Stock Yards Bank & Trust Co. isn’t out to be the biggest bank in Cincinnati, just the best.

“For a community bank like ours, it’s all about our locations and the people we have,” says Stephen Brown, Cincinnati division manager for the Louisville-based bank, which opened its first office here six years ago in the stately former Federal Reserve building at 101 W. Fourth St., downtown.

Since then, Stock Yards, owned by publicly traded S.Y. Bancorp, has added offices in Hyde Park and Madeira, and continues to look for more locations primarily along the Interstate 71 corridor, Brown says.

With three offices and $90.3 million in Cincinnati area deposits, less than 1 percent of the market, Stock Yards doesn’t have the size or reach of bigger banks like market-leader Fifth Third Bank with 134 area offices and $27.8 billion in deposits, based on the most recent Federal Deposit Insurance Corporation data.

But Stock Yards’ smaller size allows it to offer more flexibility and customer service, says Brown.

“As a smaller bank, it’s easier to get things accomplished for clients,” he says. “Big banks spend a lot of time trying to get rid of silos. We make sure no silos are built. We’re very entrepreneurial.”

Stock Yards is a full-service bank, offering everything from checking accounts to trust services, but it doesn’t advertise a lot. It relies instead on its bankers getting out in the community and meeting and talking to customers.

“It all starts with feet on the street,” says Brown. “We have well-established service standards for all our customers” that prevents them from becoming just another account number. The bank also supports a number of community activities from the Arthritis Foundation to the United Way.

Commercial lending is a primary focus for Stock Yards, which traces its roots back 110 years to a small bank that served businesses surrounding Louisville’s Bourbon Stock Yards.

“Our net loans have continued to grow over the last eight years. We never stopped lending even during the recession,” Brown says.

In the third quarter ending Sept. 30, the parent S.Y. Bancorp reported record new loans of $146 million helping fuel record earnings of $7.7 million, or 53 cents a share, up 15 percent from the prior year.

Wealth management is another key focus for Stock Yards.

The bank’s wealth management group has $2.2 billion in assets under management and ranks among the country’s top 100 trust companies in terms of revenue.

“Our wealth management business has grown phenomenally,” says Brown. He says that business expects a further boost from the Ohio Legacy Trust Act that took effect in 2013.

The law makes Ohio one of just 15 states nationally to adopt a new type of trust structure known as a “legacy trust,” which provides increased protection for high-net worth individuals from creditors trying to claim their trust assets.

“People are interested because it makes Ohio one of more progressive states for establishing trusts,” he says.