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SBA lender · 7(a) program
Stock Yards Bank & Trust Company
Stock Yards Bank & Trust Company has approved 798 SBA loans worth $383.7M since FY2010 - the #245 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#245
0.08% of all SBA dollars
Total approved
$383.7M
FY2010 onward
Loans
798
Median loan
$204,700
+14% vs national
Median rate
6.00%
-0.75 pts vs national
Charge-off rate
7.7%
365 resolved FY10-19 loans
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What Stock Yards Bank & Trust Company’s numbers say
Stock Yards Bank & Trust Company sits in the long tail of the SBA lending field, having approved 798 loans for a gross total of $383.7M since fiscal 2010. Its median loan of $204,700 is close to the $180,000 national median.
The median initial note rate across its 7(a) approvals is 6.00%, 0.75 points below the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Of its FY2010-FY2019 approvals that have reached a terminal status, 7.7% were charged off, right at the national figure. Read that as a description of the credit box a lender chose, not as a verdict on it: lenders serving newer businesses and thinner files will always show higher losses than those writing large, collateralised acquisition loans.
Roughly 31% of its approvals with a recorded business age went to startups or businesses two years old or less, against 27% nationally.
Where Stock Yards Bank & Trust Company lends
| State | Loans | Share |
|---|---|---|
| Kentucky | 515 | |
| Indiana | 172 | |
| Ohio | 95 | |
| Georgia | 4 | |
| Pennsylvania | 2 | |
| California | 2 | |
| Connecticut | 2 | |
| South Carolina | 2 |
Franchise brands Stock Yards Bank & Trust Company financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Two Men and a Truck | 8 | $9.8M | |
| Subway | 5 | $1.2M | |
| Zaxby's | 4 | $4.3M | |
| Ritter's Frozen Custard | 4 | $712K | |
| Mosquito Joe | 4 | $1.4M | |
| Do it Best | 4 | $3.5M | |
| Parlor Doughnuts | 4 | $1.8M | |
| Dunkin' | 3 | $650K |
Brands with the most Stock Yards Bank & Trust Company SBA loans, among brands with at least 10 loans in the file. Compare lenders across all franchise lending on SBA lenders for franchises.
Stock Yards Bank & Trust Company made 399 of these loans under the SBA Express programme, median $100,000. Compare SBA Express lenders.
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
A different SBA 7(a) lender
SmartBiz is a separate company from Stock Yards Bank & Trust Company. An SBA 7(a) lender and marketplace for loans up to $500,000, plus bank term loans and custom financing. You apply on their site - we do not take applications and never see your information.
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Questions about Stock Yards Bank & Trust Company
- How many SBA loans has Stock Yards Bank & Trust Company approved?
- Stock Yards Bank & Trust Company has approved 798 SBA loans totalling $383,677,000 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #245 among all SBA lenders by dollars approved.
- What is the typical Stock Yards Bank & Trust Company SBA loan size?
- The median gross approval is $204,700, with the middle 80% of loans falling between $40,000 and $1,250,000. The national median across all SBA lenders is $180,000.
- What interest rate does Stock Yards Bank & Trust Company charge on SBA 7(a) loans?
- The median initial note rate on Stock Yards Bank & Trust Company's 7(a) approvals is 6.00%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
- What is Stock Yards Bank & Trust Company's SBA loan charge-off rate?
- 7.7% of its FY2010-FY2019 approvals that have reached a terminal status were charged off, against a national figure of 7.6%. A charge-off rate reflects the borrowers a lender chose to underwrite as much as anything else, and is not a measure of service quality.
Where to go from here
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