Bank · FDIC insured
South Central Bank
A $2.3B bank headquartered in Glasgow, KY, with 26 branches in 2 states. Best rates: CDs 4.45% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.45%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About South Central Bank
Formed in 1972, South Central Bank provides traditional banking services to consumers and businesses across Kentucky.
The institution is a locally owned bank affiliated with South Central Bancshares of Kentucky, Inc.
- Headquarters
- 208 S Broadway St, Glasgow, KY 42141
- FDIC certificate
- 5854 ↗
Branches
26 branches in 2 states
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Kentucky
25 branches
Bowling Green area · 5
- Campbell Lane Branch1757 Campbell Ln, Bowling Green, KY 42104Directions
- Greenwood Branch5251 Scottsville Rd, Bowling Green, KY 42104Directions
- Lehman Avenue Branch805 Lehman Ave, Bowling Green, KY 42101Directions
- Louisville Road Branch3505 Louisville Rd, Bowling Green, KY 42101Directions
- Nashville Road Branch2710 Nashville Rd, Bowling Green, KY 42101Directions
Glasgow area · 3
- South Central Bank, Inc.Main office208 S Broadway St, Glasgow, KY 42141Directions
- Beaver Trail Office Branch165 Beaver Trl S, Glasgow, KY 42141Directions
- Happy Valley Branch615 Happy Valley Rd, Glasgow, KY 42141Directions
Owensboro area · 3
- Carter Road Branch1375 Carter Rd, Owensboro, KY 42301Directions
- Frederica Street Branch2715 Frederica St, Owensboro, KY 42301Directions
- Highway 54 Branch3010 Highway 54, Owensboro, KY 42303Directions
Elizabethtown area · 2
- Dixie Hwy Branch1000 N Dixie Ave, Elizabethtown, KY 42701Directions
- South Central Bank Of Hardin County, Inc2908 Ring Rd, Elizabethtown, KY 42701Directions
Tompkinsville area · 2
- Edmonton Road Branch1748 Edmonton Rd, Tompkinsville, KY 42167Directions
- South Central Bank Of Monroe County Branch320 N Main St, Tompkinsville, KY 42167Directions
Cave City area · 1
- Cave City Branch518 N Dixie Hwy, Cave City, KY 42127Directions
Edmonton area · 1
- Edmonton Branch702 W Stockton St, Edmonton, KY 42129Directions
Fountain Run area · 1
- Fountain Run Branch211 Main St, Fountain Run, KY 42133Directions
Franklin area · 1
- Franklin Branch204 S Main St, Franklin, KY 42134Directions
Lexington area · 1
- Lexington - Southland Branch115 Southland Dr, Lexington, KY 40503Directions
Louisville area · 1
- Brownsboro Rd Branch4910 Brownsboro Rd, Louisville, KY 40222Directions
Park City area · 1
- Park City Branch24127 Louisville Rd, Park City, KY 42160Directions
Russellville area · 1
- Russellville Branch1118 W 9th St, Russellville, KY 42276Directions
Scottsville area · 1
- Scottsville Branch414 E Main St, Scottsville, KY 42164Directions
Somerset area · 1
- Somerset Branch3977 Robinson Way N, Somerset, KY 42503Directions
Tennessee
1 branch
- Murfreesboro Branch1602 W Northfield Blvd, Murfreesboro, TN 37129Directions
Walk-in offices from the FDIC directory as of October 23, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.88% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.30% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.41% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $91 | $88 | — |
- CapitalLeverage ratio9.88%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.30%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.41%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$91Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of South Central Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.