Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

SOUTH CENTRAL BANK INC

FDIC #5854 · KY · period 20260630

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Total assets1,116,442-5.65% YoY

Total deposits970,823-5.32% YoY

Net loans and leases749,749-9.86% YoY

Return on assets0.81%-12.46% YoY

Return on equity7.56%-16.46% YoY

Net interest margin3.55%+5.58% YoY

Peer position

Return on assets63rdin line · n=902

Return on equity76thstrength · n=894

Net interest margin57thin line · n=902

Equity to assets22ndopportunity · n=894

Noncurrent loans68thin line · n=887

Liquid assets40thin line · n=895

Brokered deposits35thin line · n=890

Loans to deposits43rdin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2017-03-31	1,116,442	970,823	749,749	0.81	7.56	3.55
2017-06-30	1,111,237	957,544	765,313	0.82	7.54	3.58
2017-09-30	1,116,742	961,524	786,044	0.83	7.57	3.60
2017-12-31	1,167,122	1,021,733	822,252	0.75	6.92	3.61
2018-03-31	1,183,329	1,025,368	831,756	0.93	9.05	3.37
2018-06-30	1,162,840	996,566	849,074	0.99	9.54	3.43
2018-09-30	1,151,310	994,322	844,362	1.00	9.66	3.49
2018-12-31	1,195,121	1,036,323	859,883	0.99	9.54	3.51
2019-03-31	1,194,269	1,020,304	864,131	1.09	10.29	3.51
2019-06-30	1,176,775	1,015,516	886,718	1.09	10.13	3.58
2019-09-30	1,180,569	1,005,248	897,441	1.16	10.56	3.62
2019-12-31	1,275,110	1,084,769	908,882	1.17	10.72	3.57
2020-03-31	1,246,633	1,071,965	912,033	0.98	9.05	3.37
2020-06-30	1,370,869	1,178,249	1,000,050	1.14	10.72	3.24
2020-09-30	1,367,295	1,174,775	1,036,963	1.20	11.28	3.22
2020-12-31	1,496,707	1,302,500	992,990	1.25	12.06	3.21
2021-03-31	1,612,098	1,374,665	1,012,699	1.39	14.90	2.92
2021-06-30	1,569,334	1,350,536	1,006,048	1.48	15.72	3.12
2021-09-30	1,534,938	1,328,981	1,011,569	1.57	16.35	3.41
2021-12-31	1,591,396	1,386,016	1,097,698	1.47	15.31	3.37
2022-03-31	1,603,115	1,408,182	1,154,560	1.07	11.37	3.16
2022-06-30	1,613,977	1,423,964	1,223,666	1.10	12.06	3.26
2022-09-30	1,633,909	1,439,026	1,238,046	1.15	12.77	3.35
2022-12-31	1,734,843	1,521,047	1,273,010	1.17	13.30	3.39
2023-03-31	1,731,466	1,524,537	1,278,983	1.20	14.47	3.39
2023-06-30	1,744,666	1,537,897	1,325,980	1.15	13.77	3.38
2023-09-30	1,749,914	1,551,328	1,363,858	1.13	13.63	3.37
2023-12-31	1,853,741	1,645,633	1,399,246	1.14	13.67	3.34
2024-03-31	1,851,311	1,640,803	1,406,188	1.10	12.95	3.23
2024-06-30	1,845,172	1,600,294	1,435,210	1.13	13.23	3.37
2024-09-30	1,912,348	1,658,568	1,495,436	1.14	13.10	3.38
2024-12-31	1,987,017	1,742,517	1,516,507	1.17	13.52	3.41
2025-03-31	1,973,053	1,748,258	1,515,773	1.16	13.31	3.39
2025-06-30	2,031,787	1,725,612	1,577,487	1.21	13.69	3.51
2025-09-30	2,039,799	1,807,038	1,629,085	1.25	13.95	3.63
2025-12-31	2,090,375	1,789,533	1,654,900	1.25	13.86	3.70
2026-03-31	2,166,977	1,884,857	1,723,314	1.36	14.78	3.81
2026-06-30	2,257,592	1,968,165	1,765,174	1.41	15.37	3.81

Structure and branch footprint

27 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2017-02-11	1	2614018	473042
2015-01-01	1	201049	473042
2015-01-01	1	1396483	473042
2015-01-01	1	2263313	473042
2015-01-01	1	2267012	473042

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.