SOUTH CNTL BANCSHARES KY INC is the parent banking group. SOUTH CENTRAL BANK, INC. is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

FHD

SOUTH CNTL BANCSHARES KY INC

Legal name: SOUTH CENTRAL BANCSHARES OF KENTUCKY, INC.

1 active bank · 5 merged/absorbed · $2.2B combined assets

RSSD ID: 2810285 (FFIEC NIC)

Combined Assets

$2.2B

CRA Rating Summary

Satisfactory1charter

Across all 34 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankSOUTH CENTRAL BANK, INC.GLASGOW, KYSatisfactory$2.2BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$2.2B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$1.9B

Net Income

$7M

ROA (avg)

1.36%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

1,675

Origination Rate

77.61%

Denial Rate

7.7%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
SOUTH CENTRAL BANK, INC.	GLASGOW, KY	FDIC	$2.2B	100.0%	Satisfactory	Aug 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.