depletion and amortization recognized as part of oil and gas producing activities (or other amounts of depletion expense) included in each relevant expense caption. Within the same tabular disclosure, an entity must disclose certain expense, gain or loss amounts that are already required under current U.S. GAAP. Further, an entity must disclose a qualitative description of the amounts remaining in relevant expense captions that are not separately disaggregated quantitatively. In addition, an entity must disclose the total amount of selling expenses and, in annual reporting periods, an entity’s definition of selling expenses. The amendments in this ASU are effective for annual periods beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. Early adoption is permitted. We do not expect adoption of this standard to have a material impact on Bancorp’s consolidated financial statements.

Table of Contents

(2)

Investment Securities

Debt securities purchased in which Bancorp has the intent and ability to hold to their maturity are classified as HTM securities. All other investment securities are classified as AFS securities.

AFS Debt Securities

The following table summarizes the amortized cost, unrealized gains and losses, and fair value of Bancorp’s AFS debt securities portfolio:

(in thousands)	Amortized		Unrealized
September 30, 2025	cost		Gains		Losses			Fair value

Government sponsored enterprise obligations	$	77,669	$	105	$	(3,088	)	$	74,686
Mortgage backed securities		622,953		181		(74,850	)		548,284
Obligations of states and political subdivisions		124,141		10		(10,154	)		113,997
Other		595		-		(42	)		553
Total available for sale debt securities	$	825,358	$	296	$	(88,134	)	$	737,520

December 31, 2024

U.S. Treasury and other U.S. Government obligations	$	198,182	$	33	$	-		$	198,215
Government sponsored enterprise obligations		88,895		110		(4,847	)		84,158
Mortgage backed securities		696,767		-		(105,790	)		590,977
Obligations of states and political subdivisions		128,431		1		(14,198	)		114,234
Other		2,686		-		(156	)		2,530
Total available for sale debt securities	$	1,114,961	$	144	$	(124,991	)	$	990,114

HTM Debt Securities

The following table summarizes the amortized cost, unrecognized gains and losses, and fair value of Bancorp’s HTM debt securities portfolio:

(in thousands)	Carrying		Unrecognized
September 30, 2025	value		Gains		Losses			Fair value

U.S. Treasury and other U.S. Government obligations	$	1,990	$	-	$	(25	)	$	1,965
Government sponsored enterprise obligations		23,012		-		(1,285	)		21,727
Mortgage backed securities		178,117		3		(18,001	)		160,119
Total held to maturity debt securities	$	203,119	$	3	$	(19,311	)	$	183,811

December 31, 2024
U.S. Treasury and other U.S. Government obligations	$	153,850	$	-	$	(741	)	$	153,109
Government sponsored enterprise obligations		25,395		-		(2,034	)		23,361
Mortgage backed securities		190,926		2		(26,041	)		164,887
Total held to maturity debt securities	$	370,171	$	2	$	(28,816	)	$	341,357

All investment securities classified as HTM by Bancorp as of September 30, 2025 are obligations of the U.S. Government and/or are issued by government-sponsored enterprises and have an explicit government guarantee or have a credit rating on par with the U.S. government and are generally considered risk-free. Therefore, no ACL has been recorded for Bancorp’s HTM securities as of September 30, 2025. Further, as of September 30, 2025, none of Bancorp’s HTM securities were in non-accrual or past due status.

Table of Contents

Debt Securities by Contractual Maturity

A summary of AFS and HTM debt securities by contractual maturity as of September 30, 2025 follows:

	AFS Debt Securities				HTM Debt Securities
(in thousands)	Amortized cost		Fair value		Carrying value		Fair value

Due within one year	$	50,527	$	48,848	$	24,501	$	23,197
Due after one year but within five years		24,427		23,662		-		-
Due after five years but within 10 years		88,282		80,217		-		-
Due after 10 years		39,169		36,509		501		495
Mortgage backed securities		622,953		548,284		178,117		160,119
Total	$	825,358	$	737,520	$	203,119	$	183,811

Actual maturities may differ from contractual maturities because some issuers have the right to call or prepay obligations with or without prepayment penalties. The investment portfolio includes MBS, which are guaranteed by agencies such as FHLMC, FNMA and GNMA. These securities differ from traditional debt securities primarily in that they may have uncertain principal payment dates and are priced based on estimated prepayment rates on the underlying collateral.

Accrued interest on the investment securities portfolio (AFS and HTM) totaled $4 million and $5 million at September 30, 2025 and December 31, 2024, respectively. Accrued interest receivable on the investment securities portfolios is included in the condensed consolidated balance sheets.

Securities with a carrying value of $567 million and $852 million were pledged at September 30, 2025 and December 31, 2024, respectively, to secure accounts of commercial depositors in cash management accounts, public deposits and uninsured cash balances for certain WM&T accounts.

Based on an evaluation of available information including security type, counterparty credit quality, past events, current conditions, and reasonable and supportable forecasts that are relevant to collectability, Bancorp has concluded that it expects to receive all contractual cash flows from each security held in its AFS and HTM debt securities portfolio. As such, no allowance or impairment was recorded with respect to investment securities as of September 30, 2025 and December 31, 2024.

Table of Contents

Unrealized and Unrecognized Loss Analysis on Debt Securities

Debt securities with unrealized and unrecognized losses at September 30, 2025 and December 31, 2024, aggregated by investment category and length of time securities have been in a continuous unrealized loss position follows:

	AFS Debt Securities
	Less than 12 months					12 months or more					Total
(in thousands)	Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
September 30, 2025	value		losses			value		losses			value		losses

Government sponsored enterprise obligations	$	-	$	-		$	70,992	$	(3,088	)	$	70,992	$	(3,088	)
Mortgage-backed securities		-		-			528,631		(74,850	)		528,631		(74,850	)
Obligations of states and political subdivisions		1,174		(1	)		93,924		(10,153	)		95,098		(10,154	)
Other		-		-			553		(42	)		553		(42	)
Total AFS debt securities	$	1,174	$	(1	)	$	694,100	$	(88,133	)	$	695,274	$	(88,134	)

December 31, 2024

Government sponsored enterprise obligations	$	5,801	$	(49	)	$	74,478	$	(4,798	)	$	80,279	$	(4,847	)
Mortgage-backed securities		23,159		(579	)		567,818		(105,211	)		590,977		(105,790	)
Obligations of states and political subdivisions		9,181		(164	)		101,407		(14,034	)		110,588		(14,198	)
Other		-		-			2,530		(156	)		2,530		(156	)
Total AFS debt securities	$	38,141	$	(792	)	$	746,233	$	(124,199	)	$	784,374	$	(124,991	)

	HTM Debt Securities
	Less than 12 months					12 months or more					Total
(in thousands)	Fair		Unrecognized			Fair		Unrecognized			Fair		Unrecognized
September 30, 2025	value		losses			value		losses			value		losses

U.S. Treasury and other U.S. Government obligations	$	-	$	-		$	1,965	$	(25	)	$	1,965	$	(25	)
Government sponsored enterprise obligations		-		-			21,713		(1,285	)		21,713		(1,285	)
Mortgage-backed securities		-		-			159,701		(18,001	)		159,701		(18,001	)
Total HTM debt securities	$	-	$	-		$	183,379	$	(19,311	)	$	183,379	$	(19,311	)

December 31, 2024

U.S. Treasury and other U.S. Government obligations	$	-	$	-		$	153,109	$	(741	)	$	153,109	$	(741	)
Government sponsored enterprise obligations		396		(6	)		22,965		(2,028	)		23,361		(2,034	)
Mortgage-backed securities		-		-			164,724		(26,041	)		164,724		(26,041	)
Total HTM debt securities	$	396	$	(6	)	$	340,798	$	(28,810	)	$	341,194	$	(28,816	)

Applicable dates for determining when securities are in unrealized and unrecognized loss positions are September 30, 2025 and December 31, 2024. As such, it is possible that a security had a market value lower than its amortized cost on other days during the past 12 months, but is not in the “Less than 12 months” category of the preceding table.

Table of Contents

For debt securities with unrealized and unrecognized loss positions, Bancorp evaluates the securities to determine whether the decline in the fair value below the amortized cost basis (impairment) is due to credit-related factors or non-credit related factors. Any impairment that is not credit-related is recognized in AOCI, net of tax. Credit-related impairment is recognized as an ACL for debt securities on the balance sheet, limited to the amount by which the amortized cost basis exceeds the fair value, with a corresponding adjustment to earnings. Accrued interest receivable is excluded from the estimate of credit losses. Both the ACL and the adjustment to net income may be reversed if conditions change. However, if Bancorp intends to sell an impaired debt security or more likely than not will be required to sell such a security before recovering its amortized cost basis, the entire impairment amount would be recognized in earnings with a corresponding adjustment to the security’s amortized cost basis. Because the security’s amortized cost basis is adjusted to fair value, there is no ACL in this situation.

In evaluating debt securities in unrealized and unrecognized loss positions for impairment and the criteria regarding its intent or requirement to sell such securities, Bancorp considers the extent to which fair value is less than amortized cost, whether the securities are issued by the federal government or government-sponsored enterprises, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuers’ financial condition, among other factors. Unrealized and unrecognized losses on Bancorp’s investment securities portfolio have not been recognized as an expense because the securities are of high credit quality, and the decline in fair values is attributable to changes in the prevailing interest rate environment since the purchase date. Fair value is expected to recover as securities reach maturity and/or the interest rate environment returns to conditions similar to when these securities were purchased. These investments consisted of 417 and 488 separate investment positions as of September 30, 2025 and December 31, 2024, respectively. By dollar value, approximately 96% and 86% of the debt securities portfolio was in a loss position as of September 30, 2025 and December 31, 2024, respectively. There were no credit related factors underlying unrealized and unrecognized losses on debt securities at September 30, 2025 and December 31, 2024.

Table of Contents

(3)

Loans and Allowance for Credit Losses on Loans

Composition of loans by class follows:

(in thousands)	September 30, 2025		December 31, 2024

Commercial real estate - non-owner occupied	$	1,947,892	$	1,835,935
Commercial real estate - owner occupied		1,091,134		1,002,853
Total commercial real estate		3,039,026		2,838,788

Commercial and industrial - term		865,759		884,399
Commercial and industrial - lines of credit		624,390		554,255
Total commercial and industrial		1,490,149		1,438,654

Residential real estate - owner occupied		873,540		805,080
Residential real estate - non-owner occupied		394,429		382,744
Total residential real estate		1,267,969		1,187,824

Construction and land development		675,052		623,005
Home equity lines of credit		271,017		247,433
Consumer		142,149		144,644
Leases		18,517		15,514
Credits cards		25,577		24,540
Total loans (1)	$	6,929,456	$	6,520,402

(1) Total loans are presented inclusive of premiums, discounts and net loan origination fees and costs.

Accrued interest receivable on loans, which is excluded from the amortized cost of loans, totaled $24 million and $23 million at September 30, 2025 and December 31, 2024, respectively, and was included in the condensed consolidated balance sheets.

Loans with carrying amounts of $3.73 billion and $3.48 billion were pledged to secure FHLB borrowing capacity at September 30, 2025 and December 31, 2024, respectively.

Loans to directors and their related interests, including loans to companies for which directors are principal owners and executive officers, totaled $100 million and $97 million as of September 30, 2025 and December 31, 2024, respectively.

Table of Contents

ACL for Loans

The tables below reflect activity in the ACL for loans:

(in thousands) Three Months Ended September 30, 2025	Beginning Balance		Provision for Credit Losses on Loans			Charge-offs			Recoveries		Ending Balance

Commercial real estate - non-owner occupied	$	15,278	$	(960	)	$	-		$	-	$	14,318
Commercial real estate - owner occupied		11,996		869			-			17		12,882
Total commercial real estate		27,274		(91	)		-			17		27,200

Commercial and industrial - term		20,677		39			(68	)		175		20,823
Commercial and industrial - lines of credit		7,941		605			-			-		8,546
Total commercial and industrial		28,618		644			(68	)		175		29,369

Residential real estate - owner occupied		14,265		611			(85	)		4		14,795
Residential real estate - non-owner occupied		4,587		(37	)		-			2		4,552
Total residential real estate		18,852		574			(85	)		6		19,347

Construction and land development		11,134		87			-			-		11,221
Home equity lines of credit		1,343		34			-			-		1,377
Consumer		2,877		178			(251	)		106		2,910
Leases		390		46			-			-		436
Credit cards		234		78			(25	)		13		300
Total	$	90,722	$	1,550		$	(429	)	$	317	$	92,160

(in thousands) Nine Months Ended September 30, 2025	Beginning Balance		Provision for Credit Losses on Loans			Charge-offs			Recoveries		Ending Balance

Commercial real estate - non-owner occupied	$	13,935	$	357		$	-		$	26	$	14,318
Commercial real estate - owner occupied		10,192		2,711			(38	)		17		12,882
Total commercial real estate		24,127		3,068			(38	)		43		27,200

Commercial and industrial - term		21,284		(1,668	)		(410	)		1,617		20,823
Commercial and industrial - lines of credit		6,496		2,050			-			-		8,546
Total commercial and industrial		27,780		382			(410	)		1,617		29,369

Residential real estate - owner occupied		14,468		401			(135	)		61		14,795
Residential real estate - non-owner occupied		5,154		(601	)		(3	)		2		4,552
Total residential real estate		19,622		(200	)		(138	)		63		19,347

Construction and land development		10,981		240			-			-		11,221
Home equity lines of credit		1,277		110			(10	)		-		1,377
Consumer		2,531		874			(831	)		336		2,910
Leases		370		66			-			-		436
Credit cards		255		160			(169	)		54		300
Total	$	86,943	$	4,700		$	(1,596	)	$	2,113	$	92,160

Table of Contents

(in thousands) Three Months Ended September 30, 2024	Beginning Balance		Provision for Credit Losses on Loans			Charge-offs			Recoveries		Ending Balance

Commercial real estate - non-owner occupied	$	13,032	$	278		$	-		$	18	$	13,328
Commercial real estate - owner occupied		9,719		(352	)		-			-		9,367
Total commercial real estate		22,751		(74	)		-			18		22,695

Commercial and industrial - term		21,629		201			(658	)		67		21,239
Commercial and industrial - lines of credit		5,825		677			-			-		6,502
Total commercial and industrial		27,454		878			(658	)		67		27,741

Residential real estate - owner occupied		13,325		1,011			(295	)		4		14,045
Residential real estate - non-owner occupied		4,248		685			-			7		4,940
Total residential real estate		17,573		1,696			(295	)		11		18,885

Construction and land development		10,029		1,622			-			-		11,651
Home equity lines of credit		1,147		87			(100	)		-		1,134
Consumer		2,552		(6	)		(193	)		107		2,460
Leases		411		(9	)		-			-		402
Credit cards		238		131			(99	)		5		275
Total	$	82,155	$	4,325		$	(1,345	)	$	208	$	85,343

(in thousands) Nine Months Ended September 30, 2024	Beginning Balance		Provision for Credit Losses on Loans			Charge-offs			Recoveries		Ending Balance

Commercial real estate - non-owner occupied	$	22,133	$	(8,856	)	$	-		$	51	$	13,328
Commercial real estate - owner occupied		11,667		(2,349	)		-			49		9,367
Total commercial real estate		33,800		(11,205	)		-			100		22,695

Commercial and industrial - term		14,359		7,006			(748	)		622		21,239
Commercial and industrial - lines of credit		6,495		(197	)		-			204		6,502
Total commercial and industrial		20,854		6,809			(748	)		826		27,741

Residential real estate - owner occupied		9,316		5,021			(316	)		24		14,045
Residential real estate - non-owner occupied		4,282		651			-			7		4,940
Total residential real estate		13,598		5,672			(316	)		31		18,885

Construction and land development		7,593		4,058			-			-		11,651
Home equity lines of credit		1,660		(428	)		(100	)		2		1,134
Consumer		1,407		1,294			(606	)		365		2,460
Leases		220		182			-			-		402
Credit cards		242		193			(184	)		24		275
Total	$	79,374	$	6,575		$	(1,954	)	$	1,348	$	85,343

Table of Contents

The following tables present the amortized cost basis of non-performing loans and the amortized cost basis of loans on non-accrual status for which there was no related ACL losses:

	Non-accrual Loans				Past Due 90-Days-
(in thousands)	With No		Total		or-More and Still
September 30, 2025	Recorded ACL		Non-accrual		Accruing Interest

Commercial real estate - non-owner occupied	$	—	$	3,812	$	—
Commercial real estate - owner occupied		434		3,017		—
Total commercial real estate		434		6,829		—

Commercial and industrial - term		302		1,130		9
Commercial and industrial - lines of credit		—		1,188		—
Total commercial and industrial		302		2,318		9

Residential real estate - owner occupied		194		6,052		—
Residential real estate - non-owner occupied		—		1,432		91
Total residential real estate		194		7,484		91

Construction and land development		1,361		1,361		—
Home equity lines of credit		—		—		—
Consumer		—		265		—
Leases		—		—		—
Credit cards		—		302		—
Total	$	2,291	$	18,559	$	100

	Non-accrual Loans				Past Due 90-Days-
(in thousands)	With No		Total		or-More and Still
December 31, 2024	Recorded ACL		Non-accrual		Accruing Interest

Commercial real estate - non-owner occupied	$	4,409	$	5,221	$	—
Commercial real estate - owner occupied		434		1,231		73
Total commercial real estate		4,843		6,452		73

Commercial and industrial - term		3,828		4,903		95
Commercial and industrial - lines of credit		—		—		19
Total commercial and industrial		3,828		4,903		114

Residential real estate - owner occupied		371		7,168		—
Residential real estate - non-owner occupied		—		2,451		39
Total residential real estate		371		9,619		39

Construction and land development		—		311		—
Home equity lines of credit		—		70		91
Consumer		—		372		—
Leases		—		—		—
Credit cards		—		—		170
Total	$	9,042	$	21,727	$	487

For the three and nine month periods ended September 30, 2025 and 2024, the amount of accrued interest income previously recorded as revenue and subsequently reversed due to the change in accrual status was immaterial.

For the three and nine month periods ended September 30, 2025 and 2024, no interest income was recognized on loans on non-accrual status.

Table of Contents

The following table presents the amortized cost basis and ACL allocated for collateral dependent loans, which are individually evaluated to determine expected credit losses:

(in thousands) September 30, 2025	Real Estate		Accounts Receivable / Equipment		Other		Total		ACL Allocation

Commercial real estate - non-owner occupied	$	10,419	$	-	$	-	$	10,419	$	1,195
Commercial real estate - owner occupied		4,895		-		-		4,895		837
Total commercial real estate		15,314		-		-		15,314		2,032

Commercial and industrial - term		674		328		128		1,130		542
Commercial and industrial - lines of credit		1,205		288		-		1,493		1,265
Total commercial and industrial		1,879		616		128		2,623		1,807
					&nbs

Stock Yards Bancorp, Inc. 10-Q