SOUTH CENTRAL BANK, INC.

GLASGOW, KY | Large | Est. Jan. 1, 1908, midnight | FDIC #5854 | RSSD #473042 | FDIC
Latest Report: 2025-12-31

SOUTH CENTRAL BANK, INC. is aln large FDIC-insured commercial bank headquartered in GLASGOW, KY, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $2.1B and total deposits of $1.8B. Profitability stands at 1.26% ROA and 13.57% ROE, with a net interest margin of 4.09%. The bank's CET1 capital ratio is 12.09%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.46% and a Texas Ratio of 3.92%. FDIC Certificate #5854.

Assets

$2.1B

Deposits

$1.8B

Loans

$1.7B

Equity

$194M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 13.57%
Net Interest Margin (NIM) 4.09%
Yield on Assets 6.22%
Cost of Funds 2.75%

Asset Quality

NPL Ratio 0.46%
Net Charge-Off Ratio 0.02%
Texas Ratio 3.92%
NPA Ratio 0.40%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 12.09%
Tier 1 Capital 12.09%
Total Capital Ratio 13.10%
Leverage Ratio 10.04%
Loan-to-Deposit 93.41%

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