What is South Central Bank, Inc.'s financial health grade?

South Central Bank, Inc. has a TFS Financial Health Grade of C (score: 75.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does South Central Bank, Inc. have?

South Central Bank, Inc. has 27 branch locations across the United States.

Is South Central Bank, Inc. FDIC insured?

Yes, South Central Bank, Inc. is FDIC insured (Certificate #5854).

What are the total assets of South Central Bank, Inc.?

South Central Bank, Inc. has total assets of $2.1B as reported in its most recent FDIC filing.

South Central Bank, Inc.

BankGlasgow, Kentucky

www.southcentralbank.com

Total Assets

$2.1B

Total Deposits

$1.8B

Branches

Established

1908

TFS Health Grade

75.3 / 100

Average financial health

How we grade

South Central Bank, Inc. is a bank headquartered in Glasgow, Kentucky, established in 1908. With $2.1B in total assets and 26 branch locations, it has a TFS Financial Health Grade of C (75.3/100).

Capital & Safety

Tier 1 Capital Ratio

10.04%(8%)

Total Capital Ratio

13.10%(10%)

Non-Performing Loan Ratio

0.46%

Profitability

Return on Assets (ROA)

1.25%(1%)

Return on Equity (ROE)

13.86%(10%)

Net Interest Margin

3.70%

Efficiency Ratio

58.57%(60%)

Lending & Liquidity

Total Loans

$1.7B

Loan-to-Deposit Ratio

92.48%

Net Charge-Off Ratio

0.02%

Growth

Asset Growth (YoY)

+5.20%

Deposit Growth (YoY)

+2.70%

Net Income

$25.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
South Central Bank, Inc.HQ	208 S Broadway St	Glasgow	KY	11
South Central Bank, Inc.	805 Lehman Ave	Bowling Green	KY	11
South Central Bank, Inc.	1757 Campbell Ln	Bowling Green	KY	11
South Central Bank, Inc.	5251 Scottsville Rd	Bowling Green	KY	11
South Central Bank, Inc.	3505 Louisville Rd	Bowling Green	KY	11
South Central Bank, Inc.	2710 Nashville Rd	Bowling Green	KY	11
South Central Bank, Inc.	518 N Dixie Hwy	Cave City	KY	11
South Central Bank, Inc.	702 W Stockton St	Edmonton	KY	11
South Central Bank, Inc.	2908 Ring Rd	Elizabethtown	KY	11
South Central Bank, Inc.	1000 N Dixie Ave	Elizabethtown	KY	11
South Central Bank, Inc.	211 Main St	Fountain Run	KY	11
South Central Bank, Inc.	204 S Main St	Franklin	KY	11
South Central Bank, Inc.	615 Happy Valley Rd	Glasgow	KY	11
South Central Bank, Inc.	501 S L Rogers Wells Blvd	Glasgow	KY	13
South Central Bank, Inc.	165 Beaver Trl S	Glasgow	KY	11
South Central Bank, Inc.	115 Southland Dr	Lexington	KY	11
South Central Bank, Inc.	4910 Brownsboro Rd	Louisville	KY	11
South Central Bank, Inc.	2715 Frederica St	Owensboro	KY	11
South Central Bank, Inc.	1375 Carter Rd	Owensboro	KY	11
South Central Bank, Inc.	3010 Highway 54	Owensboro	KY	11
South Central Bank, Inc.	24127 Louisville Rd	Park City	KY	11
South Central Bank, Inc.	1118 W 9th St	Russellville	KY	11
South Central Bank, Inc.	414 E Main St	Scottsville	KY	11
South Central Bank, Inc.	3977 Robinson Way N	Somerset	KY	11
South Central Bank, Inc.	1748 Edmonton Rd	Tompkinsville	KY	11
South Central Bank, Inc.	320 N Main St	Tompkinsville	KY	11
South Central Bank, Inc.	1602 W Northfield Blvd	Murfreesboro	TN	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.