COVINGTON COUNTY BANK

COLLINS, MS | Small | Est. May 1, 1975, midnight | FDIC #21998 | RSSD #697035 | FDIC
Latest Report: 2025-12-31

COVINGTON COUNTY BANK is asn small FDIC-insured commercial bank headquartered in COLLINS, MS, established in May 1, 1975, midnight. As of 2025-12-31, the bank reported total assets of $104M and total deposits of $90M. Profitability stands at 1.37% ROA and 10.79% ROE, with a net interest margin of 4.72%. The bank's CET1 capital ratio is 19.42%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.54% and a Texas Ratio of 2.94%. FDIC Certificate #21998.

Assets

$104M

Deposits

$90M

Loans

$74M

Equity

$13M

Profitability

Return on Assets (ROA) 1.37%
Return on Equity (ROE) 10.79%
Net Interest Margin (NIM) 4.72%
Yield on Assets 6.68%
Cost of Funds 2.11%

Asset Quality

NPL Ratio 0.54%
Net Charge-Off Ratio 0.19%
Texas Ratio 2.94%
NPA Ratio 0.38%
ACL / Loans 0.72%

Capital & Liquidity

CET1 Ratio 19.42%
Tier 1 Capital 19.42%
Total Capital Ratio 20.15%
Leverage Ratio 13.49%
Loan-to-Deposit 81.91%

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