Covington County Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Risk-weighted assets: 9.6% higher than in Q1 2026, at $85.5M. Covington County Bank ranks 8th of 20 Mississippi banks on CET1 ratio, in the upper half at 17.47% (Q2 2026). Covington County Bank reported 17.47% on CET1 ratio for Q2 2026, 2.40 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.47% |
| Tier 1 risk-based capital ratio | 17.47% |
| Total risk-based capital ratio | 18.09% |
| Tier 1 leverage ratio | 13.76% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $14.9M |
| Tier 1 capital | $14.9M |
| Total risk-based capital | $15.5M |
| Total equity capital | $13.6M |
| Risk-weighted assets | $85.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.48% |
| Tangible equity to tangible assets | 12.48% |
| Equity capital to average assets | 12.55% |
| Internal capital growth rate | 12.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $563K |
| Common stock surplus | $5.9M |
| Retained earnings | $8.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 23.06% | 23.06% | 24.02% | 15.63% | $62.6M |
| Q4 2023 | 20.36% | 20.36% | 21.34% | 13.73% | $64.2M |
| Q1 2024 | 20.44% | 20.44% | 21.47% | 13.19% | $65.5M |
| Q2 2024 | 17.81% | 17.81% | 18.70% | 14.19% | $77.3M |
| Q3 2024 | 20.01% | 20.01% | 20.98% | 13.97% | $70.7M |
| Q4 2024 | 20.03% | 20.03% | 21.02% | 13.51% | $68.1M |
| Q1 2025 | 20.23% | 20.23% | 21.09% | 13.37% | $70.4M |
| Q2 2025 | 18.66% | 18.66% | 19.43% | 14.21% | $78.3M |
| Q3 2025 | 20.86% | 20.86% | 21.68% | 14.40% | $71.4M |
| Q4 2025 | 19.42% | 19.42% | 20.15% | 13.49% | $73.0M |
| Q1 2026 | 18.65% | 18.65% | 19.32% | 13.44% | $78.0M |
| Q2 2026 | 17.47% | 17.47% | 18.09% | 13.76% | $85.5M |
Covington County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Covington County Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Covington County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21998) · FFIEC NIC profile (RSSD 697035)