Stock Yards Bancorp, Inc., with $2.4 billion in assets, was incorporated in 1988 as a bank holding company. It is the parent company of Stock Yards Bank & Trust Company, which was established in 1904 in Louisville, Kentucky, and now has offices in the Louisville, Indianapolis and Cincinnati metropolitan markets.
In addition to its banking operations, Stock Yards Bank & Trust Company offers a broad array of other financial services, including those of its Wealth Management Group, which provides investment management and trust services. With assets under management recently topping $2.3 billion and with continued strong growth in account openings, the Wealth Management Group ranks among the country's top 100 trust companies in terms of revenue. The bank also offers private banking and brokerage services. In addition, its mortgage company offers conventional, VA and FHA financing, as well as a program for low-income first-time homebuyers. The bank sells these residential mortgage loans, originated for both the purchase and refinancing of homes, into the secondary market.
Stock Yards Bancorp consistently ranks among the strongest, fastest-growing community banks in the country, as measured by earnings growth and its high returns on equity and assets. The Company has been recognized by U.S. Banker on several occasions as one of the top-performing community banks in the nation. For its performance last year, S.Y. Bancorp also was named to the 2013 KBW Bank Honor Roll - the tenth consecutive year for this achievement - and the 2013 Raymond James Community Bankers Cup. The Bank Director also recently named the Company to its "Nifty Fifty" list as being one of the 50 best users of capital, based on both profitability and capital strength.
* Accounts will be charged the standard Overdraft fee of $33 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $33 for items returned. If your account is overdrawn for 11 or more consecutive business days, we will charge an additional $5 per day, beginning on the twelfth day. An overdrawn balance must be repaid within 30 days. We may not pay items under your overdraft privilege if you do not maintain your account in good standing by bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours, if you default on any loan or other obligation to Stock Yards Bank & Trust or if your account is subject to any legal or administrative order or levy.