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This institution is no longer active

Operations ceased on May 29, 1998. CRA examination history below reflects the period it was active.

STOCK YARDS BANK & TRUST COMPANY

AUSTIN, IN · Supervised by FDIC

Est. 1909FDIC #21,645RSSD: FDIC-21645
Part ofSTOCK YARDS BCORP INC→ View all charters
Needs to Improve Down

Current rating · Exam: January 1998

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Needs Attention

ROA -0.28%

Institution Profile

FDIC BankFind

Address

55 South Highway 31, AUSTIN, IN

County

Scott County

Established

May 1, 1909

Total Assets

$26M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

January 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 1998Call Report / FDIC

Total Assets

$26M

Total Deposits

$23M

Net Loans

$5M

Net Income

$-16K

ROA

-0.28%

ROE

-2.28%

Risk-Based Capital

23.38%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate21.44%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243,42365.88%21.44%
20233,47765.08%21.83%
20223,95764.97%19.38%
20213,22168.86%14.75%
20203,00275.18%12.16%
20192,16266.1%18.41%
20181,83967.54%16.64%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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