Young family in rural Kentucky.


For over 50 years, South Central Bank has been providing traditional banking services to customers in communities all across Kentucky. During that time, we have learned a lot about developing relationships and have become deeply rooted in the communities that we serve.  Throughout each chapter of our history, our unwavering commitment to customer service and trust has been our guiding principle.  As a part of our commitment to customer satisfaction our expectations are set high, our processes are thorough, and we are constantly striving to serve our customers even better.  Our goal is to be your trusted financial partner.

We've been the banking home for families across Kentucky for more than 50 years.

Our Story

South Central Bank’s history dates back to 1889, the year Deposit Bank of Monroe County was first chartered. Our founder, James Kenneth Bale, purchased Deposit Bank of Monroe County in 1972.

Deposit Bank’s 83 years of service to rural Kentucky provided Mr. Bale a strong basis to found South Central Bank and to fulfill his dream of providing true community centered banking services to the families, individuals and business people of the local area.

South Central Bank was designed to make a difference in the prosperity of our customers and communities.  Learn more.


We're all about relationships.

We have a unique understanding of those who bank with us. Because of the unique relationship we build with our customers, our lending decisions are much different than most other financial institutions. We personally know those who choose South Central Bank as their banking partner and take great interest in understanding their financial goals. Because of that, we offer more flexibility when making loan decisions.

Meet Don Baker, a customer and local business owner who has been servicing Central Kentucky for 35 years.  Learn More.

Let South Central Bank be your new Banking home.

Our business is supporting business

We believe in the power of strong communities.  And nothing makes a community thrive more than when its local businesses thrive.  During the recent pandemic, South Central Bank helped over 3,300 small businesses remain operational during the economic storm by providing more than $160 million in funding.

Through this effort, thousands of struggling businesses were able to weather the worst of the pandemic and countless jobs were saved. South Central Bank will be there for you and your business.

We are small enough to know you, Big enough to help.  Learn More.

Ready to begin a relationship with us?

Where would you like to begin?

Personal Banking

Safe and secure personal banking solutions that are available in person or online.

Home Financing

Let our loan officers walk you through the financing process and show you how easy it is.

Business Banking

Our business banking solutions are tailored to fit your financial banking needs.

Commercial Lending

We can help with your business start-up and the success that follows.