Through the years...

A lot has changed since 1972 when our founder, James Kenneth Bale, purchased Deposit Bank of Monroe County. Deposit Bank’s 83 years of service to rural Kentucky provided Mr. Bale a strong basis to build South Central Bank and to fulfill his dream of providing true community-centered banking services to the families, individuals, and businesspeople of the local area.


Today, we have nearly 50,000 customers and $1.6 billion in assets. Through the years we have grown larger, but we have never forgotten our roots and our mission of helping our customers through honest and fair treatment, large and small alike.

Investing in communities...

The success of the South Central Bank is attributed to Mr. Bale always paying attention to the needs of the communities he served and by investing in hard work with the dedication and strong commitment to succeed. These values are carried on today by the Bale Family and South Central Bank’s employees and has allowed us to change countless lives and communities as we built the trust that keeps generations of commercial and retail customers coming back to us as their financial partner.


To our clients, thank you for entrusting South Central Bank with your finances.  Serving you is a privilege and one that we take seriously.  We are grateful to have been a part of your story – just as you have been such an important part of ours.

From our family to yours, we are grateful for your support through the years and the trust you place in us. Thank you!

Here’s To 50 more…

Generations of Service

Relationships that Built Us

To commemorate our fifty years of service, we are spotlighting unique stories that speak to our character
and the way the Bale family has impacted the community

Duke Perdue

South Central Bank Customer for 10 Years

Duke Perdue is the owner of the Stanley Steemer franchises that service Bowling Green, Elizabethtown, Louisville, and Clarksville, TN. According to Duke, growing his franchises from just a handful of vans to an impressive fleet would not have been possible without the support of South Central Bank. Learn how our relationship with Duke, like many other growth-minded business owners, has allowed him to scale his business and prepare him to strategically grow his company. Take a look at Duke’s story.

Mike Melloan

South Central Bank Customer for 50+ years

Mike Melloan is a retired auctioneer and real estate broker who has been banking with South Central Bank for most of his life. South Central Bank has made a difference for this small businessman. Take a look at Mike’s story.

Don Baker

Barren County Area Customer for 20+ years

Don Baker is the President of HVAC Services and Chairman of the Board for Green Mechanical. Don recalls how he first met our founder, Kenneth Bale, and the impact that meeting made on his career and the future of his company. South Central Bank made a difference for this small business. Take a look at Don’s story.

Larry Maglinger

Owensboro Area Customer for 25+ years

Larry Maglinger began Custom Audio Video in 1995 and began a relationship with Kenneth Bale when installing a custom home theater for them. Any business owner, especially in technical services, knows that ordering equipment for installation takes a significant amount of upfront capital. We weren’t going to let that hold Larry back from growing his business. We are proud to spotlight Larry and his achievements. Take a look at his unique story.