SBA lender profile
South Central Bank, Inc.
South Central Bank, Inc. appears in the public SBA loan data with 130 funded 7(a) loans since FY2010, totaling $34.7M, an average of $267K per loan, and an estimated 1,142 jobs supported. Its SBA lending concentrates in Kentucky and the Retail Trade sector. Across its 7(a) loans, the charge-off rate is 2.3%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 75
- Scale 51
- Activity 62
- Consistency 72
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is South Central Bank, Inc. the right lender for you?
Lenders fund what they know. South Central Bank, Inc.'s SBA lending concentrates in Kentucky (127 loans) and Retail Trade (32 loans), at an average loan of $267K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Where South Central Bank, Inc. lends
Top states by funded SBA volume.
Metro areas where South Central Bank, Inc. funds
What South Central Bank, Inc. funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 32 | $8.3M |
| Manufacturing | 10 | $7.2M |
| Construction | 19 | $7.1M |
| Arts, Entertainment, Recreation | 5 | $2.3M |
| Administrative and Support | 9 | $2.1M |
| Wholesale Trade | 3 | $1.6M |
South Central Bank, Inc. SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 21 | $3.4M |
| 2011 | 17 | $3.9M |
| 2012 | 17 | $1.2M |
| 2013 | 12 | $659K |
| 2014 | 6 | $822K |
| 2015 | 10 | $3.6M |
| 2016 | 4 | $483K |
| 2017 | 11 | $2.0M |
| 2021 | 5 | $2.5M |
| 2022 | 8 | $3.3M |
| 2023 | 7 | $1.5M |
| 2024 | 6 | $2.0M |
| 2025 | 5 | $8.7M |
| 2026 | 1 | $644K |
Related SBA lenders
Other lenders active in Kentucky or in Retail Trade.
Comparing lenders? See how to choose an SBA lender by track record.
South Central Bank, Inc.: frequently asked questions
Does South Central Bank, Inc. offer SBA loans?
Yes. South Central Bank, Inc. appears in the public SBA data with 130 funded SBA 7(a) loans totaling $34.7M.
How many SBA loans has South Central Bank, Inc. made?
South Central Bank, Inc. is associated with 130 SBA 7(a) loans totaling $34.7M in the public SBA data (as of 2026-03-31).
What is South Central Bank, Inc.'s SBA charge-off rate?
About 2.3% of South Central Bank, Inc.'s 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does South Central Bank, Inc. do most of its SBA lending?
South Central Bank, Inc.'s SBA lending in the data is most concentrated in Kentucky, and by industry in Retail Trade.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). South Central Bank, Inc. SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/south-central-bank-inc/
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