| Metric | Covington County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +5.7% | +4.0% | +1.8 pts |
| Loan growth (YoY) | +14.4% | +5.6% | +8.9 pts |
| ROA | 1.42% | 1.24% | +0.2 pts |
| ROE | 11.6% | 11.9% | -0.3 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $109.2M | $93.9M | $80.9M | $13.6M | $765K | 1.42% | 4.65% | 1.46% |
| Q1 2026 | $108.8M | $93.7M | $75.9M | $13.2M | $366K | 1.37% | 4.54% | 0.67% |
| Q4 2025 | $104.5M | $89.9M | $73.1M | $12.9M | $1.6M | 1.57% | 4.53% | 1.59% |
| Q3 2025 | $104.1M | $88.6M | $72.0M | $13.5M | $1.3M | 1.64% | 4.50% | 0.94% |
| Q2 2025 | $103.4M | $88.8M | $70.7M | $13.0M | $963K | 1.89% | 4.57% | 1.84% |
| Q1 2025 | $102.4M | $88.0M | $69.5M | $12.6M | $606K | 2.40% | 4.53% | 2.70% |
| Q4 2024 | $99.6M | $86.2M | $69.8M | $11.8M | $1.5M | 1.53% | 4.53% | 0.88% |
| Q3 2024 | $103.2M | $87.6M | $68.9M | $12.7M | $1.1M | 1.45% | 4.55% | 0.59% |
Loan mix (Q2 2026): real estate $62.8M · commercial $8.0M · consumer $4.1M · securities $13.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Covington County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.24% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 62.9% | 37th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Covington County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Covington County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Covington County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Covington County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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