Covington County Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 22.42 percentage points higher than in Q1 2026, at 757.14%. Within Mississippi, Covington County Bank is 16th of 57 on return on assets, 1.47% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Covington County Bank sits 0.22 points higher, at 1.47% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.47% |
| Tier 1 risk-based capital ratio | 17.47% |
| Total risk-based capital ratio | 18.09% |
| Tier 1 leverage ratio | 13.76% |
| Equity capital to assets | 12.48% |
| Tangible equity to tangible assets | 12.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.78% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 11.24% |
| Allowance for credit losses to loans | 0.65% |
| Reserve coverage of non-performing loans | 757.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.47% |
| Return on equity | 11.90% |
| Net interest margin | 4.72% |
| Efficiency ratio | 57.46% |
| Yield on earning assets | 6.49% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.71% |
| Core deposits to total deposits | 84.48% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.98% |
| Securities to assets | 11.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.06% | 23.06% | 24.02% | 15.63% | 20.70% |
| Q4 2023 | 20.36% | 20.36% | 21.34% | 13.73% | -2.93% |
| Q1 2024 | 20.44% | 20.44% | 21.47% | 13.19% | 1.29% |
| Q2 2024 | 17.81% | 17.81% | 18.70% | 14.19% | 1.59% |
| Q3 2024 | 20.01% | 20.01% | 20.98% | 13.97% | 1.44% |
| Q4 2024 | 20.03% | 20.03% | 21.02% | 13.51% | 1.75% |
| Q1 2025 | 20.23% | 20.23% | 21.09% | 13.37% | 2.27% |
| Q2 2025 | 18.66% | 18.66% | 19.43% | 14.21% | 1.39% |
| Q3 2025 | 20.86% | 20.86% | 21.68% | 14.40% | 1.15% |
| Q4 2025 | 19.42% | 19.42% | 20.15% | 13.49% | 1.36% |
| Q1 2026 | 18.65% | 18.65% | 19.32% | 13.44% | 1.35% |
| Q2 2026 | 17.47% | 17.47% | 18.09% | 13.76% | 1.47% |
Covington County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Covington County Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)