1.36%
+17.2%y/y
Peer standing64th percentile
FDIC
NETINC + ROASC
South Central Bank, Inc.
Glasgow, KentuckyFDIC Cert #5854
STATEEstablished 190827 branches
Holding company: SOUTH CNTL BANCSHARES KY INCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
14.78%
+11.1%y/y
Peer standing74th percentile
FDIC
NETINC + ROE1.81%
+17.7%y/y
Peer standing73rd percentile
FDIC
PTAXNETINC + ASSET3.81%
+12.3%y/y
Peer standing59th percentile
FDIC
NIM + NIMY5.83%
+3.6%y/y
Peer standing67th percentile
FDIC
INTINCY2.81%
−10.3%y/y
Peer standing40th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
54.20%
−7.2%y/y
Peer standing69th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.28%
+2.6%y/y
Peer standing64th percentile
FDIC
NONIX + ASSET13.56%
−11.0%y/y
Percentile by value50th percentileby value
FDIC
NONII + NIM+9.83%
+49.5%y/y
Percentile by value77th percentileby value
FDIC
ASSET+7.81%
+19.3%y/y
Percentile by value68th percentileby value
FDIC
DEP+13.69%
+75.7%y/y
Percentile by value82nd percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.36%64th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE14.78%74th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.81%59th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR54.20%69th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+7.81%68th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+13.69%82nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.39%61st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ9.97%37th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.81%40th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC285%76th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.36%58th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.59%Median 1.26%90th 1.93%Observations 120
ROE
FDIC
NETINC + ROE14.78%63rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.25%Median 13.08%90th 22.33%Observations 120
NIM
FDIC
NIM + NIMY3.81%43rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.10%Median 3.88%90th 4.65%Observations 120
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR54.20%73rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.42%Median 61.83%90th 78.71%Observations 120
Deposits YoY
FDIC
DEP+7.81%76th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.06%Median +3.80%90th +11.14%Observations 120
Loans YoY
FDIC
LNLSNET+13.69%87th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.35%Median +6.09%90th +15.85%Observations 120
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.39%54th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.42%90th 2.06%Observations 120
Leverage
FDIC
RBC1AAJ9.97%37th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.86%Median 10.66%90th 15.01%Observations 120
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.81%31st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.48%Median 2.53%90th 3.35%Observations 120
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC285%93rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 64%Median 168%90th 259%Observations 70
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.36%55th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.94%Median 1.31%90th 2.26%Observations 12
ROE
FDIC
NETINC + ROE14.78%64th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 10.76%Median 13.37%90th 20.76%Observations 12
NIM
FDIC
NIM + NIMY3.81%55th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.22%Median 3.71%90th 4.62%Observations 12
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR54.20%55th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.16%Median 57.83%90th 69.70%Observations 12
Deposits YoY
FDIC
DEP+7.81%91st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.01%Median +2.84%90th +7.78%Observations 12
Loans YoY
FDIC
LNLSNET+13.69%100th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.50%Median +7.00%90th +9.15%Observations 12
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.39%27th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.09%Median 0.24%90th 0.55%Observations 12
Leverage
FDIC
RBC1AAJ9.97%18th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.72%Median 10.43%90th 12.40%Observations 12
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.81%9th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.21%Median 2.38%90th 2.79%Observations 12
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC285%86th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 132%Median 253%90th 297%Observations 8
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.