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South Central Bank, Inc.

Glasgow, KY · Cert 5854 · South Cntl Bancshares KY Inc.

State charter, non-member · FDIC · 27 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=311 to 317). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

30

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

71

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

South Central Bank, Inc.

Glasgow, KY · Cert 5854 · South Cntl Bancshares KY Inc.

State charter, non-member · FDIC · 27 branches

Q2 2026

$2.3BAssets
$1.8BLoans
$2.0BDeposits
$203.9MEquity
Loan mix
90%RE $1.5B9%C&I $0.2B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $1.6B21%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.26%Q2 ’245.44%Q2 ’255.51%Q2 ’26+4%+7%

Non-interest income vs. expense

2.35%Q2 ’242.26%Q2 ’252.22%Q2 ’260%-2%

Market Position · Bowling Green, KY · 2026 SOD (annual) · 7.1% share · #5 of 22 inst. · $0.3B of $4.8B

37.2% Barren
7.1% Warren
10.2% Hardin
9.0% Daviess

Executive Summary

  • Earnings: ROA of 1.41%, up 20 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.30% of loans (-4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.88%, down 5 bps from a year ago.
  • Funding: loans stand at 90.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+25 bps YoY

Efficiency Ratio (YTD, annualized)

53.06%-435 bps YoY

Tier 1 Leverage Ratio

9.88%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.25%1.25%1.36%1.41%+20 bps
Return on Equity13.69%13.95%13.86%14.78%15.37%+168 bps
Net Interest Margin3.33%3.41%3.45%3.63%3.58%+25 bps
Efficiency Ratio57.40%57.87%58.57%54.20%53.06%-435 bps
Non-Interest Burden1.65%1.69%1.75%1.70%1.61%-4 bps
Growth
Asset Growth (YoY)10.11%6.66%5.20%9.83%11.11%+100 bps
Loan Growth (YoY)9.91%8.94%9.13%13.69%11.90%+198 bps
Deposit Growth (YoY)7.83%8.95%2.70%7.81%14.06%+623 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.32%0.46%0.39%0.30%-4 bps
Net Charge-Offs / Loans0.03%0.02%0.02%-0.02%0.00%-3 bps
Allowance / Loans1.00%1.00%1.00%1.00%1.00%0 bps
Allowance Coverage of NPLs3.0x3.1x2.2x2.6x3.3x+0.3x
Capital
Tier 1 Leverage Ratio9.92%10.01%10.04%9.97%9.88%-5 bps
Total Risk-Based Capital12.80%12.89%13.10%13.05%13.12%+32 bps
Equity / Assets8.94%9.27%9.30%9.15%9.03%+10 bps
Liquidity & Funding
Loans / Deposits92.34%91.06%93.41%92.35%90.59%-175 bps
Liquid Assets / Assets5.44%3.47%4.21%4.28%6.15%+71 bps
CRE / Total Capitaln/a430%424%428%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

South Central Bank, Inc.

Glasgow, KY · Cert 5854 · Peer group: banks $1B-$10B in assets (n=311-317) · South Cntl Bancshares KY Inc.

State charter, non-member · FDIC · 27 branches

Q2 2026

$2.3BAssets
$1.8BLoans
$2.0BDeposits
$203.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 80% of banks $1B-$10B in assets (rank 63 of 317).
  • Widest gap: equity / assets trails 75% of banks $1B-$10B in assets (rank 239 of 317).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.35%

Rank 116 of 317

Net Interest Margin

3.58%

Rank 128 of 317

Efficiency Ratio

53.06%

Rank 93 of 317

Equity / Assets

9.03%

Rank 239 of 317

Non-interest income vs. expense

$13.6M$49.2MINCOMEEXPENSE
Unfavorable gap of $35.6M · efficiency ratio beats 71% of banks $1B-$10B in assets
Bank 53.06%Peer median 59.7%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.35%0.93%1.22%1.51%Beats 63%116 / 317
Return on Equity14.99%8.63%11.43%14.48%Beats 80%63 / 317
Net Interest Margin3.58%3.06%3.45%3.83%Beats 60%128 / 317
Efficiency Ratio53.06%51.90%59.69%67.53%Beats 71%93 / 317
Asset Quality
Nonperforming Loans / Loans0.30%0.24%0.51%1.14%Beats 69%97 / 311
Net Charge-Offs / Loans0.02%0.01%0.04%0.12%Beats 65%111 / 311
Capital
Tier 1 Capital Ratio12.08%11.75%13.15%15.30%Beats 32%215 / 317
Total Risk-Based Capital Ratio13.12%12.63%14.21%16.26%Beats 32%214 / 317
Equity / Assets9.03%9.06%10.32%11.95%Beats 25%239 / 317
Liquidity & Funding
Loans / Deposits90.59%76.63%88.04%95.67%58th pctl132 / 312
Loans / Assets78.98%65.41%74.05%79.71%70th pctl94 / 317
Brokered Deposits / Depositsn/aNot reported for this institution