South Central Bank, Inc.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
South Central Bank, Inc. is a community bank chartered in 1908, based in Glasgow, KY. The Q2 2026 balance sheet stands at $2.3B in assets, including $1.8B in loans. Capital is comfortably above regulatory requirements, CET1 ratio of 12.08% sits well above the 7% level required once the capital conservation buffer is included. The bank posts a strong 1.45% ROA and 15.96% ROE. Credit metrics are in line with industry norms, 0.95% NPL ratio. South Central Bank, Inc operates a 27-branch network.
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 0.95%, a Texas ratio of 7.91%, per financial data filed with the FFIEC.
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)
- Offices
- 27 domestic
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full South Central Bank, Inc. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock South Central Bank, Inc., 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.08% | 1.45% | 0.95% | 7.91% | 3.72% |
| Q1 2026 | 12.03% | 1.36% | 0.96% | 8.12% | 3.73% |
| Q4 2025 | 12.09% | 1.25% | 1.06% | 8.80% | 3.85% |
| Q3 2025 | 11.89% | 1.32% | 0.95% | 8.03% | 3.79% |
| Q2 2025 | 11.82% | 1.25% | 1.10% | 9.34% | 3.57% |
| Q1 2025 | 11.97% | 1.17% | 1.18% | 9.92% | 3.36% |
| Q4 2024 | 11.84% | 1.28% | 1.20% | 10.14% | 3.49% |
| Q3 2024 | 11.62% | 1.15% | 0.92% | 7.66% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 27 branches →
| 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
What the public regulatory sources show for South Central Bank, Inc., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is South Central Bank, Inc. headquartered?
South Central Bank, Inc. is headquartered in Glasgow, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was South Central Bank, Inc. founded?
South Central Bank, Inc. was established in 1908, per the FDIC institution directory.
Is South Central Bank, Inc. FDIC-insured?
Yes. South Central Bank, Inc. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is South Central Bank, Inc.'s CET1 capital ratio?
South Central Bank, Inc. 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?
South Central Bank, Inc. 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?
South Central Bank, Inc.'s Texas Ratio is 7.91% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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