BlastPoint's Banking Scorecard
South Central Bank, Inc.
Community
Specialty: Commercial
KY
FDIC cert 5854
Glasgow, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
South Central Bank, Inc. faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 41% in Community
- - Credit Risk Growth: Bottom 45% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+5.2% YoY
+2.5% QoQ
|
+$698.9M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$1.7B
+9.1% YoY
+1.6% QoQ
|
+$679.4M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$1.8B
+2.7% YoY
-1.0% QoQ
|
+$624.9M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
1.25%
+6.7% YoY
+0.2% QoQ
|
+0.08% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.70%
+8.5% YoY
+2.1% QoQ
|
+0.04% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
58.57%
-0.5% YoY
+1.2% QoQ
|
-4.07% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
0.47%
+35.2% YoY
+43.0% QoQ
|
-0.16% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
92.48%
+6.3% YoY
+2.6% QoQ
|
+9.41% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
21.84%
+2.1% YoY
-4.2% QoQ
|
+0.80% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.40%
+49.7% YoY
+39.0% QoQ
|
-0.10% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
12.09%
+2.2% YoY
+1.7% QoQ
|
+1.85% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.65%
-1.9% YoY
+29.3% QoQ
|
-0.09% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#213 of 513 · Bottom 41% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.48%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#288 of 642 · Bottom 45% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.48% · Tier avg: 83.06%
65
65th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
62
62th pctile
Efficiency Ratio
Current: 58.57% · Tier avg: 62.63%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.84% · Tier avg: 21.05%
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
49
49th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.09% · Tier avg: 10.24%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
Top Weaknesses
46
46th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.09% · Tier avg: 10.24%
49
49th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.84% · Tier avg: 21.05%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
62
62th pctile
Efficiency Ratio
Current: 58.57% · Tier avg: 62.63%
65
65th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.48% · Tier avg: 83.06%
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M