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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 March 31, 2026

☐ 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 April 30, 2026, was 29,515,188.

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	8

Notes to Condensed Consolidated Financial Statements	10

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations.	52

Item 3. Quantitative and Qualitative Disclosures about Market Risk.	77

Item 4. Controls and Procedures.	77


PART II – OTHER INFORMATION

Item 1. Legal Proceedings.	77

Item 2. Unregistered Sales of Equity Securities and Use of Proceeds.	78

Item 5. Other Information	78

Item 6. Exhibits.	79


Signatures	80

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	EPS	Earnings Per Share	Nasdaq	The Nasdaq Stock Market, LLC
AFS	Available for Sale	ESG	Environmental, Social and Governance	NIM	Net Interest Margin (FTE)
AI	Artificial intelligence	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	PV	Present Value
ATM	Automated Teller Machine	FFTR	Federal Funds Target Rate	PCD	Purchased Credit Deteriorated
AUM	Assets Under Management	FHA	Federal Housing Authority	PD	Probability of Default
Bancorp / the Company	Stock Yards Bancorp, Inc.	FHC	Financial Holding Company	Prime	The Wall Street Journal Prime Interest Rate
Bank / SYB	Stock Yards Bank & Trust Company	FHLB	Federal Home Loan Bank of Cincinnati	Provision	Provision for Credit Losses
BOLI	Bank Owned Life Insurance	FHLMC	Federal Home Loan Mortgage Corporation	PSU	Performance Stock Unit
BP	Basis Point - 1/100th of one percent	FICA	Federal Insurance Contributions Act	ROA	Return on Average Assets
C&D	Construction and Land Development	FNMA	Federal National Mortgage Association	ROE	Return on Average Equity
Captive	SYB Insurance Company, Inc.	FRB	Federal Reserve Bank	RSA	Restricted Stock Award
C&I	Commercial and Industrial	FTE	Fully Tax Equivalent	RSU	Restricted Stock Unit
CB	Commonwealth Bancshares, Inc. and Commonwealth Bank & Trust Company	GAAP	United States Generally Accepted Accounting Principles	SAR	Stock Appreciation Right
CD	Certificate of Deposit	GLB	Gramm-Leach-Bliley Act	SBA	Small Business Administration
CDI	Core Deposit Intangible	GNMA	Government National Mortgage Association	SEC	Securities and Exchange Commission
CECL	Current Expected Credit Loss (ASC-326)	HELOC	Home Equity Line of Credit	SOFR	Secured Overnight Financing Rate
CEO	Chief Executive Officer	HTM	Held to Maturity	SSUAR	Securities Sold Under Agreements to Repurchase
CFO	Chief Financial Officer	ICS	Insured Cash Sweep	SVP	Senior Vice President
CFPB	Consumer Financial Protection Bureau	ITM	Interactive Teller Machine	TBA	To Be Annouced
CLI	Customer List Intangible	KB	Kentucky Bancshares, Inc. and Kentucky Bank	TBOC	The Bank Oldham County
CRA	Community Reinvestment Act	KSB	King Bancorp, Inc. and King Southern Bank	TCE	Tangible Common Equity
CRE	Commercial Real Estate	LGD	Loss Given Default	TPS	Trust Preferred Securities
DCF	Discounted Cash Flow	Loans	Loans and Leases	VA	U.S. Department of Veterans Affairs
DTA	Deferred Tax Asset	MBS	Mortgage Backed Securities	WM&T	Wealth Management and Trust
DTL	Deferred Tax Liability	MSA	Metropolitan Statistical Area
Dodd-Frank Act	The Dodd-Frank Wall Street Reform and Consumer Protection Act	MSRs	Mortgage Servicing Rights

Table of Contents

PART I – FINANCIAL INFORMATION

Item 1. Financial Statements

CONDENSED CONSOLIDATED BALANCE SHEETS

March 31, 2026 (unaudited) and December 31, 2025 (in thousands, except share data)

	March 31,			December 31,
	2026			2025
Assets
Cash and due from banks	$	85,596		$	70,061
Federal funds sold and interest bearing due from banks		581,123			816,315
Total cash and cash equivalents		666,719			886,376

Mortgage loans held for sale, at fair value		5,758			6,247
Available for sale debt securities (amortized cost of $773,658 in 2026 and $801,371 in 2025, respectively)		692,798			722,111
Held to maturity debt securities (fair value of $175,255 in 2026 and $181,203 in 2025, respectively)		192,956			198,946
Federal Home Loan Bank stock, at cost		20,717			20,717
Loans		7,226,429			7,041,310
Allowance for credit losses on loans		(93,596	)		(91,867	)
Net loans		7,132,833			6,949,443

Premises and equipment, net		119,856			118,698
Premises held for sale		896			1,678
Bank owned life insurance		92,517			91,885
Accrued interest receivable		28,579			28,783
Goodwill		194,074			194,074
Core deposit intangible		6,193			6,688
Customer list intangible		5,168			5,472
Other assets		307,792			305,006
Total assets	$	9,466,856		$	9,536,124

Liabilities
Deposits:
Non-interest bearing	$	1,456,324		$	1,435,846
Interest bearing		6,300,912			6,355,291
Total deposits		7,757,236			7,791,137
Securities sold under agreements to repurchase		87,513			112,476
Federal funds purchased		7,345			7,289
Subordinated debentures		26,806			26,806
Federal Home Loan Bank advances		300,000			300,000
Accrued interest payable		1,706			1,740
Other liabilities		183,315			220,979
Total liabilities		8,363,921			8,460,427

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 29,516,000 and 29,476,000 shares in 2026 and 2025, respectively		59,222			59,090
Additional paid-in capital		406,774			402,820
Retained earnings		698,139			675,062
Accumulated other comprehensive loss		(61,200	)		(61,275	)
Total stockholders’ equity		1,102,935			1,075,697
Total liabilities and equity	$	9,466,856		$	9,536,124

See accompanying notes to unaudited condensed consolidated financial statements.

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CONDENSED CONSOLIDATED STATEMENTS OF INCOME (unaudited)

For the three months ended March 31, 2026 and 2025 (in thousands, except per share data)

	Three months ended
	March 31,
	2026		2025
Interest income:
Loans, including fees	$	106,459	$	99,600
Federal funds sold and interest bearing due from banks		5,030		2,001
Mortgage loans held for sale		70		77
Federal Home Loan Bank stock		392		532
Investment securities:
Taxable		5,243		8,495
Tax-exempt		448		461
Total interest income		117,642		111,166
Interest expense:
Deposits		35,462		34,581
Securities sold under agreements to repurchase		401		814
Federal funds purchased and other short-term borrowings		65		70
Federal Home Loan Bank advances		2,927		4,741
Subordinated debentures		366		408
Total interest expense		39,221		40,614
Net interest income		78,421		70,552
Provision for credit losses		1,625		900
Net interest income after provision expense		76,796		69,652
Non-interest income:
Wealth management and trust services		11,335		10,647
Deposit service charges		2,156		2,079
Debit and credit card income		4,638		4,508
Treasury management fees		2,988		2,673
Mortgage banking income		930		917
Net investment product sales commissions and fees		1,061		1,010
Bank owned life insurance		632		622
Gain on sale of premises and equipment		479		-
Other		375		540
Total non-interest income		24,594		22,996
Non-interest expenses:
Compensation		29,166		25,932
Employee benefits		6,169		5,785
Net occupancy and equipment		4,320		4,123
Technology and communication		5,335		4,828
Debit and credit card processing		1,922		1,819
Marketing and business development		1,278		1,515
Postage, printing and supplies		913		969
Legal and professional		876		907
FDIC insurance		1,146		1,223
Capital and deposit based taxes		878		700
Intangible amortization		799		914
Other		2,440		2,312
Total non-interest expenses		55,242		51,027
Income before income tax expense		46,148		41,621
Income tax expense		9,553		8,350
Net income	$	36,595	$	33,271
Net income per share - basic	$	1.25	$	1.13
Net income per share - diluted	$	1.24	$	1.13
Weighted average outstanding shares
Basic		29,387		29,349
Diluted		29,502		29,501

See accompanying notes to unaudited condensed consolidated financial statements.

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CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited)

For the three months ended March 31, 2026 and 2025 (in thousands)

	Three months ended
	March 31,
	2026			2025
Net income	$	36,595		$	33,271
Other comprehensive income (loss):
Change in unrealized gain (loss) on AFS debt securities		(1,600	)		18,515
Change in fair value of derivatives used in cash flow hedge		1,691			(3,497	)
Total other comprehensive income (loss) before income tax effect		91			15,018
Income tax effect		16			3,707
Total other comprehensive income (loss) net of tax		75			11,311
Comprehensive income	$	36,670		$	44,582

See accompanying notes to unaudited condensed consolidated financial statements.

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

For the three months ended March 31, 2026 and 2025 (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, 2026		29,476		$	59,090		$	402,820		$	675,062		$	(61,275	)	$	1,075,697

Activity for three months ended March 31, 2026:
Net income		—			—			—			36,595			—			36,595
Other comprehensive income		—			—			—			—			75			75
Stock compensation expense		—			—			1,287			—			—			1,287
Stock issued for share-based awards, net of withholdings to satisfy employee taxobligations		42			140			2,812			(4,232	)		—			(1,280	)
Cash dividends declared, $0.32 per share		—			—			—			(9,439	)		—			(9,439	)
Shares cancelled		(2	)		(8	)		(145	)		153			—			—
Balance, March 31, 2026		29,516		$	59,222		$	406,774		$	698,139		$	(61,200	)	$	1,102,935

													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

See accompanying notes to unaudited condensed consolidated financial statements.

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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited)

For the three months ended March 31, 2026 and 2025 (in thousands)

	2026			2025
Cash flows from operating activities:
Net income	$	36,595		$	33,271
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses		1,625			900
Depreciation, amortization and accretion, net		2,989			1,254
Deferred income tax expense		1,203			584
Gain on sale of mortgage loans held for sale		(642	)		(554	)
Origination of mortgage loans held for sale		(32,087	)		(29,997	)
Proceeds from sale of mortgage loans held for sale		33,218			29,040
Bank owned life insurance income		(632	)		(622	)
Gain on the sale of premises and equipment		(479	)		—
Stock compensation expense		1,287			1,153
Excess tax benefit from share-based compensation arrangements		(126	)		(380	)
Net change in accrued interest receivable and other assets		(3,599	)		6,853
Net change in accrued interest payable and other liabilities		(27,103	)		(21,719	)
Net cash provided by operating activities		12,249			19,783
Cash flows from investing activities:
Proceeds from maturities and paydowns of available for sale debt securities		127,295			223,533
Purchases of available for sale debt securities		(99,579	)		(247,468	)
Proceeds from maturities and paydowns of held to maturity debt securities		5,943			157,796
Purchases of FHLB stock		—			(15,972	)
Proceeds from redemption of FHLB stock		—			8,260
Net change in loans		(184,890	)		(124,832	)
Purchases of premises and equipment		(2,741	)		(1,943	)
Proceeds from sale or disposal of premises and equipment		1,257			—
Other investment activities		(9,591	)		(11,756	)
Net cash used in investing activities		(162,306	)		(12,382	)
Cash flows from financing activities:
Net change in deposits		(33,901	)		127,565
Net change in securities sold under agreements to repurchase and federal funds purchased		(24,907	)		(11,528	)
Proceeds from FHLB advances		300,000			300,000
Repayments of FHLB advances		(300,000	)		(300,000	)
Repurchase of common stock		(1,280	)		(1,608	)
Cash dividends paid		(9,512	)		(9,114	)
Net cash (used in) provided by financing activities		(69,600	)		105,315
Net change in cash and cash equivalents		(219,657	)		112,716
Beginning cash and cash equivalents		886,376			291,020
Ending cash and cash equivalents	$	666,719		$	403,736

(continued)

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

For the three months ended March 31, 2026 and 2025 (in thousands)

	2026		2025
Supplemental cash flow information:
Interest paid	$	39,255	$	40,553
Income taxes paid, net of refunds		11,200		6,085
Cash paid for operating lease liabilities		1,138		1,138

Supplemental non-cash activity:
Change in unfunded commitments in tax credit investments	$	—	$	16,000
Dividends payable to stockholders		198		185
Loans transferred to OREO		—		75

See accompanying notes to unaudited condensed consolidated financial statements.

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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 month period ended March 31, 2026 do not necessarily indicate the results that Bancorp will achieve for the year ended December 31, 2026, 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. In the opinion of management, all adjustments considered necessary to present the results for interim periods fairly have been included.

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.

Use of Estimates – To prepare financial statement in conformity with GAAP, management must make estimates and assumptions that require difficult, complex of subjective judgements, 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. Facts and circumstances which could affect these judgements include, but are not limited to, changes in interest rates, changes in the performance of the economy and changes in the financial condition of borrowers.

Adoption of New Accounting Guidance – In November 2025, the FASB issued ASU 2025-08, “Financial Instruments – Credit Losses (Topic 326): Purchased Loans.” ASU 2025-08 expands the scope of the “gross up” method, formerly applicable only to PCD assets, to include acquired non-PCD loans that meet certain criteria, now referred to as “purchased seasoned loans,” (PSLs). Under this model, an allowance for expected credit losses is recognized at acquisition, offsetting the loan’s amortized cost basis, thereby eliminating the day-one credit-loss expense previously required for non-PCD assets. PSLs are defined as non-PCD loans acquired either (i) through a business combination, or (ii) purchased more than 90 days after origination, when the acquirer was not involved in origination. As permitted, Bancorp has elected to early adopt the amended guidance on January 1, 2026 on a prospective basis.

Accounting Standards Updates – 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 update requires disaggregated disclosure of income statement expenses for public business entities. New financial statement disclosures are required in tabular format, disaggregating information about prescribed categories underlying any relevant income statement expense caption. The prescribed categories include, among other things, employee compensation, depreciation, and intangible asset amortization. Additionally, entities must disclose the total amount of selling expenses and, in annual reporting periods, an entity’s definition of selling expenses. ASU 2024-03 is effective for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. Bancorp is evaluating the impact this ASU will have on our financial statements.

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(2)

Investment 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
March 31, 2026	cost		Gains		Losses			Fair value

Government sponsored agency obligations	$	72,672	$	108	$	(2,700	)	$	70,080
Mortgage backed securities		582,582		113		(68,352	)		514,343
Obligations of states and political subdivisions		117,864		5		(9,996	)		107,873
Other		540		-		(38	)		502

Total available for sale debt securities	$	773,658	$	226	$	(81,086	)	$	692,798

December 31, 2025

Government sponsored agency obligations	$	75,459	$	97	$	(2,737	)	$	72,819
Mortgage backed securities		602,261		322		(67,576	)		535,007
Obligations of states and political subdivisions		123,083		10		(9,339	)		113,754
Other		568		-		(37	)		531

Total available for sale debt securities	$	801,371	$	429	$	(79,689	)	$	722,111

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
March 31, 2026	value		Gains		Losses			Fair value

U.S. Treasury and other U.S. Government obligations	$	1,999	$	-	$	(3	)	$	1,996
Government sponsored agency obligations		20,958		-		(1,252	)		19,706
Mortgage backed securities		169,999		4		(16,450	)		153,553

Total held to maturity debt securities	$	192,956	$	4	$	(17,705	)	$	175,255

December 31, 2025
U.S. Treasury and other U.S. Government obligations	$	1,994	$	-	$	(12	)	$	1,982
Government sponsored agency obligations		22,957		-		(1,112	)		21,845
Mortgage backed securities		173,995		5		(16,624	)		157,376

Total held to maturity debt securities	$	198,946	$	5	$	(17,748	)	$	181,203

All investment securities classified as HTM by Bancorp as of March 31, 2026 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 March 31, 2026. Further, as of March 31, 2026, none of Bancorp’s HTM securities were in non-accrual or past due status.

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Debt Securities by Contractual Maturity

A summary of AFS and HTM debt securities by contractual maturity as of March 31, 2026 follows:

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

Due within one year	$	6,609	$	6,585	$	2,535	$	2,532
Due after one year but within five years		41,172		39,678		175		174
Due after five years but within 10 years		84,549		76,051		19,928		18,684
Due after 10 years		58,746		56,141		319		312
Mortgage backed securities		582,582		514,343		169,999		153,553
Total	$	773,658	$	692,798	$	192,956	$	175,255

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 $3 million and $4 million at March 31, 2026 and December 31, 2025, respectively. Accrued interest receivable on the investment securities portfolios is included in the condensed consolidated balance sheets.

Securities with a carrying value of $645 million and $707 million were pledged at March 31, 2026 and December 31, 2025, respectively, to secure accounts of commercial depositors in cash management accounts, public deposits and uninsured cash balances for 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 March 31, 2026 and December 31, 2025.

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Unrealized and Unrecognized Loss Analysis on Debt Securities

Debt securities with unrealized and unrecognized losses at March 31, 2026 and December 31, 2025, 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
March 31, 2026	value		losses			value		losses			value		losses

Government sponsored agency obligations	$	-	$	-		$	62,453	$	(2,700	)	$	62,453	$	(2,700	)
Mortgage-backed securities		25,720		(274	)		473,048		(68,078	)		498,768		(68,352	)
Obligations of states and political subdivisions		12,919		(199	)		80,355		(9,797	)		93,274		(9,996	)
Other		-		-			502		(38	)		502		(38	)
Total AFS debt securities	$	38,639	$	(473	)	$	616,358	$	(80,613	)	$	654,997	$	(81,086	)

December 31, 2025

Government sponsored agency obligations	$	-	$	-		$	69,880	$	(2,737	)	$	69,880	$	(2,737	)
Mortgage-backed securities		-		-			507,041		(67,576	)		507,041		(67,576	)
Obligations of states and political subdivisions		1,446		(4	)		91,609		(9,335	)		93,055		(9,339	)
Other		-		-			531		(37	)		531		(37	)
Total AFS debt securities	$	1,446	$	(4	)	$	669,061	$	(79,685	)	$	670,507	$	(79,689	)

	HTM Debt Securities
	Less than 12 months				12 months or more					Total
(in thousands)	Fair		Unrecognized		Fair		Unrecognized			Fair		Unrecognized
March 31, 2026	value		losses		value		losses			value		losses

U.S. Treasury and other U.S. Government obligations	$	-	$	-	$	1,995	$	(3	)	$	1,995	$	(3	)
Government sponsored agency obligations		-		-		19,669		(1,252	)		19,669		(1,252	)
Mortgage-backed securities		-		-		153,079		(16,450	)		153,079		(16,450	)
Total HTM debt securities	$	-	$	-	$	174,743	$	(17,705	)	$	174,743	$	(17,705	)

December 31, 2025

U.S. Treasury and other U.S. Government obligations	$	-	$	-	$	1,982	$	(12	)	$	1,982	$	(12	)
Government sponsored agency obligations		-		-		21,649		(1,112	)		21,649		(1,112	)
Mortgage-backed securities		-		-		156,877		(16,624	)		156,877		(16,624	)
Total HTM debt securities	$	-	$	-	$	180,508	$	(17,748	)	$	180,508	$	(17,748	)

Applicable dates for determining when securities are in unrealized and unrecognized loss positions are March 31, 2026 and December 31, 2025. 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.

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 410 and 402 separate investment positions as of March 31, 2026 and December 31, 2025, respectively.

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(3)

Loans and Allowance for Credit Losses on Loans

Composition of loans by class follows:

(in thousands)	March 31, 2026		December 31, 2025

Commercial real estate - non-owner occupied	$	1,964,589	$	1,915,252
Commercial real estate - owner occupied		1,176,570		1,121,896
Total commercial real estate		3,141,159		3,037,148

Commercial and industrial - term		967,246		897,576
Commercial and industrial - lines of credit		625,332		611,913
Total commercial and industrial		1,592,578		1,509,489

Residential real estate - owner occupied		888,721		881,865
Residential real estate - non-owner occupied		387,652		391,216
Total residential real estate		1,276,373		1,273,081

Construction and land development		742,243		751,897
Home equity lines of credit		290,766		285,115
Consumer		142,897		142,425
Leases		15,493		16,912
Credits cards		24,920		25,243
Total loans (1)	$	7,226,429	$	7,041,310

(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, $25 million at both March 31, 2026 and December 31, 2025 and was included in the condensed consolidated balance sheets.

Loans with carrying amounts of $3.86 billion and $3.78 billion were pledged to secure FHLB borrowing capacity at March 31, 2026 and December 31, 2025, respectively.

Loans to directors and their related interests, including loans to companies for which directors are principal owners and executive officers, totaled $96 million and $104 million as of March 31, 2026 and December 31, 2025, respectively.

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ACL for Loans

Fluctuations in the ACL for loans during the three months ended March 31, 2026 were the result of loan growth, changes in the forecasted unemployment forecast, a decrease in specific reserves in addition to net recoveries.

The tables below reflect activity in the ACL for loans:

(in thousands)	Beginning		Provision for Credit Losses								Ending
Three Months Ended March 31, 2026	Balance		on Loans			Charge-offs			Recoveries		Balance

Commercial real estate - non-owner occupied	$	13,779	$	200		$	-		$	-	$	13,979
Commercial real estate - owner occupied		13,100		426			-			-		13,526
Total commercial real estate		26,879		626			-			-		27,505

Commercial and industrial - term		21,121		1,187			-			233		22,541
Commercial and industrial - lines of credit		7,323		232			-			-		7,555
Total commercial and industrial		28,444		1,419			-			233		30,096

Residential real estate - owner occupied		14,914		(103	)		(103	)		3		14,711
Residential real estate - non-owner occupied		4,287		(109	)		-			-		4,178
Total residential real estate		19,201		(212	)		(103	)		3		18,889

Construction and land development		12,316		(244	)		-			-		12,072
Home equity lines of credit		1,439		25			-			-		1,464
Consumer		2,924		24			(254	)		250		2,944
Leases		524		(160	)		-			-		364
Credit cards		140		147			(54	)		29		262
Total	$	91,867	$	1,625		$	(411	)	$	515	$	93,596

(in thousands)	Beginning		Provision for Credit Losses								Ending
Three Months Ended March 31, 2025	Balance		on Loans			Charge-offs			Recoveries		Balance

Commercial real estate - non-owner occupied	$	13,935	$	663		$	-		$	18	$	14,616
Commercial real estate - owner occupied		10,192		1,647			-			-		11,839
Total commercial real estate		24,127		2,310			-			18		26,455

Commercial and industrial - term		21,284		(764	)		(260	)		1,417		21,677
Commercial and industrial - lines of credit		6,496		133			-			-		6,629
Total commercial and industrial		27,780		(631	)		(260	)		1,417		28,306

Residential real estate - owner occupied		14,468		(983	)		(50	)		3		13,438
Residential real estate - non-owner occupied		5,154		(667	)		-			-		4,487
Total residential real estate		19,622		(1,650	)		(50	)		3		17,925

Construction and land development		10,981		406			-			-		11,387
Home equity lines of credit		1,277		13			(10	)		-		1,280
Consumer		2,531		403			(203	)		113		2,844
Leases		370		(29	)		-			-		341
Credit cards		255		78			(91	)		34		276
Total	$	86,943	$	900		$	(614	)	$	1,585	$	88,814

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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
March 31, 2026	Recorded ACL		Non-accrual		Accruing Interest

Commercial real estate - non-owner occupied		583	$	858		719
Commercial real estate - owner occupied		—		1,204		—
Total commercial real estate		583		2,062		719

Commercial and industrial - term		41		512		—
Commercial and industrial - lines of credit		—		301		—
Total commercial and industrial		41		813		—

Residential real estate - owner occupied		17		6,055		—
Residential real estate - non-owner occupied		324		1,161		159
Total residential real estate		341		7,216		159

Construction and land development		—		—		—
Home equity lines of credit		—		—		49
Consumer		20		318		—
Leases		—		—		—
Credit cards		—		110		—
Total	$	985	$	10,519	$	927

	Non-accrual Loans				Past Due 90-Days-
(in thousands)	With No		Total		or-More and Still
December 31, 2025	Recorded ACL		Non-accrual		Accruing Interest

Commercial real estate - non-owner occupied	$	—	$	283	$	72
Commercial real estate - owner occupied		—		2,449		219
Total commercial real estate		—		2,732		291

Commercial and industrial - term		348		819		—
Commercial and industrial - lines of credit		—		182		—
Total commercial and industrial		348		1,001		—

Residential real estate - owner occupied		400		7,349		158
Residential real estate - non-owner occupied		324		1,173		—
Total residential real estate		724		8,522		158

Construction and land development		—		—		—
Home equity lines of credit		—		—		—
Consumer		20		278		—
Leases		—		—		—
Credit cards		—		52		—
Total	$	1,092	$	12,585	$	449

For the three month periods ended March 31, 2026 and 2025, 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 month periods ended March 31, 2026 and 2025, no interest income was recognized on loans on non-accrual status.

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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) March 31, 2026	Real Estate		Accounts Receivable / Equipment		Other		Total		ACL Allocation

Commercial real estate - non-owner occupied	$	7,301	$	-	$	-	$	7,301	$	888
Commercial real estate - owner occupied		2,175		147		-		2,322		474
Total commercial real estate		9,476		147		-		9,623		1,362

Commercial and industrial - term		166		93		41		300		-
Commercial and industrial - lines of credit		575		200		-		775		421
Total commercial and industrial		741		293		41		1,075		421

Residential real estate - owner occupied		5,086		-		-		5,086		1,179
Residential real estate - non-owner occupied		1,573		-		-		1,573		443
Total residential real estate		6,659		-		-		6,659		1,622

Construction and land development		-		-		-		-		-
Home equity lines of credit		-		-		-		-		-
Consumer		-		-		315		315		-
Leases		-		-		-		-		-
Credit cards		-		-		-		-		-
Total collateral dependent loans	$	16,876	$	440	$	356	$	17,672	$	3,405

(in thousands) December 31, 2025	Real Estate		Accounts Receivable / Equipment		Other		Total		ACL Allocation

Commercial real estate - non-owner occupied	$	6,809	$	-	$	-	$	6,809	$	887
Commercial real estate - owner occupied		4,302		-		-		4,302		755
Total commercial real estate		11,111		-		-		11,111		1,642

Commercial and industrial - term		877		97		46		1,020		405
Commercial and industrial - lines of credit		289		-		382		671		306
Total commercial and industrial		1,166		97		428		1,691		711

Residential real estate - owner occupied		6,376		-		-		6,376		1,464
Residential real estate - non-owner occupied		1,608		-		-		1,608		470
Total residential real estate		7,984		-		-		7,984		1,934

Construction and land development		-		-		-		-		-
Home equity lines of credit		-		-		-		-		-
Consumer		-		-		272		272		-
Leases		-		-		-		-		-
Credit cards		-		-		-		-		-
Total collateral dependent loans	$	20,261	$	97	$	700	$	21,058	$	4,287

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The following tables present the aging of contractually past due loans by portfolio class:

(in thousands)			30-59 days		60-89 days		90 or more		Total Past		Total
March 31, 2026	Current		Past Due		Past Due		days Past Due		Due Loans		Loans

Commercial real estate - non-owner occupied	$	1,961,972	$	877	$	745	$	995	$	2,617	$	1,964,589
Commercial real estate - owner occupied		1,173,119		2,104		851		496		3,451		1,176,570
Total commercial real estate		3,135,091		2,981		1,596		1,491		6,068		3,141,159

Commercial and industrial - term		965,458		732		585		471		1,788		967,246
Commercial and industrial - lines of credit		624,826		456		50		—		506		625,332
Total commercial and industrial		1,590,284		1,188		635		471		2,294		1,592,578

Residential real estate - owner occupied		869,933		12,688		586		5,514		18,788		888,721
Residential real estate - non-owner occupied		386,282		230		324		816		1,370		387,652
Total residential real estate		1,256,215		12,918		910		6,330		20,158		1,276,373

Construction and land development		742,243		—		—		—		—		742,243
Home equity lines of credit		290,407		310		—		49		359		290,766
Consumer		141,921		406		256		314		976		142,897
Leases		15,493		—		—		—		—		15,493
Credit cards		24,448		273		89		110		472		24,920
Total	$	7,196,102	$	18,076	$	3,486	$	8,765	$	30,327	$	7,226,429

(in thousands)			30-59 days		60-89 days		90 or more		Total Past		Total
December 31, 2025	Current		Past Due		Past Due		days Past Due		Due Loans		Loans

Commercial real estate - non-owner occupied	$	1,912,951	$	2,042	$	151	$	108	$	2,301	$	1,915,252
Commercial real estate - owner occupied		1,120,790		383		—		723		1,106		1,121,896
Total commercial real estate		3,033,741		2,425		151		831		3,407		3,037,148

Commercial and industrial - term		896,911		71		84		510		665		897,576
Commercial and industrial - lines of credit		611,757		156		—		—		156		611,913
Total commercial and industrial		1,508,668		227		84		510		821		1,509,489

Residential real estate - owner occupied		862,509		8,514		4,137		6,705		19,356		881,865
Residential real estate - non-owner occupied		390,148		103		151		814		1,068		391,216
Total residential real estate		1,252,657		8,617		4,288		7,519		20,424		1,273,081

Construction and land development		751,897		—		—		—		—		751,897
Home equity lines of credit		284,707		369		39		—		408		285,115
Consumer		141,352		445		350		278		1,073		142,425
Leases		16,912		—		—		—		—		16,912
Credit cards		24,970		187		34		52		273		25,243
Total	$	7,014,904	$	12,270	$	4,946	$	9,190	$	26,406	$	7,041,310

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Loan Risk Ratings

Consistent with regulatory guidance, Bancorp categorizes loans into credit risk rating categories based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information and current economic trends. Pass-rated loans include all risk-rated loans other than those classified as OAEM, substandard, and doubtful, which are defined below:

OAEM – Loans classified as OAEM have potential weaknesses requiring management's heightened attention. These potential weaknesses may result in deterioration of repayment prospects for the loan or of Bancorp's credit position at some future date.

Substandard – Loans classified as substandard are inadequately protected by the paying capacity of the obligor or of collateral pledged, if any. Loans so classified have well-defined weaknesses that jeopardize ultimate repayment of the debt. Default is a distinct possibility if the deficiencies are not corrected.

Substandard non-performing – Loans classified as substandard non-performing have all the characteristics of substandard loans and have been placed on non-accrual status. Loans are usually placed on non-accrual status when prospects for recovering both principal and accrued interest are considered doubtful or when a default of principal or interest has existed for 90 days or more.

Doubtful – Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or repayment in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. A loan is typically charged off once it is classified as doubtful.

Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal of loan constitutes a current period origination. Current period renewals of credit are re-underwritten at the point of renewal and considered current period originations for purposes of the table below. Bancorp has elected not to disclose revolving loans that have converted to term loans, as activity relating to this disclosure, which is included in the tables is currently immaterial to Bancorp’s loan portfolio and is expected to be in the future.

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As of March 31, 2026, the risk rating of loans based on year of origination was as follows:

(in thousands)	Term Loans Amortized Cost Basis by Origination Year												Revolving loans amortized
March 31, 2026	2026		2025		2024		2023		2022		Prior		cost basis		Total

Commercial real estate - non-owner occupied:
Risk rating
Pass	$	158,676	$	437,758	$	287,044	$	308,472	$	298,386	$	397,377	$	23,303	$	1,911,016
OAEM		15,208		7,876		2,260		14,070		2,204		6,802		-		48,420
Substandard		2,737		137		-		1,217		-		204		-		4,295
Substandard non-performing		-		-		151		-		582		125		-		858
Doubtful		-		-		-		-		-		-		-		-
Total Commercial real estate non-owner occupied	$	176,621	$	445,771	$	289,455	$	323,759	$	301,172	$	404,508	$	23,303	$	1,964,589

Current period gross charge offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Commercial real estate - owner occupied:
Risk rating
Pass	$	52,087	$	193,097	$	187,322	$	171,259	$	157,730	$	355,217	$	18,556	$	1,135,268
OAEM		-		2,318		5,953		1,008		5,795		5,895		-		20,969
Substandard		1,675		5,318		2,298		3,843		3,007		2,988		-		19,129
Substandard non-performing		-		-		240		-		155		809		-		1,204
Doubtful		-		-		-		-		-		-		-		-

Stock Yards Bancorp, Inc. 10-Q