Covington County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Covington County Bank of Collins, MS against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.47% | 1.35% | +0.12% | 61st above |
| ROAE | 11.90% | 12.05% | -0.15% | 47th below |
| Net Interest Margin | 4.72% | 3.90% | +0.82% | 86th top |
| Efficiency Ratio | 57.46% | 63.15% | -5.69% | 62nd above |
| PPNR / Avg Assets | 2.10% | 1.64% | +0.46% | 76th top |
| Yield on Earning Assets | 6.49% | 5.65% | +0.84% | 87th top |
| Cost of Funds | 2.10% | 1.85% | +0.25% | 32nd below |
| Net Interest Spread | 4.12% | 3.35% | +0.77% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.92% | -0.83% | 74th above |
| NPA / Total Assets | 0.78% | 0.67% | +0.11% | 27th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 82nd top |
| ACL / Total Loans | 0.65% | 1.28% | -0.63% | 6th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 757.14% | 1645.52% | -888.38% | 79th top |
| Texas Ratio | 11.24% | 7.15% | +4.09% | 19th bottom |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.47% | 20.83% | -3.36% | 66th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.47% | 20.86% | -3.39% | 66th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.09% | 21.94% | -3.85% | 63rd above |
| Leverage Ratio | 13.76% | 12.46% | +1.30% | 80th top |
| Equity / Assets | 12.48% | 11.67% | +0.81% | 75th top |
| TCE / Tangible Assets | 12.48% | 11.40% | +1.08% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.71% | 78.64% | +8.07% | 36th below |
| Core Deposit Ratio | 84.48% | 87.09% | -2.61% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.55% | 6.47% | -0.92% | 59th above |
| Loan Growth (Y/Y) | 14.22% | 7.64% | +6.58% | 85th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.73% | 6.02% | -0.29% | 62nd above |
See Covington County Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Covington County Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Covington County Bank profile, how to read a UBPR, or how this data updates.