South Central Bank, Inc.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Retained earnings rose 3.5% in Q2 2026 to $171.2M, the biggest move on this page. South Central Bank, Inc. ranks 57th of 69 Kentucky banks on CET1 ratio, in the lower half at 12.08% (Q2 2026). South Central Bank, Inc. reported 12.08% on CET1 ratio for Q2 2026, 1.40 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.08% |
| Tier 1 risk-based capital ratio | 12.08% |
| Total risk-based capital ratio | 13.12% |
| Tier 1 leverage ratio | 9.88% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $218.6M |
| Tier 1 capital | $218.6M |
| Total risk-based capital | $237.4M |
| Total equity capital | $203.9M |
| Risk-weighted assets | $1.81B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.03% |
| Tangible equity to tangible assets | 8.87% |
| Equity capital to average assets | 9.19% |
| Internal capital growth rate | 11.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.6M |
| Common stock surplus | $44.0M |
| Retained earnings | $171.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.48% | 11.48% | 12.48% | 9.66% | $1.49B |
| Q4 2023 | 11.63% | 11.63% | 12.61% | 9.63% | $1.52B |
| Q1 2024 | 11.74% | 11.74% | 12.72% | 9.70% | $1.53B |
| Q2 2024 | 11.84% | 11.84% | 12.83% | 9.93% | $1.55B |
| Q3 2024 | 11.62% | 11.62% | 12.61% | 9.95% | $1.60B |
| Q4 2024 | 11.84% | 11.84% | 12.83% | 9.82% | $1.61B |
| Q1 2025 | 11.97% | 11.97% | 12.95% | 9.92% | $1.62B |
| Q2 2025 | 11.82% | 11.82% | 12.80% | 9.92% | $1.68B |
| Q3 2025 | 11.89% | 11.89% | 12.89% | 10.01% | $1.71B |
| Q4 2025 | 12.09% | 12.09% | 13.10% | 10.04% | $1.72B |
| Q1 2026 | 12.03% | 12.03% | 13.05% | 9.97% | $1.77B |
| Q2 2026 | 12.08% | 12.08% | 13.12% | 9.88% | $1.81B |
South Central Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock South Central Bank, Inc., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full South Central Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5854) · FFIEC NIC profile (RSSD 473042)