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South Central Bank, Inc.
Glasgow, KY · FDIC Certificate #5854 · Chartered 01/0
Total assets
$2.26B
Total deposits
$1.97B
Total equity
$203.95M
Net loans
$1.77B
Branches (offices)
27
Net income (YTD)
$15.28M
Rank: #549 of 4,213 U.S. banks by assets · #7 of 120 in Kentucky. Assets changed 11.1% and deposits 14.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.41% |
| Return on equity | 15.37% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 9.03% |
| Tier 1 leverage ratio | 9.88% |
| Uninsured deposits (share of deposits) | 20.1% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 89.7% |
| Real estate loans (share of loans) | 89.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.58B | 89.5% | |
| Commercial & industrial | $158.13M | 9.0% | |
| Consumer / individual | $21.71M | 1.2% | |
| Construction & development | $170.35M | 9.7% | |
| Agricultural | $18.56M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.61B | $1.42B | $8.83M | $138.74M |
| Jun 2023 | $1.74B | $1.54B | $9.98M | $146.55M |
| Jun 2024 | $1.85B | $1.60B | $10.49M | $162.20M |
| Jun 2025 | $2.03B | $1.73B | $12.04M | $181.57M |
| Jun 2026 | $2.26B | $1.97B | $15.28M | $203.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $1.95B | 26 |
| Tennessee | $21.58M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.97B.
Similar-sized banks
Crystal Lake Bank And Trust Company, National Association ($2.26B) · Waterstone Bank, SSB ($2.25B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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