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Stock Yards Bank & Trust (SBA lending) vs Community Trust Bank (SBA lending)

Side by Side

AttributeStock Yards Bank & TrustCommunity Trust Bank
What It IsKentucky's champion desk in our file, ahead of every rival in the state: a 1904 Louisville bank and certified Preferred Lender whose 7(a) page names financing an acquisition or partner buyout among uses, publishes the no-balloon and no-prepayment-under-fifteen-years terms, and reaches Indianapolis and Cincinnati beyond its Kentucky base.The Pikeville bank the SBA has named Kentucky's top-volume 7(a) community bank lender seventeen years running, by its own annual releases, over 81 locations across eastern and central Kentucky, southern West Virginia, and northeastern Tennessee. The loans page names SBA and 7(a) among products and publishes nothing else; our file counts 45 change-of-ownership loans across its Kentucky and West Virginia seats.
CategorySBA & Acquisition LendersSBA & Acquisition Lenders
Pricing ModelCustom PricingCustom Pricing
What It CostsLoan products; no fee to engage. The page publishes program substance rather than rates: 7(a) to $5 million with acquisition and partner buyout named among uses, repayment from 10 to 25 years, no prepayment penalties under fifteen-year terms, fixed terms with no balloon notes, and Express alongside. Our FOIA computation places it first in Kentucky's change-of-ownership top-five with 51 loans across the file's six years, ahead of Community Trust's 40 and Live Oak's 27 in the state.Loan products; no fee to engage. The business-loans page lists SBA and 7(a) among its financing options and publishes no sizes, rates, down payments, or terms; the substance on its own site is the award streak, seventeen consecutive years as Kentucky's top-volume 7(a) community bank lender by SBA recognition, documented release by release in its newsroom. Our FOIA computation places it second in Kentucky with 40 change-of-ownership loans and fifth in West Virginia with 5 across the file's six years.
Best ForBuyers in Kentucky, southern Indiana, or the Cincinnati metro who want the state's most active acquisition desk with a century of local footingBuyers in eastern Kentucky, southern West Virginia, and northeastern Tennessee who want the region's most-practiced community SBA desk and expect to get every number by phone
Where It FitsSet Up & Fund the Search, Diligence & Close the DealSet Up & Fund the Search, Diligence & Close the Deal
Our VerdictThe Kentucky incumbent with real published substance behind the meeting: uses that name the deal you are doing and terms most desks keep for the sheet. The rates stay unpublished, so the published-terms quote still rides along.The relationship lane, Appalachian edition: seventeen straight years of the state's community-bank crown and not one number in writing. In its footprint it is the desk to call first; bring the published-terms desks' figures with you so the conversation starts somewhere.
Pros
  • Kentucky's leading change-of-ownership lender in our file, ahead of the national specialist inside the state
  • Acquisition and partner buyout named among 7(a) uses, with the no-balloon and no-prepay-under-15 terms in writing
  • A certified Preferred Lender, so delegated authority in its own words
  • Seventeen consecutive years as Kentucky's top-volume 7(a) community bank lender by SBA recognition, documented in its own annual releases
  • Second in Kentucky's change-of-ownership top five in our file, close behind the state's champion
  • The only reviewed desk rooted in Appalachian Kentucky, with 81 locations across its three-state footprint
Cons
  • No published rates; the page stops at program terms
  • A three-market footprint; a deal beyond Kentucky, Indianapolis, or Cincinnati is a different conversation
  • Branch-relationship banking rather than a built-for-remote process
  • Publishes nothing: no sizes, rates, down payments, or terms anywhere on the loans page
  • Business acquisition is never named as a use; the 7(a) appears as a product name in a list
  • The award is the community-bank cut of the state table; the state's biggest acquisition book belongs to a larger reviewed desk

Our take

Choose Stock Yards for terms on paper and the state's deepest acquisition book: a 1904 Louisville charter that out-writes the national specialist at home, with no balloons and no prepayment penalty under fifteen years stated before anyone calls you back.

Choose Community Trust east of the interstate: seventeen straight years as Kentucky's top-volume 7(a) community bank by SBA recognition, second in the state's acquisition table, and 81 offices across eastern Kentucky, southern West Virginia, and northeastern Tennessee where no other reviewed desk sits. Every number arrives by phone.

Put It to Work

Whichever side wins for you, Lender Match filters the verified lenders by your deal size and structure.