Covington Savings and Loan Association, The
Covington, OH · Cert 28063 · Peer group: banks under $1B in assets (n=581-629) · Covington Financial Corp. MHC
State savings bank · OCC · 3 branches
Q2 2026
$84.0MAssets
$46.0MLoans
$68.4MDeposits
$15.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: return on equity trails 75% of banks under $1B in assets (rank 472 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.98%
Rank 330 of 629
Net Interest Margin
3.43%
Rank 346 of 629
Efficiency Ratio
66.12%
Rank 279 of 629
Equity / Assets
18.24%
Rank 92 of 629
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 56% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.60% | 1.01% | 1.45% | Beats 48% | 330 / 629 | |
| Return on Equity | 5.38% | 5.38% | 9.30% | 13.28% | Beats 25% | 472 / 629 | |
| Net Interest Margin | 3.43% | 3.03% | 3.54% | 4.05% | Beats 45% | 346 / 629 | |
| Efficiency Ratio | 66.12% | 58.35% | 67.79% | 79.08% | Beats 56% | 279 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 18.60% | 11.24% | 13.84% | 18.77% | Beats 74% | 161 / 629 | |
| Total Risk-Based Capital Ratio | 18.60% | 11.58% | 14.43% | 19.66% | Beats 72% | 177 / 629 | |
| Equity / Assets | 18.24% | 9.09% | 10.65% | 13.80% | Beats 85% | 92 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 67.24% | 67.24% | 80.90% | 93.48% | 25th pctl | 446 / 594 | |
| Loans / Assets | 54.74% | 53.31% | 67.71% | 78.15% | 27th pctl | 461 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |