The Covington Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Covington Savings and Loan Association of Covington, OH against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.10% | 3.14% | -2.04% | 53rd above |
| ROAE | 5.99% | 10.43% | -4.44% | 36th below |
| Net Interest Margin | 3.62% | 3.93% | -0.31% | 36th below |
| Efficiency Ratio | 63.21% | 76.33% | -13.12% | 64th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.37% | 1.40% | -0.03% | 57th above |
| Yield on Earning Assets | 4.22% | 5.35% | -1.13% | 16th bottom |
| Cost of Funds | 0.73% | 1.71% | -0.98% | 90th top |
| Net Interest Spread | 3.38% | 3.31% | +0.07% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.50% | 1.49% | -0.99% | 3rd bottom |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.60% | 17.60% | +1.00% | 77th top |
| Equity / Assets | 18.24% | 16.42% | +1.82% | 77th top |
| TCE / Tangible Assets | 18.24% | 16.17% | +2.07% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.24% | 72.84% | -5.60% | 50th above |
| Core Deposit Ratio | 98.58% | 88.19% | +10.39% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.64% | 4.31% | -1.67% | 49th below |
| Loan Growth (Y/Y) | -2.36% | 6.74% | -9.10% | 30th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.09% | 3.77% | -1.68% | 50th above |
See The Covington Savings and Loan Association's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Covington Savings and Loan Association, 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 The Covington Savings and Loan Association profile, how to read a UBPR, or how this data updates.