🏦Bank Scorer

This institution is no longer active

Operations ceased on January 1, 2015. CRA examination history below reflects the period it was active.

SOUTH CENTRAL BANK OF DAVIESS COUNTY, INC.

OWENSBORO, KY · Supervised by FDIC

Est. 1995FDIC #33,963RSSD: FDIC-33963
Part ofSOUTH CNTL BANCSHARES KY INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2014

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.43%

Institution Profile

FDIC BankFind

Address

300 Southtown Boulevard, OWENSBORO, KY

County

Daviess County

Established

January 6, 1995

Total Assets

$205M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2014

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 11 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2014Call Report / FDIC

Total Assets

$205M

Total Deposits

$152M

Net Loans

$90M

Net Income

$797K

ROA

0.43%

ROE

5.02%

Risk-Based Capital

17.91%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1996

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/b902a467-0628-4c96-b405-61ffd9e46bc4"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: