South Central Bank, Inc.
Glasgow, KY · Cert 5854 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 81% of banks $1B-$10B in assets (rank 63 of 328).
- Widest gap: equity / assets trails 77% of banks $1B-$10B in assets (rank 252 of 328).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.35%
Rank 120 of 328
Net Interest Margin
3.58%
Rank 133 of 328
Efficiency Ratio
53.06%
Rank 103 of 328
Equity / Assets
9.03%
Rank 252 of 328
Non-interest income vs. expense
Unfavorable gap of $35.6M · efficiency ratio beats 69% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.91% | 1.22% | 1.52% | Beats 63% | 120 / 328 | |
| Return on Equity | 14.99% | 8.43% | 11.45% | 14.43% | Beats 81% | 63 / 328 | |
| Net Interest Margin | 3.58% | 3.03% | 3.45% | 3.83% | Beats 59% | 133 / 328 | |
| Efficiency Ratio | 53.06% | 51.61% | 59.56% | 67.53% | Beats 69% | 103 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.24% | 0.51% | 1.03% | Beats 68% | 103 / 322 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 64% | 118 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.08% | 11.75% | 13.15% | 15.47% | Beats 32% | 222 / 328 | |
| Total Risk-Based Capital Ratio | 13.12% | 12.63% | 14.15% | 16.46% | Beats 32% | 223 / 328 | |
| Equity / Assets | 9.03% | 9.15% | 10.33% | 12.01% | Beats 23% | 252 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 90.59% | 76.63% | 87.92% | 95.36% | 59th pctl | 133 / 323 | |
| Loans / Assets | 78.98% | 65.18% | 74.15% | 79.98% | 70th pctl | 98 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |