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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=313 to 319). 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

68

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 2026-10-11

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 $0.0BQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $1.6B21%Noninterest $0.4BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.17%1.16%1.21%1.25%1.25%1.36%1.41%+20 bps
Return on Equity13.10%13.52%13.31%13.69%13.95%13.86%14.78%15.37%+168 bps
Net Interest Margin3.19%3.16%3.26%3.33%3.41%3.45%3.63%3.58%+25 bps
Efficiency Ratio59.46%58.83%58.39%57.40%57.87%58.57%54.20%53.06%-435 bps
Non-Interest Burden1.61%1.58%1.66%1.65%1.69%1.75%1.70%1.61%-4 bps
Growth
Asset Growth (YoY)9.28%7.19%6.58%10.11%6.66%5.20%9.83%11.11%+100 bps
Loan Growth (YoY)9.65%8.38%7.79%9.91%8.94%9.13%13.69%11.90%+198 bps
Deposit Growth (YoY)6.91%5.89%6.55%7.83%8.95%2.70%7.81%14.06%+623 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.34%0.33%0.34%0.32%0.46%0.39%0.30%-4 bps
Net Charge-Offs / Loans0.02%0.02%0.06%0.03%0.02%0.02%-0.02%0.00%-3 bps
Allowance / Loans1.00%1.00%1.00%1.00%1.00%1.00%1.00%1.00%0 bps
Allowance Coverage of NPLs2.9x2.9x3.0x3.0x3.1x2.2x2.6x3.3x+0.3x
Capital
Tier 1 Leverage Ratio9.95%9.82%9.92%9.92%10.01%10.04%9.97%9.88%-5 bps
Total Risk-Based Capital12.61%12.83%12.95%12.80%12.89%13.10%13.05%13.12%+32 bps
Equity / Assets8.95%8.56%8.92%8.94%9.27%9.30%9.15%9.03%+10 bps
Liquidity & Funding
Loans / Deposits91.08%87.91%87.58%92.34%91.06%93.41%92.35%90.59%-175 bps
Liquid Assets / Assets4.78%5.28%6.03%5.44%3.47%4.21%4.28%6.15%+71 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

South Central Bank, Inc.

Glasgow, KY · Cert 5854 · Peer group: banks $1B-$10B in assets (n=313-319) · 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 65 of 319).
  • Widest gap: equity / assets trails 75% of banks $1B-$10B in assets (rank 240 of 319).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.35%

Rank 117 of 319

Net Interest Margin

3.58%

Rank 129 of 319

Efficiency Ratio

53.06%

Rank 94 of 319

Equity / Assets

9.03%

Rank 240 of 319

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 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.35%0.91%1.21%1.53%Beats 63%117 / 319
Return on Equity14.99%8.49%11.44%14.57%Beats 80%65 / 319
Net Interest Margin3.58%3.06%3.43%3.81%Beats 60%129 / 319
Efficiency Ratio53.06%51.90%59.57%67.64%Beats 71%94 / 319
Asset Quality
Nonperforming Loans / Loans0.30%0.25%0.54%1.18%Beats 70%94 / 313
Net Charge-Offs / Loans0.02%0.01%0.04%0.12%Beats 66%108 / 313
Capital
Tier 1 Capital Ratio12.08%11.74%12.99%15.28%Beats 32%217 / 319
Total Risk-Based Capital Ratio13.12%12.61%14.01%16.23%Beats 32%216 / 319
Equity / Assets9.03%9.03%10.33%12.01%Beats 25%240 / 319
Liquidity & Funding
Loans / Deposits90.59%76.76%88.16%95.43%58th pctl131 / 314
Loans / Assets78.98%65.79%74.05%79.84%70th pctl95 / 319
Brokered Deposits / Depositsn/aNot reported for this institution