# SOUTH CENTRAL BANK INC
GLASGOW, KY · FDIC certificate 5854 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.26B | |
| Deposits | $1.97B | |
| Loans and leases | $1.78B | |
| Total equity | $203.9M | |
| Loans / deposits | 89.69% (p58 of band) | 87.10% |
| Liquid assets / assets | 18.41% (p39 of band) | |
| Uninsured deposits / deposits | 20.10% (p18 of band) | 30.76% |
| Brokered deposits | 4.01% | |
| Wholesale funding | 6.59% (p52 of band) | |
| FHLB advances / assets | 2.39% | |
| Tier 1 leverage | 9.88% (p33 of band) | 10.50% |
| Unrealized securities loss / equity | -12.31% (p34 of band) | -7.75% |
| AOCI / equity | -0.59% (p30 of band) | |
| ROA (annualized) | 1.41% (p63 of band) | 1.26% |
| Net interest margin | 3.81% (p57 of band) | 3.70% |
| Efficiency ratio | 53.06% (p33 of band) | |
| Noncurrent loans | 0.30% (p33 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | 330.98% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 83.53% (p80 of band) | |
| Auto loans | $8.0M (0.45% of loans; DQ 0.66%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 14.1% | |
| Employees | 303 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 0 |  | reserve under noncurrent, capital falling |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | capital falling | reserve under noncurrent |
| 2015-06 | 1 | charge-offs p90 | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | charge-offs p90 |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 1 | reserve under noncurrent |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 0 |  | reserve under noncurrent, capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | construction >100% equity |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | capital falling |  |
| 2023-06 | 0 |  | construction >100% equity, capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-22 [Barren County Property Transfers for the week of December 15, 2025 - WCLU Radio](https://news.google.com/rss/articles/CBMipgFBVV95cUxQTVp4bnA2OWdMUkVNOVBIam5NaW9Idks4dlcxbW5HaUNDRzFzZW5KN1NtWnRsSl9aWm1uS2hSWGtsREpCRHBjMDFUZm41SjluRDM0TEZ5amFRY0JyNG5ZODNneEFNUTVDOVZhdWdtYlVKcXJBandDZF9SVUhIT1h4MG4zVUpCMEZKRkhEb2ZraWxqQ2xvZGVGRF9pMGl5a29oYTJlMGpn?oc=5) · WCLU Radio
- 2025-12-10 [Bowling Green, Scottsville to receive funding to create affordable housing - WBKO](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNGJPak1ZR2s1R2xHZDYzbjFFSEc1UHNTQUtCSzNJVkhGekNLdmJrTGFDWTJ6TzBuMl9DY0M2UVc0N3lSUHdmSVRDUF9QRUo3Qzh3VjZnM0tWRkJoOG5XMUpXbkJVMGdPYURVNDdST2JnXzlyZkFpNUFOeUFGcjFpWkh5VzdIWWduWHNGQ3dJb3M3YmV4Q2FKSFRCN01yckozMHfSAbYBQVVfeXFMTnNnMW40dE5rWUhENXpZc1c4cS1DNnVnWDF6Z3BlTUdhc0JvSkZGMnVGTkVmSTJ2eHhzTnB2UGZ5OE5LOGM2OHRJTVRhWG1ybGh6Y01jc1IwQ0VDcEY2dDZSTjNlV2J2VTdDYnNOek9vWlo3NzdYbDFjRTdKMjMxaHQ4cXcxTjhhbW5oU3BJWlZ3SGpLb3VRRGFZcW80aHdNWDQxOFlYSTAzRkNCajlRckFBMUZ3a2c?oc=5) · WBKO
- 2022-11-04 [Deeds and Courthouse News - Beech Tree News](https://news.google.com/rss/articles/CBMickFVX3lxTE1tN2hLLWFoMzdMOEF2X3RLWU5zWU1FalRnZ0hSMUh5dFdDNjFCNExjY2o4X3I0TjJ2dFNkM1B2V0FiTG9Id3pWSmNadmZkaUlmMHQwYTVFY1M0Y0kxNnlzVkF3RGZfOHVqU3JOM1FiWUR3dw?oc=5) · Beech Tree News
- 2023-07-22 [Real Estate Transfers: July 21, 2023 - The Owensboro Times](https://news.google.com/rss/articles/CBMifkFVX3lxTE9adG9lRFBlc2F6S25tcnVDdEdxYjB5WmdjNkZkanBIdFlLWWNPRDh3emJiSW9icWhnbnVDV2YtdjE1dHRKdU5QWndJSTN3TF9oR2FKNEFLZG5HVkhNQnh4em04XzI3T3pMdkU5dmd5R2VFQ29EamxhaVNBbUQ1Zw?oc=5) · The Owensboro Times
- 2026-04-23 [Property Transfers, March 16 to March 27, 2026 - WCLU Radio](https://news.google.com/rss/articles/CBMiigFBVV95cUxOMlpMUVpLZlhnNVdVWVZvLW1RTlNVbktNU3NrTllpQ0g2WFNCemRjSkdHcmFUNi0zN0dXNGlKQl9BZ1NNNW42MWNpcnVlV3NFVDZtNXh1V1FCeUtYc2tRekphSlZkdkFyRE1UTUxZMWl2ckhKOEZYbVE1N1IxZ2hOM1pKVUJMQ0xZY3c?oc=5) · WCLU Radio
- 2024-11-12 [Barren County Deed Transfer Tax Report for the Week of November 4, 2024 - WCLU Radio](https://news.google.com/rss/articles/CBMirAFBVV95cUxQbjdRcUxUWHNvRzhBMWlmQXYwOFdiVlNxMVhLYkVLVnNIejAzMElnOExHdVRrVnZDMWdNNnR5WmhzR1pCa0d5cS1rSTR3M0xLcW5EcjZXcy1rSlQ5Rl9QRjE4NnhsRmVIWXZrYzZpenFsLVlkc2djdjU3d080UTJPeFotMVI3T3ZMS3hqeTFmazVnOHFyZEc0cnZTYWxTUEF2YW1XbHhiSlgyYUI0?oc=5) · WCLU Radio

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5854 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "5854", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide