South Central Bank, Inc. (FDIC certificate #5854) is based in Glasgow, Kentucky. Its Q2 2026 call report shows $2.3B in total assets and $2.0B in deposits and 27 offices across 2 states.
Based on its Q2 2026 filing, South Central Bank, Inc. scores 72/100, which we describe as strong. That is higher than 66% of 897 banks with $1 billion – $10 billion. Among 120 banks headquartered in Kentucky, it ranks 64th. Its strongest component is problem-loan coverage (95/100; 2.6%), and its lowest is capital cushion (49/100; 9.88%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (69 → 72), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 70 |
| Q4 2024 | 70 |
| Q1 2025 | 70 |
| Q2 2025 | 69 |
| Q3 2025 | 70 |
| Q4 2025 | 68 |
| Q1 2026 | 70 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.93% |
| Q3 2024 | 9.95% |
| Q4 2024 | 9.82% |
| Q1 2025 | 9.92% |
| Q2 2025 | 9.92% |
| Q3 2025 | 10.01% |
| Q4 2025 | 10.04% |
| Q1 2026 | 9.97% |
| Q2 2026 | 9.88% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.34% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.34% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.39% |
| Q2 2026 | 0.30% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.13% |
| Q3 2024 | 1.14% |
| Q4 2024 | 1.17% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.21% |
| Q3 2025 | 1.25% |
| Q4 2025 | 1.25% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $2.3B | 9.88% | 0.30% | 1.41% | 89.7% |
| Q1 2026 | 70 | $2.2B | 9.97% | 0.39% | 1.36% | 91.4% |
| Q4 2025 | 68 | $2.1B | 10.04% | 0.46% | 1.25% | 92.5% |
| Q3 2025 | 70 | $2.0B | 10.01% | 0.32% | 1.25% | 90.2% |
| Q2 2025 | 69 | $2.0B | 9.92% | 0.34% | 1.21% | 91.4% |
| Q1 2025 | 70 | $2.0B | 9.92% | 0.33% | 1.16% | 86.7% |
| Q4 2024 | 70 | $2.0B | 9.82% | 0.34% | 1.17% | 87.0% |
| Q3 2024 | 70 | $1.9B | 9.95% | 0.34% | 1.14% | 90.2% |
| Q2 2024 | 69 | $1.8B | 9.93% | 0.39% | 1.13% | 89.7% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Traditional Bank, Inc.Bank Mount Sterling, KY | 73 out of 100, Strong | $2.4B | 10.6% | 0.25% | vs |
| Heritage Bank, Inc.Bank Burlington, KY | 65 out of 100, Moderate | $2.0B | 9.0% | 0.47% | vs |
| Planters Bank, Inc.Bank Hopkinsville, KY | 77 out of 100, Strong | $2.0B | 12.4% | 0.11% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Forcht Bank, National AssociationBank Lexington, KY | 66 out of 100, Moderate | $1.6B | 8.2% | 0.05% | vs |
| The Cecilian BankBank Cecilia, KY | 77 out of 100, Strong | $1.6B | 11.0% | 0.40% | vs |
Deposit insurance
Is my money safe at South Central Bank, Inc.?
Yes. South Central Bank, Inc. is an FDIC-insured institution (FDIC certificate #5854). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.1% of deposits ($395.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.88%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.12% (benchmark: 10%).
27 locations
Branches
South Central Bank, Inc. lists 26 offices in 16 cities across 2 states. Most locations:
- Bowling Green, KY (5)
- Glasgow, KY (3)
- Owensboro, KY (3)
- Elizabethtown, KY (2)
- Tompkinsville, KY (2)
- Cave City, KY (1)
- Edmonton, KY (1)
- Fountain Run, KY (1)
- Franklin, KY (1)
- Lexington, KY (1)
- Louisville, KY (1)
- Murfreesboro, TN (1)
HMDA 2025
Mortgage lending
In 2025, South Central Bank, Inc. reported 1,839 home-loan applications under HMDA (LEI 549300LPT41QBMAC7948): 1,430 originated ($289,320,000 total), 123 denied, and 201 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- South Central Bank, Inc.
- Former names
- Park City State Bank; South Central Bank of Barren County, Inc.
- Type
- State-chartered bank
- FDIC certificate #
- 5854
- RSSD ID
- 473042
- Primary regulator
- FDIC
- Holding company
- South Cntl Bancshares Ky Inc
- Established
- January 1, 1908
- Headquarters
- 208 S Broadway St, Glasgow, KY 42141
- Website
- www.southcentralbank.com
- Employees
- 303
Quick answers
South Central Bank, Inc.: common questions
Is South Central Bank, Inc. FDIC insured?
Yes. South Central Bank, Inc. is an FDIC-insured institution (FDIC certificate #5854). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is South Central Bank, Inc.'s TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has South Central Bank, Inc. ever failed?
There is no failure record for FDIC certificate #5854 in the FDIC failed bank list.
How many branches does South Central Bank, Inc. have?
27 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Glasgow
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hart County Bank and Trust CompanyBank Munfordville, KY | 93 out of 100, Very strong | $24.1M | 34.3% | 0.00% | vs |
| Edmonton State BankBank Glasgow, KY | 82 out of 100, Strong | $1.2B | 11.5% | 0.32% | vs |
| The Cecilian BankBank Cecilia, KY | 77 out of 100, Strong | $1.6B | 11.0% | 0.40% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |
| The Peoples BankBank Marion, KY | 73 out of 100, Strong | $135.3M | 11.6% | 0.23% | vs |
| The Monticello Banking CompanyBank Monticello, KY | 71 out of 100, Strong | $1.1B | 10.2% | 0.11% | vs |