BlastPoint's Banking Scorecard

South Central Bank, Inc.

$1B-$10B Specialty: Commercial KY FDIC cert 5854

Designations: ✓ Community bank

Glasgow, KY

27 branches across KY · TN

884 banks in the $1B-$10B peer group nationally 17 in KY

South Central Bank, Inc. has 2 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 6.86% below tier average
+ Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 20.3% in tier

Get updates when South Central Bank, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$2.2B +9.8% YoY +3.7% QoQ	-$648.7M	$2.8B -0.1% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	55%
Total Loans ?	$1.7B +13.7% YoY +4.1% QoQ	-$241.5M	$2.0B +0.6% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	60%
Total Deposits ?	$1.9B +7.8% YoY +5.3% QoQ	-$458.5M	$2.3B -0.3% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	56%
Return on Assets ?	1.36% +17.2% YoY +9.3% QoQ	+0.00%	1.37% +19.6% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	62%
Net Interest Margin ?	3.81% +12.3% YoY +2.7% QoQ	-0.01%	3.82% +6.9% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	54.20% -7.2% YoY -7.5% QoQ	-6.86%	61.06% -4.6% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	66%
Delinquency Rate ?	0.39% +15.4% YoY -16.7% QoQ	-0.50%	0.89% +14.1% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	91.43% +5.5% YoY -1.1% QoQ	+7.22%	84.20% +0.3% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	33%
Non-Interest-Bearing Deposit Share ?	22.08% -3.2% YoY +1.1% QoQ	+0.79%	21.29% -2.5% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	60%
Nonperforming Asset Ratio ?	0.34% +18.1% YoY -15.3% QoQ	-0.34%	0.67% +15.6% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	59%
Tier 1 Capital Ratio ?	12.03% +0.5% YoY -0.5% QoQ	-3.13%	15.16% +2.0% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.14% -3.7% YoY -78.3% QoQ	-0.12%	0.26% +1.6% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	49%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#105 of 513 • Bottom 20.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.39%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available