COVINGTON COUNTY BANK
COVINGTON COUNTY BANK is an FDIC-insured commercial bank headquartered in COLLINS, MS, established in 1975. As of , 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 4.49%. CET1 capital ratio: 19.42%, well above regulatory minimums. NPL ratio: 0.54% · Texas Ratio: 2.94%. Operates 2 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Covington County Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 19.42% | 1.37% | 0.54% | 2.94% | 4.49% |
| 2025-09-30 | 20.86% | 1.15% | 0.59% | 3.02% | 4.30% |
| 2025-06-30 | 18.66% | 1.39% | 0.90% | 4.70% | 4.43% |
| 2025-03-31 | 20.23% | 2.40% | 2.56% | 13.63% | 4.31% |
| 2024-12-31 | 20.03% | 1.74% | 0.87% | 4.96% | 4.28% |
| 2024-09-30 | 20.01% | 1.44% | 0.65% | 3.39% | 4.35% |
| 2024-06-30 | 17.81% | 1.58% | 0.70% | 3.72% | 4.31% |
| 2024-03-31 | 20.44% | 1.35% | 0.81% | 4.37% | 4.45% |
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Frequently asked about COVINGTON COUNTY BANK
What are Covington County Bank's total assets?
As of the Q4 2025 filing, Covington County Bank reported total assets of $104.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Covington County Bank headquartered?
Covington County Bank is headquartered in COLLINS, MS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Covington County Bank founded?
Covington County Bank was established in 1975, per the FDIC institution directory.
Is Covington County Bank FDIC-insured?
Yes. Covington County Bank is an FDIC-insured commercial bank (FDIC Certificate #21998). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Covington County Bank?
Covington County Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Covington County Bank's CET1 capital ratio?
Covington County Bank reported a Common Equity Tier 1 (CET1) capital ratio of 19.42% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Covington County Bank operate?
Covington County Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Covington County Bank's Texas Ratio?
Covington County Bank's Texas Ratio is 2.94% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.