South Central Bank, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Core deposits to total deposits: 1.81 percentage points lower than in Q1 2026, at 86.31%. Within Kentucky, South Central Bank, Inc. is 50th of 119 on return on assets, 1.45% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. South Central Bank, Inc. sits 0.17 points higher, at 1.45% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.08% |
| Tier 1 risk-based capital ratio | 12.08% |
| Total risk-based capital ratio | 13.12% |
| Tier 1 leverage ratio | 9.88% |
| Equity capital to assets | 9.03% |
| Tangible equity to tangible assets | 8.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.95% |
| Non-performing assets ratio | 0.76% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 7.91% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 105.82% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.45% |
| Return on equity | 15.96% |
| Net interest margin | 3.72% |
| Efficiency ratio | 51.90% |
| Yield on earning assets | 5.78% |
| Cost of funds | 2.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.59% |
| Core deposits to total deposits | 86.31% |
| Brokered deposits to total deposits | 4.60% |
| Deposits to assets | 87.18% |
| Securities to assets | 11.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.48% | 11.48% | 12.48% | 9.66% | 1.09% |
| Q4 2023 | 11.63% | 11.63% | 12.61% | 9.63% | 1.15% |
| Q1 2024 | 11.74% | 11.74% | 12.72% | 9.70% | 1.09% |
| Q2 2024 | 11.84% | 11.84% | 12.83% | 9.93% | 1.17% |
| Q3 2024 | 11.62% | 11.62% | 12.61% | 9.95% | 1.15% |
| Q4 2024 | 11.84% | 11.84% | 12.83% | 9.82% | 1.28% |
| Q1 2025 | 11.97% | 11.97% | 12.95% | 9.92% | 1.17% |
| Q2 2025 | 11.82% | 11.82% | 12.80% | 9.92% | 1.25% |
| Q3 2025 | 11.89% | 11.89% | 12.89% | 10.01% | 1.32% |
| Q4 2025 | 12.09% | 12.09% | 13.10% | 10.04% | 1.25% |
| Q1 2026 | 12.03% | 12.03% | 13.05% | 9.97% | 1.36% |
| Q2 2026 | 12.08% | 12.08% | 13.12% | 9.88% | 1.45% |
South Central Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock South Central Bank, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)