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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Kentucky, the state note

South Central Bank Inc

Glasgow, Kentucky · $2.26B in assets · beside the 11 other Kentucky banks between $1B and $3B

The filing

+11.9%
Loans, year over year
1st of 12, largest first
284.3%
CRE / capital
11th of 12
90.6%
Loans / deposits
10th of 12

South Central Bank Inc is the second largest of the 12 Kentucky banks between $1B and $3B, with $2.26B in assets at 30 June 2026. Loans are 90.6% of deposits, 10th of 12 against a median of 80.1%, and equity is 9.0% of assets, 7th of 12. Loans grew +11.9% in the year, the fastest in the cohort, and deposits grew 14.1%; the cohort's median loan growth is +4.0%.

Noncurrent loans are 0.30% of the book, 7th of 12 against a median of 0.28%; 0.15% is 30 to 89 days past due, and the allowance covers them 3.3 times. Commercial real estate is 37.9% of loans, 9th of 12 against a median of 33.1%, and 284% of capital, below the 300% screen, with construction at 72% against the 100% screen.

Return on assets is 1.38%, 5th of 12 against a median of 1.22%, on an efficiency ratio of 53.1%, 4th of 12. Five years ago it was 1.50%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate against capital, the 300% screenKY banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 238% CF Community Finl Services Bank 83% WB Whitaker Bank 133% FS First Southern National Bank 147% CB Cecilian Bank 203% PB Paducah Bank & Trust Co. 211% ES Edmonton State Bank 227% FB Forcht Bank National Association 249% PB Planters Bank Inc 251% MB Monticello Banking Co. 258% TB Traditional Bank Inc 267% SC South Central Bank Inc 284% HB Heritage Bank Inc 295%
Loans, year over yearKY banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.0% SC South Central Bank Inc +11.9% ES Edmonton State Bank +10.4% PB Paducah Bank & Trust Co. +8.4% TB Traditional Bank Inc +6.8% WB Whitaker Bank +6.2% FS First Southern National Bank +5.1% HB Heritage Bank Inc +2.8% CB Cecilian Bank +2.3% FB Forcht Bank National Association +1.6% CF Community Finl Services Bank -0.8% PB Planters Bank Inc -3.2% MB Monticello Banking Co. -8.0%

SBA 7(a), FY2008 to FY2026

South Central Bank Inc is the 20th largest 7(a) lender into Kentucky of 267, with $37M across 177 loans, 1.2% of everything approved in the state (The Huntington National Bank leads with $254M). 11 of its 19 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Kentucky, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Hardin, KY$12M1st of 4214.2%+6.4 pts
Barren, KY$9M2nd of 2020.8%quiet FY2022
Warren, KY$4M8th of 465.0%+5.5 pts
Wayne, KY$4M2nd of 743.0%thin
Davidson, TN$2M74th of 1640.2%thin
Metcalfe, KY$1M2nd of 628.3%quiet FY2015
Jefferson, KY$1M68th of 1230.1%-0.3 pts
Fayette, KY$845K55th of 850.3%thin
Daviess, KY$771K18th of 381.0%quiet FY2017
Logan, KY$680K5th of 123.8%thin
Monroe, KY$662K2nd of 525.6%quiet FY2016
Clinton, KY$635K4th of 87.4%quiet FY2010
Allen, KY$460K6th of 117.1%quiet FY2021
6 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade40$9M23.1%0.01%520th of 2,589
Manufacturing11$8M19.8%0.02%542nd of 2,246
Construction22$7M19.0%0.02%444th of 2,063
Arts, entertainment & recreation7$3M6.9%0.02%505th of 1,656
Administrative & waste services14$2M5.7%0.02%531st of 1,763
7(a) lenders into Kentucky, share of approvals since FY2008267 lenders on record; the ten largest and South Central Bank Inc
TH The Huntington National Bank 8.1% $254M · 1,146 loans SY Stock Yards Bank & Trust Company 7.7% $241M · 552 loans LO Live Oak Banking Company 7.4% $232M · 177 loans UB U.S. Bank, National Association 6.6% $206M · 1,215 loans CT Community Trust Bank, Inc. 5.7% $177M · 1,139 loans RB Republic Bank & Trust Company 4.4% $136M · 414 loans JC JPMorgan Chase Bank, National Ass… 2.1% $67M · 343 loans FF First Financial Bank 2.0% $64M · 158 loans G Gbank 2.0% $61M · 31 loans FT Fifth Third Bank 1.9% $58M · 209 loans SC South Central Bank, Inc. 1.2% $37M · 177 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
South Central Bank IncRankCohort median
Total CRE against capital, the 300% screen284%11th of 12238%
Construction against capital, the 100% screen72%7th of 1269%
Construction and land development, share of loans9.6%5th of 1210.4%
Non-owner-occupied nonfarm nonresidential, share of loans21.7%10th of 1217.7%
Total CRE, the guidance definition, share of loans37.9%9th of 1233.1%
CRE growth over 36 months, the third prong+33.5%10th of 12+16.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Traditional Bank Inc$2.44B1.2%53.2%0.25%0.03%1.0%78.3%8.8%
South Central Bank Inc$2.26B1.4%53.1%0.30%0.00%1.0%90.6%9.0%
Heritage Bank Inc$1.99B1.0%63.8%0.47%0.12%1.2%67.9%7.2%
Planters Bank Inc$1.96B1.3%51.1%0.11%0.01%1.4%85.9%11.8%
Whitaker Bank$1.93B1.4%60.8%0.21%0.06%1.5%68.3%11.5%
Forcht Bank National Association$1.65B0.7%75.2%0.05%0.01%1.2%76.0%8.9%
Cecilian Bank$1.59B1.6%50.6%0.40%0.01%1.1%80.4%10.3%
Community Finl Services Bank$1.37B1.0%67.4%0.42%0.23%1.3%79.8%8.3%
First Southern National Bank$1.28B0.8%62.4%0.61%0.05%1.7%71.0%11.6%
Edmonton State Bank$1.15B2.5%49.4%0.32%0.01%1.1%92.8%12.0%
Monticello Banking Co.$1.07B1.0%69.8%0.11%0.01%1.2%83.8%8.7%
Paducah Bank & Trust Co.$1.07B2.2%54.7%0.19%0.02%1.5%95.9%10.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
South Central Bank IncCohort median
20212026Change20212026Change
Loans$1.02B$1.78B+75%$823M$1.09B+32%
Deposits$1.35B$1.97B+46%$1.17B$1.41B+20%
NPA / loans1.00%0.30%-0.69 pts0.52%0.28%-0.24 pts
Efficiency55.0%53.1%-1.9 pts59.8%57.8%-2.1 pts
ROA1.50%1.38%-0.12 pts1.07%1.22%+0.15 pts

This read was prepared for South Central Bank Inc's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on South Central Bank Inc is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort KY banks $1B to $3B
Institution www.southcentralbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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