South Central Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks South Central Bank, Inc. of Glasgow, KY against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.45% | 1.46% | -0.01% | 63rd above |
| ROAE | 15.96% | 12.69% | +3.27% | 76th top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.72% | 3.85% | -0.13% | 51st above |
| Efficiency Ratio | 51.90% | 57.41% | -5.51% | 70th above |
| PPNR / Avg Assets | 2.08% | 1.88% | +0.20% | 73rd above |
| Yield on Earning Assets | 5.78% | 5.72% | +0.06% | 65th above |
| Cost of Funds | 2.26% | 2.02% | +0.24% | 33rd below |
| Net Interest Spread | 2.92% | 3.18% | -0.26% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.95% | 1.00% | -0.05% | 34th below |
| NPA / Total Assets | 0.76% | 0.76% | +0.00% | 34th below |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 53rd above |
| ACL / Total Loans | 1.00% | 1.31% | -0.31% | 30th below |
| ACL / NPLs (Coverage) | 105.82% | 564.77% | -458.95% | 32nd below |
| Texas Ratio | 7.91% | 7.39% | +0.52% | 31st below |
| Provision / NCO | 3581.25% | 615.48% | +2965.77% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.08% | 17.34% | -5.26% | 27th below |
| Tier 1 Ratio | 12.08% | 17.37% | -5.29% | 26th below |
| Total Capital Ratio | 13.12% | 18.42% | -5.30% | 25th below |
| Leverage Ratio | 9.88% | 11.44% | -1.56% | 33rd below |
| Equity / Assets | 9.03% | 11.34% | -2.31% | 22nd bottom |
| TCE / Tangible Assets | 8.87% | 10.50% | -1.63% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.59% | 86.95% | +3.64% | 43rd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.31% | 85.55% | +0.76% | 38th below |
| Uninsured Deposit Ratio | 20.10% | 33.14% | -13.04% | 83rd top |
| Wholesale Funding Ratio | 2.58% | 5.70% | -3.12% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.11% | 9.68% | +1.43% | 80th top |
| Loan Growth (Y/Y) | 11.90% | 8.06% | +3.84% | 78th top |
| Deposit Growth (Y/Y) | 14.06% | 7.87% | +6.19% | 85th top |
See South Central Bank, Inc.'s peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock South Central Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full South Central Bank, Inc. profile, how to read a UBPR, or how this data updates.