The Covington Savings and Loan Association: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.21 percentage points lower than in Q1 2026, at 67.24%. Within Ohio, The Covington Savings and Loan Association is 125th of 156 on loan-to-deposit ratio, 67.24% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; The Covington Savings and Loan Association reported 67.24% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.24% |
| Net loans and leases to deposits | 66.91% |
| Loans and leases to core deposits | 68.21% |
| Core deposits to total deposits | 98.58% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 68.76% | 99.54% | $0 | $0 |
| Q4 2023 | 65.25% | 99.50% | $0 | $0 |
| Q1 2024 | 66.84% | 99.50% | $0 | $0 |
| Q2 2024 | 72.91% | 99.46% | $0 | $0 |
| Q3 2024 | 74.13% | 99.45% | $0 | $0 |
| Q4 2024 | 70.10% | 99.00% | $0 | $0 |
| Q1 2025 | 66.15% | 99.06% | $0 | $0 |
| Q2 2025 | 70.31% | 98.97% | $0 | $0 |
| Q3 2025 | 70.59% | 98.94% | $0 | $0 |
| Q4 2025 | 68.54% | 98.95% | $0 | $0 |
| Q1 2026 | 69.45% | 98.93% | $0 | $0 |
| Q2 2026 | 67.24% | 98.58% | $0 | $0 |
The Covington Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Covington Savings and Loan Association, freeSource: Call Report Schedules RC and RC-M, 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)