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
Unfavorable gap of $35.6M · efficiency ratio beats 71% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.91% | 1.21% | 1.53% | Beats 63% | 117 / 319 | | |
| Return on Equity | 14.99% | 8.49% | 11.44% | 14.57% | Beats 80% | 65 / 319 | | |
| Net Interest Margin | 3.58% | 3.06% | 3.43% | 3.81% | Beats 60% | 129 / 319 | | |
| Efficiency Ratio | 53.06% | 51.90% | 59.57% | 67.64% | Beats 71% | 94 / 319 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.25% | 0.54% | 1.18% | Beats 70% | 94 / 313 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.12% | Beats 66% | 108 / 313 | | |
| Capital |
| Tier 1 Capital Ratio | 12.08% | 11.74% | 12.99% | 15.28% | Beats 32% | 217 / 319 | | |
| Total Risk-Based Capital Ratio | 13.12% | 12.61% | 14.01% | 16.23% | Beats 32% | 216 / 319 | | |
| Equity / Assets | 9.03% | 9.03% | 10.33% | 12.01% | Beats 25% | 240 / 319 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.59% | 76.76% | 88.16% | 95.43% | 58th pctl | 131 / 314 | | |
| Loans / Assets | 78.98% | 65.79% | 74.05% | 79.84% | 70th pctl | 95 / 319 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |