South Central Bank Inc (FDIC #5854): Bank Stress & Real-Estate Credit Exposure

South Central Bank Inc (FDIC Cert #5854): bank stress 66/100, elevated, STABLE over 7 days; parent SOUTH CNTL BANCSHARES KY INC.

South Central Bank Inc (#5854) lends in 13 counties across 2 states; South Central Bank Inc (#5854) reaches 158 ZIP codes: Kentucky 12 counties, 138 ZIPs; Tennessee 1 county, 20 ZIPs.

South Central Bank Inc (#5854) largest markets: Jefferson County, KY (43 branches, 43 ZIPs) (#5854), Rutherford County, TN (20 branches, 20 ZIPs) (#5854), Fayette County, KY (19 branches, 19 ZIPs) (#5854), Hardin County, KY (34 branches, 17 ZIPs) (#5854), Barren County, KY (72 branches, 12 ZIPs) (#5854), Pulaski County, KY (11 branches, 11 ZIPs) (#5854).

South Central Bank Inc (#5854) reports $2.26 billion in total assets; South Central Bank Inc (#5854) equity $203.9 million (9.0% of South Central Bank Inc (#5854) assets); South Central Bank Inc (#5854) domestic deposits $1.97 billion; South Central Bank Inc (#5854) net income $15.3 million; South Central Bank Inc (#5854) return on assets 1.41%; South Central Bank Inc (#5854) return on equity 15.37%; South Central Bank Inc (#5854) net interest income $39.6 million; South Central Bank Inc (#5854) call report June 30, 2026.

South Central Bank Inc (#5854) noncurrent real-estate loans: none reported; South Central Bank Inc (#5854) residential -0.06%; South Central Bank Inc (#5854) net charge-offs on real estate 0.24%; South Central Bank Inc (#5854) multifamily charge-offs 0.34%.

South Central Bank Inc (#5854) net interest margin 3.81% against an eight-quarter South Central Bank Inc (#5854) average of 3.58% (South Central Bank Inc (#5854) compression -0.23 points); South Central Bank Inc (#5854) rate-exposure score 40/100, South Central Bank Inc (#5854) fixed-rate trap 40/100; South Central Bank Inc (#5854) risk type credit driven; South Central Bank Inc (#5854) rate regime rates elevated, South Central Bank Inc (#5854) snapshot October 19, 2026.

South Central Bank Inc (#5854) stress score moved from 64.9 on June 22, 2026 to 65.8 on October 20, 2026; South Central Bank Inc (#5854) ranged 64.9 to 65.8 over 117 snapshots.

South Central Bank Inc (#5854) alerts: 13 counties; top South Central Bank Inc (#5854) alert scores: Franklin County, KY 41 (moderate); Bowling Green County, KY 23 (low); Edmonton County, KY 23 (low); Elizabethtown County, KY 23 (low); Lexington County, KY 23 (low).