South Central Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
South Central Bank, Inc. is an FDIC-insured commercial bank headquartered in Glasgow, KY, established in 1908 (FDIC certificate 5854), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.26B, up 11.1% from Q2 2025, the 7th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 12.08% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5854
- Headquarters
- Glasgow, KY
- Established
- 1908
- Total assets, Q2 2026
- $2.26B
- Assets vs Q2 2025
- +11.1%
- CET1 ratio, Q2 2026
- 12.08%
- Domestic offices
- 27 FDIC institution directory, current count
- Routing number
- 083905012
- Latest call report
- Q2 2026, FFIEC 051 · South Central Bank, Inc. call report
- Holding company
- SOUTH CENTRAL BANCSHARES OF KENTUCKY, INC.
- Asset rank in state
- 7th of 120 in Kentucky
South Central Bank, Inc., based in Glasgow, Kentucky, reported $2.3 billion in assets at June 30, 2026, up 11.1% from a year earlier. It holds about a fifth of its deposits (20%) above the FDIC insurance limit, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also grew deposits 14.1% over the year, about triple the median of 5.1% for banks its size.
Net income for the quarter rose 28% from a year earlier, to $8.0 million.
As of June 30, 2026, South Central Bank, Inc. reported a CET1 capital ratio of 12.08%, a return on assets of 1.45%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 2.65%. The figures come from its call report filed with the FFIEC.
South Central Bank, Inc. ranks as the 7th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.2% to $2.26B, loans rose 2.4% and deposits rose 4.4%. 1-4 family residential loans made up 29.0% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.7%. Its 27 offices in the FDIC Summary of Deposits are in 16 cities across 2 states; its Glasgow 4 offices book 19% of its branch deposits. By the capital ratios in its Q2 2026 call report, South Central Bank, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 208 S Broadway St, Glasgow, KY 42141
- County
- Barren
- Metro Area
- Glasgow, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1908
- Former names
- South Central Bank of Barren County, Inc. (1989-2009)
- Domestic offices
- 27 FDIC institution directory, current count
- Employees (FTE)
- 303
- Domestic deposits
- $1.97B
- Allowance for credit losses
- $17.8M
- Net charge-offs (YTD)
- $32K
- Average total assets
- $2.22B
- Average total loans
- $1.77B
- Average interest-bearing deposits
- $1.52B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5854
- Fed RSSD
- 473042
- Website
- www.southcentralbank.com →
- Parent Holding Company
- SOUTH CENTRAL BANCSHARES OF KENTUCKY, INC. (RSSD 2810285)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, South Central Bank, Inc.'s total assets ranged from $1.75B (Q3 2023) to $2.26B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.26B total assets against $2.03B; $2.05B total liabilities against $1.85B.
$1.77B net loans and leases against $1.58B; $1.97B total deposits against $1.73B.
$255.9M securities against $245.9M; $159.7M cash and balances due against $135.8M.
$31.5M total interest income against $28.0M; $11.2M total interest expense against $10.6M.
$20.2M net interest income against $17.3M.
$3.8M total noninterest income against $3.3M; $12.5M total noninterest expense against $11.6M.
$852K provision for credit losses against $637K.
$8.0M net income against $6.3M.
1.45% return on assets against 1.25%; 3.72% net interest margin against 3.57%.
12.08% CET1 capital ratio against 11.82%; 9.88% tier 1 leverage ratio against 9.92%.
Inside the full South Central Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
South Central Bank, Inc. rankings
Its closest position to the top of a national ranking is 541 of 4,196, for total assets; its furthest is 813 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.15% (Q3 2024) to 1.45% (Q2 2026) and its net interest margin ran from 3.36% (Q3 2024) to 3.85% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.08% | 1.45% | 0.30% | 2.65% | 3.72% |
| Q1 2026 | 12.03% | 1.36% | 0.39% | 3.43% | 3.73% |
| Q4 2025 | 12.09% | 1.25% | 0.46% | 4.00% | 3.85% |
| Q3 2025 | 11.89% | 1.32% | 0.32% | 2.88% | 3.79% |
| Q2 2025 | 11.82% | 1.25% | 0.34% | 3.02% | 3.57% |
| Q1 2025 | 11.97% | 1.17% | 0.33% | 2.99% | 3.36% |
| Q4 2024 | 11.84% | 1.28% | 0.34% | 2.90% | 3.49% |
| Q3 2024 | 11.62% | 1.15% | 0.34% | 2.81% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
View all 27 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| South Central Bank, Inc. (main office) | Glasgow , KY | 42141 | $311.8M |
| South Central Bank of Monroe County Branch | Tompkinsville , KY | 42167 | $191.2M |
| Dixie Hwy Branch | Elizabethtown , KY | 42701 | $182.1M |
| Campbell Lane Branch | Bowling Green , KY | 42104 | $136.9M |
| Highway 54 Branch | Owensboro , KY | 42303 | $127.1M |
| Brownsboro Rd Branch | Louisville , KY | 40222 | $120.2M |
| Lexington - Southland Branch | Lexington , KY | 40503 | $107.8M |
| South Central Bank of Hardin County, Inc | Elizabethtown , KY | 42701 | $91.5M |
| Russellville Branch | Russellville , KY | 42276 | $83.7M |
| Frederica Street Branch | Owensboro , KY | 42301 | $79.1M |
| Carter Road Branch | Owensboro , KY | 42301 | $66.4M |
| Lehman Avenue Branch | Bowling Green , KY | 42101 | $65.2M |
| Scottsville Branch | Scottsville , KY | 42164 | $62.9M |
| Edmonton Road Branch | Tompkinsville , KY | 42167 | $44.7M |
| Happy Valley Branch | Glasgow , KY | 42141 | $40.3M |
| Louisville Road Branch | Bowling Green , KY | 42101 | $39.1M |
| Cave City Branch | Cave City , KY | 42127 | $36.0M |
| Franklin Branch | Franklin , KY | 42134 | $35.1M |
| Greenwood Branch | Bowling Green , KY | 42104 | $32.2M |
| Murfreesboro Branch | Murfreesboro , TN | 37129 | $21.6M |
| Edmonton Branch | Edmonton , KY | 42129 | $20.4M |
| Somerset Branch | Somerset , KY | 42503 | $19.8M |
| Beaver Trail Office Branch | Glasgow , KY | 42141 | $16.9M |
| Fountain Run Branch | Fountain Run , KY | 42133 | $14.9M |
| Park City Branch | Park City , KY | 42160 | $8.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 11, 2017 | Structure Change | Acquired Kentucky Neighborhood Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 10, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2015 | Structure Change | Acquired South Central Bank of Monroe County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.6% of deposits in KY, rank 13 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,850 applications, 1,428 loans originated, $288.9M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $4.5M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about South Central Bank, Inc.
What are South Central Bank, Inc.'s total assets?
As of the Q2 2026 filing, South Central Bank, Inc. reported total assets of $2.26 billion in its FFIEC call report.
Where is South Central Bank, Inc. headquartered?
It is headquartered in Glasgow, KY, United States.
When was South Central Bank, Inc. founded?
It was established in 1908, per the FDIC institution directory.
Is South Central Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5854). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates South Central Bank, Inc.?
South Central Bank, Inc.'s primary federal regulator is the FDIC.
What is South Central Bank, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.08% in its Q2 2026 call report, above regulatory requirements.
How many branches does South Central Bank, Inc. operate?
It operates 27 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is South Central Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 2.65% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was South Central Bank, Inc. previously called?
The charter now named South Central Bank, Inc. has also operated as South Central Bank of Barren County, Inc. (1989-2009), per FDIC structure-change records.
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