The Covington Savings and Loan Association: 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%.
Compared with Q1 2026, Retained earnings rose 3.5% in Q2 2026 to $6.8M, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.60% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $15.5M |
| Tier 1 capital | $15.5M |
| Total risk-based capital | — |
| Total equity capital | $15.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.24% |
| Tangible equity to tangible assets | 18.24% |
| Equity capital to average assets | 18.44% |
| Internal capital growth rate | 6.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $8.7M |
| Retained earnings | $6.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$131K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 14.89% | 15.11% | 15.11% |
| Q4 2023 | 15.16% | 14.86% | 14.86% |
| Q1 2024 | 15.29% | 15.38% | 15.38% |
| Q2 2024 | 15.79% | 16.49% | 16.49% |
| Q3 2024 | 17.17% | 17.07% | 17.07% |
| Q4 2024 | 17.25% | 17.15% | 17.15% |
| Q1 2025 | 17.39% | 16.48% | 16.48% |
| Q2 2025 | 17.39% | 17.81% | 17.81% |
| Q3 2025 | 18.39% | 18.34% | 18.34% |
| Q4 2025 | 18.41% | 18.09% | 18.09% |
| Q1 2026 | 18.67% | 18.37% | 18.37% |
| Q2 2026 | 18.60% | 18.24% | 18.24% |
The Covington Savings and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Covington Savings and Loan Association, 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 The Covington Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28063) · FFIEC NIC profile (RSSD 835079)