South Central Bank, Inc.
Glasgow, KY
IDRSSD: 473042
Total Assets
$2.09B
Latest filing
Total Deposits
$1.79B
Latest filing
Net Interest Margin
3.94%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
083905012GLASGOW, KY
Key People
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Locations
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Main Office
South Central Bank, Inc.
208 S Broadway St
Glasgow, KY 42141
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1908FDIC Certificate 4000
Branches (26)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| South Central Bank, Inc. (Main) | 208 S Broadway St | Glasgow, KY |
| PARK CITY BRANCH | 24127 Louisville Rd | Park City, KY |
| HAPPY VALLEY BRANCH | 615 Happy Valley Rd | Glasgow, KY |
| CAVE CITY BRANCH | 518 N Dixie Hwy | Cave City, KY |
| FOUNTAIN RUN BRANCH | 211 Main St | Fountain Run, KY |
| GREENWOOD BRANCH | 5251 Scottsville Rd | Bowling Green, KY |
| LOUISVILLE ROAD BRANCH | 3505 Louisville Rd | Bowling Green, KY |
| FRANKLIN BRANCH | 204 S Main St | Franklin, KY |
Showing 7 of 26
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42141 |
| State and County Number | 21009 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Glasgow, KY |
Operational Info
| Number of Employees | 282 |
| Domestic Offices | 26 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.southcentralbank.com |
| Data Updated | 01/30/2026 |
| CERT | 5854 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.09B |
| Total Deposits | $1.79B |
| Total Liabilities | $1.90B |
| Total Equity Capital | $194.36M |
| Net Income | $6.50M |
| Net Loans and Leases | $1.65B |
| Assets Per Employee ($Millions) | $7.18M |
| Bank Premises and Fixed Assets | $29.64M |
| Cash and Balances due from Depository Institutions | $106.12M |
| Deposits Held in Domestic Offices | $1.79B |
Key Performance Ratios
| Return on Assets (ROA) | 1.26% |
| Return on Equity (ROE) | 13.57% |
| Net Interest Margin | 3.94% |
| Efficiency Ratio | 60.46% |
| Tier 1 Risk-Based Capital Ratio | 12.094% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.298% |
| Earning Assets to total Assets | 95.6% |
Income and Expense
| Total Interest Income | $29.55M |
| Total Noninterest Income | $3.32M |
| Total Interest Expense | $10.12M |
| Total Noninterest Expense | $13.75M |
| Net Interest Income | $19.42M |
| Pre-tax Net Operating Income | $8.63M |
| Provision for Credit Losses | $364.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $520.00k |
| Other borrowed funds | $74.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $4.31M |
| All Other Liabilities | $28.17M |
| Total Liabilities and Capital | $2.09B |
Securities
| Securities | $255.74M |
| Available-for-sale debt securities | $255.58M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $164.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of South Central Bank, Inc.?
$2.09B as of the latest filing.
How much are South Central Bank, Inc.'s total deposits?
$1.79B in total deposits.
Where is South Central Bank, Inc. located?
Glasgow, KY.
What is the Net Interest Margin?
3.94%.
How many domestic offices does it operate?
26.
When was it established?
01/01/1908.
What is the Return on Assets (ROA)?
1.26%.
How much are total loans and leases?
$1.65B (latest filing).
What is the total interest income (latest filing)?
$29.55M.