Covington County Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 7.66 percentage points in Q2 2026, from 53.73% to 61.39%. It was the largest change from Q1 2026 among the key lines here. Covington County Bank ranks 12th of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 86.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Covington County Bank sits 5.88 points higher, at 86.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $81.4M |
| Net loans and leases | $80.9M |
| Loans held for sale | $0 |
| Loans to total assets | 74.56% |
| Loan-to-deposit ratio | 86.71% |
| Net loans to equity capital | 5.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.14% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.81% |
| Consumer | 5.02% |
| Credit cards | 0.00% |
| Farm | 33.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.23% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 61.39% |
| Construction concentration (Tier 1 capital + allowance) | 33.32% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.62% |
| Interest income on loans | $1.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $60.4M | $85.3M | 21.26% | 17.11% | 7.14% |
| Q4 2023 | $60.8M | $84.1M | 21.86% | 17.87% | 6.87% |
| Q1 2024 | $65.5M | $82.4M | 20.92% | 17.29% | 6.54% |
| Q2 2024 | $66.6M | $85.6M | 21.35% | 16.59% | 6.53% |
| Q3 2024 | $69.5M | $87.6M | 20.61% | 14.84% | 6.23% |
| Q4 2024 | $70.5M | $86.2M | 21.05% | 14.08% | 6.05% |
| Q1 2025 | $70.2M | $88.0M | 21.35% | 13.57% | 6.16% |
| Q2 2025 | $71.3M | $88.8M | 20.09% | 12.88% | 6.12% |
| Q3 2025 | $72.6M | $88.6M | 20.61% | 12.86% | 6.16% |
| Q4 2025 | $73.6M | $89.9M | 20.43% | 12.10% | 6.15% |
| Q1 2026 | $76.4M | $93.7M | 18.88% | 10.75% | 5.30% |
| Q2 2026 | $81.4M | $93.9M | 16.14% | 9.81% | 5.02% |
Covington County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Covington County Bank, freeSource: Call Report Schedule RC-C, 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)