$1.74B
+13.7%y/y
Percentile by value84th percentileby value
FDIC
LNLSGRSC
South Central Bank, Inc.
Glasgow, KentuckyFDIC Cert #5854
STATEEstablished 190827 branches
Holding company: SOUTH CNTL BANCSHARES KY INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $253M |
| Investor CRE | $383M |
| Multifamily | $104M |
| Construction | $171M |
| 1–4 family | $491M |
| C&I | $157M |
| Agriculture | $155M |
| Other | $26.1M |
Loan book
Reported balances and balance-sheet intensity.
$1.72B
+13.7%y/y
Percentile by value83rd percentileby value
FDIC
LNLSNET+13.69%
+75.7%y/y
Percentile by value80th percentileby value
FDIC
LNLSNET91.4%
+5.5%y/y
Percentile by value72nd percentileby value
FDIC
LNLSNET + DEP79.5%
+3.5%y/y
Percentile by value80th percentileby value
FDIC
LNLSNET + ASSET96.79%
+0.2%y/y
Percentile by value90th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
285%
−1.7%y/y
Percentile by value76th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC74%
+7.9%y/y
Percentile by value75th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,838points
−2.3%y/y
Peer standing63rd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD14.54%
+18.7%y/y
Percentile by value60th percentileby value
FDIC
LNRENROW + LNLSGR21.99%
−11.0%y/y
Percentile by value60th percentileby value
FDIC
LNRENROT + LNLSGR9.03%
+2.1%y/y
Percentile by value37th percentileby value
FDIC
LNCI + LNLSGR