South Central Bank of Bowling Green, Inc.

1757 Campbell Lane
Bowling Green, KY 42104

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27485
Date Established 1989
Assets $0.22 billion
Loans $0.13 billion
Deposits $0.18 billion
Capital $0.03 billion

South Central Bank of Bowling Green, Inc. is an FDIC insured institution located in Bowling Green, KY. It was founded in 1989 and has approximately $0.23 billion in assets.

For a more detailed analysis of South Central Bank of Bowling Green, Inc.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in South Central Bank of Bowling Green, Inc.’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, South Central Bank of Bowling Green, Inc.’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 47.54
Multifamily
Mortgages
2.61
Credit Card Loans 0.00
Consumer Auto Loans 2.05
Small Business Loans 17.39
Construction and Development Loans 7.91
Commercial Real Estate 25.99
Commercial and Industrial Loans 2.86
Farm Loans 1.21

Deposit Rates - June 26, 2019

Your Current Location: Washington, WA 98101

There are currently no rates available for South Central Bank Of Bowling Green, Inc., but see these great savings and CD rates:

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Loan Rates - June 26, 2019

Your Current Location: Washington, WA 98101

There are currently no loan rates available for South Central Bank of Bowling Green, Inc.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

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Featured - Washington Home Equity Line Of Credit Rates 2019

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Figure Home Equity Line
5.490 %
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Branches

South Central Bank of Bowling Green, Inc. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
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South Central Bank of Bowling Green, Inc. Locations


Financial Details

South Central Bank of Bowling Green, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of South Central Bank of Bowling Green, Inc.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
South Central Bank of Bowling Green, Inc. U.S. Bank Average
6.73% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, South Central Bank of Bowling Green, Inc. had $2,105,000 in non-current loans and $55,000 in owned real estate. To cover these potential losses it had $29,460,000 in equity and $2,657,000 in loans loss reserves. That gives it a Texas Ratio of 6.73%.

Return on Equity
South Central Bank of Bowling Green, Inc. U.S. Bank Average
5.5% 8.80%

South Central Bank of Bowling Green, Inc. has a Return on Equity of 5.5% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
South Central Bank of Bowling Green, Inc. U.S. Bank Average
13.6% 12.29%

South Central Bank of Bowling Green, Inc. has a Capitalization of 13.6% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

South Central Bank of Bowling Green, Inc. Balance Sheet Analysis

As of September 30, 2014, South Central Bank of Bowling Green, Inc. had assets of $227,298,000, loans of $129,884,000, and deposits of $175,851,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.13 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
LIABILITIES
Total deposits $0.18 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.22 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About South Central Bank Of Bowling Green, Inc.

Branches and Savings

Is South Central Bank Of Bowling Green, Inc. FDIC insured?

Yes. It is covered under FDIC Certificate #27485.

Why does South Central Bank Of Bowling Green, Inc. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are South Central Bank Of Bowling Green, Inc. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is South Central Bank Of Bowling Green, Inc. a commercial bank?

Yes

Where are South Central Bank Of Bowling Green, Inc. locations?

See branch locations nearby.

Is South Central Bank Of Bowling Green, Inc. open on Saturdays?

Is South Central Bank Of Bowling Green, Inc. open on Sundays?

What time does South Central Bank Of Bowling Green, Inc. open?

What time does South Central Bank Of Bowling Green, Inc. close?

Are South Central Bank Of Bowling Green, Inc. ATMs Open 24/7?

Do South Central Bank Of Bowling Green, Inc. ATMs accept cash deposits?

Can South Central Bank Of Bowling Green, Inc. customers use other ATMs?

Do South Central Bank Of Bowling Green, Inc. branches have notaries?

Will South Central Bank Of Bowling Green, Inc. notarize my document?

What address for South Central Bank Of Bowling Green, Inc. should I put for incoming ACH transfers?

Will the South Central Bank Of Bowling Green, Inc. branch print checks?

Do South Central Bank Of Bowling Green, Inc. checks expire?

Does South Central Bank Of Bowling Green, Inc. require US citizenship to open account?

Can South Central Bank Of Bowling Green, Inc. close my account?

Does South Central Bank Of Bowling Green, Inc. Report to credit bureaus?

Does South Central Bank Of Bowling Green, Inc. Use Equifax?

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Products

Does South Central Bank Of Bowling Green, Inc. offer mortgages?

Compare mortgage rates here.

Does South Central Bank Of Bowling Green, Inc. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does South Central Bank Of Bowling Green, Inc. offer personal loans?

Compare personal loan rates here.

Does South Central Bank Of Bowling Green, Inc. offer student loans?

Will South Central Bank Of Bowling Green, Inc. cash a check?

Will South Central Bank Of Bowling Green, Inc. redeem a savings bond?

Does South Central Bank Of Bowling Green, Inc. cash savings bonds?

Will South Central Bank Of Bowling Green, Inc. cash money orders?

Can South Central Bank Of Bowling Green, Inc. issue a money order?

Does South Central Bank Of Bowling Green, Inc. do currency exchange?

Background on The Bank

Who owns South Central Bank Of Bowling Green, Inc.?

How long has South Central Bank Of Bowling Green, Inc. been around?

Can South Central Bank Of Bowling Green, Inc. transfer to other banks?

Does South Central Bank Of Bowling Green, Inc. have quick pay?

Does South Central Bank Of Bowling Green, Inc. accept rolled coins?

Will South Central Bank Of Bowling Green, Inc. accept loose change?

Where is South Central Bank Of Bowling Green, Inc. headquarters?

Customer Reviews for South Central Bank of Bowling Green, Inc.


  • Not a good Choice

    June 12, 2019 |

    I have had an account there for 30 years, Management is indifferent and dismissive to customers, Tellers are rude and seem unhappy. Services have disappeared or have degraded. There are so many local area banks in Bowling Green and surrounding areas. I would say any would be better.

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