Bank Comparison
Covington Savings and Loan Association, the vs Raymond James Trust, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 9
winning metrics across 14 comparable rows
Capital adequacy
| Metric | Covington Savings and Loan Association, the | Raymond James Trust, N.A. |
|---|---|---|
| CET1 Ratio | — | 221.35% |
| Tier 1 Capital Ratio | — | 221.35% |
| Total Capital Ratio | — | 221.35% |
| Tier 1 Leverage Ratio | 18.67% | 75.68% |
| Equity / Assets | 18.37% | 83.82% |
Profitability
| Metric | Covington Savings and Loan Association, the | Raymond James Trust, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.90% | 19.86% |
| Return on Equity (ROE) | 4.89% | 25.24% |
| Net Interest Margin (NIM) | 3.47% | 3.22% |
| Yield on Earning Assets | 4.07% | 3.22% |
| Cost of Funds | 0.72% | — |
Asset quality
| Metric | Covington Savings and Loan Association, the | Raymond James Trust, N.A. |
|---|---|---|
| Texas Ratio | 0.94% | 0.00% |
| Non-Performing Loan Ratio | 0.31% | — |
| Non-Performing Asset Ratio | 0.17% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 0.49% | — |
Balance sheet
| Metric | Covington Savings and Loan Association, the | Raymond James Trust, N.A. |
|---|---|---|
| Total Assets | $82,394K | $82,318K |
| Total Deposits | $67,033K | $0 |
| Total Loans | $46,553K | $0 |
| Total Equity | $15,134K | $68,996K |
| Net Income (quarter) | $184 | $4,527K |
Liquidity & funding
| Metric | Covington Savings and Loan Association, the | Raymond James Trust, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 69.45% | — |
| Core Deposit Ratio | 98.93% | — |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Covington Savings and Loan Association, the | Raymond James Trust, N.A. |
|---|---|---|
| Headquarters City | COVINGTON | SAINT PETERSBURG |
| Headquarters State | OH | FL |
| Asset Tier | Micro | Micro |
| Charter Class | 700827 | — |
| Regulator | OCC | — |
| Domestic Branches | 3 | — |
| Employees (FTE) | 18 | 162 |
| Established | Jan. 1, 1886, midnight | — |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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