Glasgow, KY · Cert 5854 · South Cntl Bancshares KY Inc.
State charter, non-member · FDIC · 27 branches
Q2 2026
Market Position · Bowling Green, KY · 2026 SOD (annual) · 7.1% share · #5 of 22 inst. · $0.3B of $4.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.17% | 1.16% | 1.21% | 1.25% | 1.25% | 1.36% | 1.41% | +20 bps | |
| Return on Equity | 13.10% | 13.52% | 13.31% | 13.69% | 13.95% | 13.86% | 14.78% | 15.37% | +168 bps | |
| Net Interest Margin | 3.19% | 3.16% | 3.26% | 3.33% | 3.41% | 3.45% | 3.63% | 3.58% | +25 bps | |
| Efficiency Ratio | 59.46% | 58.83% | 58.39% | 57.40% | 57.87% | 58.57% | 54.20% | 53.06% | -435 bps | |
| Non-Interest Burden | 1.61% | 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 / Loans | 0.34% | 0.34% | 0.33% | 0.34% | 0.32% | 0.46% | 0.39% | 0.30% | -4 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.06% | 0.03% | 0.02% | 0.02% | -0.02% | 0.00% | -3 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 0 bps | |
| Allowance Coverage of NPLs | 2.9x | 2.9x | 3.0x | 3.0x | 3.1x | 2.2x | 2.6x | 3.3x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.95% | 9.82% | 9.92% | 9.92% | 10.01% | 10.04% | 9.97% | 9.88% | -5 bps | |
| Total Risk-Based Capital | 12.61% | 12.83% | 12.95% | 12.80% | 12.89% | 13.10% | 13.05% | 13.12% | +32 bps | |
| Equity / Assets | 8.95% | 8.56% | 8.92% | 8.94% | 9.27% | 9.30% | 9.15% | 9.03% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.08% | 87.91% | 87.58% | 92.34% | 91.06% | 93.41% | 92.35% | 90.59% | -175 bps | |
| Liquid Assets / Assets | 4.78% | 5.28% | 6.03% | 5.44% | 3.47% | 4.21% | 4.28% | 6.15% | +71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 430% | 424% | 428% | n/a | n/a | |