Side-by-side · Q2 2026 data
South Central Bank, Inc. vs Independence Bank of Kentucky
Metric by metric
| Measure | South Central Bank, Inc. | Independence Bank of Kentucky |
|---|---|---|
| TellerScore | 72 (stronger) | 69 |
| Capital cushion | 49 (stronger) | 44 |
| Loan quality | 90 | 96 (stronger) |
| Earnings | 76 (stronger) | 65 |
| Funding & liquidity | 65 (stronger) | 61 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 66th | 53rd |
| Total assets | $2.3B | $3.8B |
| Deposits / shares | $2.0B | $3.0B |
| Capital ratio | 9.88% (stronger) | 9.35% |
| Problem loans | 0.30% | 0.12% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.41% (stronger) | 1.12% |
| Loans ÷ deposits | 89.7% | 69.8% (stronger) |
| Uninsured deposits | 20.1% (stronger) | 41.2% |
| Offices | 26 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | — |
South Central Bank, Inc. has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), South Central Bank, Inc. leads on 4 and Independence Bank of Kentucky on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.