BlastPoint's Banking Scorecard
South Central Bank, Inc.
Designations: ✓ Community bank
Glasgow, KY
27 branches across KY · TN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in KY.
- Deposits +14.1% year over year ($2.0B on the books).
- Delinquency rate 0.31%.
- Return on assets 1.41%.
- Efficiency ratio 53.06% vs a 59.73% peer average.
- Loan-to-deposit ratio 89.69% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
South Central Bank, Inc. has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.67% below tier average
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.06% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+11.1% YoY
+4.2% QoQ
|
-$535.7M |
$2.8B
-0.6% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
56% |
| Total Loans ? |
$1.8B
+11.9% YoY
+2.4% QoQ
|
-$198.0M |
$2.0B
-0.3% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
61% |
| Total Deposits ? |
$2.0B
+14.1% YoY
+4.4% QoQ
|
-$350.7M |
$2.3B
-0.5% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
1.41%
+16.7% YoY
+3.2% QoQ
|
+0.02% |
1.39%
+17.0% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
63% |
| Net Interest Margin ? |
3.81%
+8.8% YoY
+0.2% QoQ
|
-0.06% |
3.87%
+6.2% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
53.06%
-7.6% YoY
-2.1% QoQ
|
-6.67% |
59.73%
-12.6% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
0.31%
-10.4% YoY
-21.8% QoQ
|
-0.56% |
0.87%
+11.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
89.69%
-1.9% YoY
-1.9% QoQ
|
+4.65% |
85.04%
-0.1% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
21.11%
-11.1% YoY
-4.4% QoQ
|
-0.16% |
21.27%
-1.5% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.26%
-11.2% YoY
-23.8% QoQ
|
-0.42% |
0.67%
+11.7% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
12.08%
+2.2% YoY
+0.4% QoQ
|
-2.76% |
14.84%
-0.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.30%
-0.3% YoY
+114.6% QoQ
|
-0.23% |
0.53%
+2.5% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
52% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.1%
-2.6pp YoY -1.0pp QoQ |
-0.3pp | 21.4% | 23.5% | 22.2% | 56% |
| Brokered Deposits |
4.6%
+3.7pp YoY +1.4pp QoQ |
-4.9pp | 9.5% | 5.4% | 8.5% | 47% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.0%
-0.1pp YoY -0.2pp QoQ |
-5.0pp | 14.0% | 8.6% | 12.5% | 39% |
| CRE |
52.0%
-0.5pp YoY -0.8pp QoQ |
+2.0pp | 50.0% | 37.1% | 41.4% | 57% |
| 1-4 Family |
29.3%
+1.2pp YoY +0.8pp QoQ |
+2.9pp | 26.4% | 41.6% | 31.3% | 64% |
| Consumer |
1.2%
0.0pp YoY 0.0pp QoQ |
-3.5pp | 4.7% | 4.8% | 5.0% | 50% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.1%
+0.3pp YoY +0.1pp QoQ |
-3.5pp | 15.6% | 20.2% | 19.7% | 26% |
| Leverage Ratio |
9.9%
0.0pp YoY -0.1pp QoQ |
-1.4pp | 11.3% | 14.0% | 12.6% | 33% |
| Total Capital Ratio |
13.1%
+0.3pp YoY +0.1pp QoQ |
-3.6pp | 16.7% | 21.3% | 20.8% | 24% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
303
+23 (+8.2%) YoY +9 (+3.1%) QoQ |
-11 | 313 | 105 | 482 | 66% |
| Assets per Employee ($) |
$7.5M
+2.7% YoY +1.1% QoQ |
-$3.0M | $10.5M | $6.3M | $8.8M | 30% |
| Branch Count |
27
+1 (+3.8%) YoY 0 QoQ |
+7 | 20 | 8 | 18 | 78% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.3%
0.0pp YoY -0.1pp QoQ |
-0.5pp | 0.8% | 0.8% | 1.0% | 32% |
| Allowance Coverage |
3.31x
+11.6% YoY +27.9% QoQ |
-15.40x | 18.71x | 7.45x | 20.23x | 67% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.4%
+1.7pp YoY +0.6pp QoQ |
+2.8pp | 12.6% | 13.3% | 11.6% | 76% |
| Cost of Funds (YTD) |
2.1%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.9% | 1.7% | 1.7% | 63% |
| Net Income ($, YTD) |
$15.3M
+26.9% YoY — QoQ |
-$4.0M | $19.2M | $5.1M | $40.4M | 61% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.