South Central Bank, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 70.8% lower than in Q1 2026, at $1.7M. South Central Bank, Inc. ranks 36th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 90.59% (Q2 2026). At 90.59%, South Central Bank, Inc.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.78B |
| Net loans and leases | $1.77B |
| Loans held for sale | $1.7M |
| Loans to total assets | 78.98% |
| Loan-to-deposit ratio | 90.59% |
| Net loans to equity capital | 8.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.36% |
| Multifamily (5+ residential) | 6.60% |
| Commercial and industrial | 8.87% |
| Consumer | 1.22% |
| Credit cards | 0.00% |
| Farm | 8.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 285.44% |
| Construction concentration (Tier 1 capital + allowance) | 72.04% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.41% |
| Interest income on loans | $28.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.38B | $1.55B | 36.80% | 8.45% | 1.58% |
| Q4 2023 | $1.41B | $1.65B | 35.73% | 9.00% | 1.53% |
| Q1 2024 | $1.42B | $1.64B | 35.92% | 9.18% | 1.48% |
| Q2 2024 | $1.45B | $1.60B | 36.20% | 9.16% | 1.42% |
| Q3 2024 | $1.51B | $1.66B | 36.93% | 9.17% | 1.34% |
| Q4 2024 | $1.53B | $1.74B | 36.85% | 9.20% | 1.27% |
| Q1 2025 | $1.53B | $1.75B | 36.94% | 8.84% | 1.28% |
| Q2 2025 | $1.59B | $1.73B | 36.57% | 8.95% | 1.18% |
| Q3 2025 | $1.65B | $1.81B | 36.71% | 7.93% | 1.08% |
| Q4 2025 | $1.67B | $1.79B | 37.20% | 8.39% | 1.10% |
| Q1 2026 | $1.74B | $1.88B | 36.52% | 9.03% | 1.27% |
| Q2 2026 | $1.78B | $1.97B | 35.36% | 8.87% | 1.22% |
South Central Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock South Central Bank, Inc., freeSource: Call Report Schedule RC-C, 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)