The Covington Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
The Covington Savings and Loan Association is an FDIC-insured savings institution headquartered in Covington, OH, established in 1886 (FDIC certificate 28063), and it is supervised by the OCC. At Q2 2026 it reported total assets of $84.0M, up 2.6% from Q2 2025, the 137th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.60% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28063
- Headquarters
- Covington, OH
- Established
- 1886
- Total assets, Q2 2026
- $84.0M
- Assets vs Q2 2025
- +2.6%
- Tier 1 leverage ratio, Q2 2026
- 18.60%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 242271969
- Latest call report
- Q2 2026, FFIEC 051 · The Covington Savings and Loan Association call report
- Holding company
- COVINGTON FINANCIAL CORPORATION
- Asset rank in state
- 137th of 154 in Ohio
The Covington Savings and Loan Association, based in Covington, Ohio, reported $84 million in assets at June 30, 2026, up 2.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also pays an average of 0.73% on its deposits and borrowings, about half the median of 1.53% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 2.4% and deposits rose 2.1%.
As of June 30, 2026, The Covington Savings and Loan Association reported a return on assets of 1.10%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, The Covington Savings and Loan Association is the 137th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.0% to $84.0M, loans fell 1.2% and deposits rose 2.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 89.9% of total loans, followed by farmland and other real estate loans at 7.1%. Its 3 offices in the FDIC Summary of Deposits are in Covington, OH and Bradford, OH; its Covington 2 offices book 86% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Covington Savings and Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 117 N High St, Covington, OH 45318
- County
- Miami
- Metro Area
- Dayton-Kettering-Beavercreek, OH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1886
- Former names
- The Covington Savings and Loan Association (1984)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $68.4M
- Allowance for credit losses
- $228K
- Net charge-offs (YTD)
- $0
- Average total assets
- $83.1M
- Average total loans
- $46.4M
- Average interest-bearing deposits
- $59.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28063
- Fed RSSD
- 835079
- Parent Holding Company
- COVINGTON FINANCIAL CORPORATION (RSSD 3828148)
- Ultimate Parent
- COVINGTON FINANCIAL CORPORATION, MHC (RSSD 3828120)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Covington Savings and Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Covington Savings and Loan Association's total assets ranged from $80.5M (Q3 2025) to $88.2M (Q4 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$84.0M total assets against $81.9M; $68.7M total liabilities against $67.3M.
$45.8M net loans and leases against $46.9M; $68.4M total deposits against $67.0M.
$19.3M securities against $15.6M; $17.9M cash and balances due against $18.4M.
$859K total interest income against $886K; $124K total interest expense against $129K.
$735K net interest income against $757K.
$46K total noninterest income against $44K; $496K total noninterest expense against $491K.
$0 provision for credit losses against $0.
$228K net income against $248K.
1.10% return on assets against 1.18%; 3.62% net interest margin against 3.67%.
18.60% tier 1 leverage ratio against 17.39%.
Inside the full The Covington Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.90% (Q3 2025) to 1.18% (Q2 2025) and its net interest margin ran from 3.43% (Q1 2025) to 3.67% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.60% | 1.10% | 0.00% | 0.00% | 3.62% |
| Q1 2026 | 18.67% | 0.90% | 0.31% | 0.94% | 3.47% |
| Q4 2025 | 18.41% | 0.96% | 0.00% | 0.00% | 3.60% |
| Q3 2025 | 18.39% | 0.90% | 0.00% | 0.00% | 3.53% |
| Q2 2025 | 17.39% | 1.18% | 0.00% | 0.00% | 3.67% |
| Q1 2025 | 17.39% | 0.97% | 0.00% | 0.00% | 3.43% |
| Q4 2024 | 17.25% | 1.04% | 0.00% | 0.00% | 3.55% |
| Q3 2024 | 17.17% | 1.09% | 0.05% | 0.17% | 3.60% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Covington Savings and Loan Association | Covington , OH | 45318 | $57.3M |
| East Main Street Branch | Bradford , OH | 45308 | $9.6M |
| East Broadway Branch | Covington , OH | 45318 | $1.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 159 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 28 applications, 21 loans originated, $3.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Covington Savings and Loan Association
What are The Covington Savings and Loan Association's total assets?
As of the Q2 2026 filing, The Covington Savings and Loan Association reported total assets of $84.0 million in its FFIEC call report.
Where is The Covington Savings and Loan Association headquartered?
It is headquartered in Covington, OH, United States.
When was The Covington Savings and Loan Association founded?
It was established in 1886, per the FDIC institution directory.
Is The Covington Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Covington Savings and Loan Association?
The Covington Savings and Loan Association's primary federal regulator is the OCC.
How many branches does The Covington Savings and Loan Association operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Covington Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Covington Savings and Loan Association previously called?
The charter now named The Covington Savings and Loan Association has also operated as The Covington Savings and Loan Association (1984), per FDIC structure-change records.
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