BlastPoint's Banking Scorecard
Covington County Bank
Micro
Specialty: Agricultural
MS
FDIC cert 21998
Designations: ✓ Community bank
Collins, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
Covington County Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$104.5M
+4.9% YoY
+0.4% QoQ
|
-$113.0M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$73.1M
+4.6% YoY
+1.5% QoQ
|
-$66.1M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$89.9M
+4.2% YoY
+1.4% QoQ
|
-$93.8M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
1.57%
+2.6% YoY
-4.2% QoQ
|
+0.49% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
4.53%
+0.1% YoY
+0.8% QoQ
|
+0.68% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
59.21%
-0.6% YoY
+6.3% QoQ
|
-8.51% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
2.28%
+80.5% YoY
+67.9% QoQ
|
+1.64% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
81.31%
+0.4% YoY
+0.1% QoQ
|
+6.79% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
17.07%
-1.5% YoY
-7.7% QoQ
|
-5.32% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
1.59%
+80.1% YoY
+69.6% QoQ
|
+1.14% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
19.42%
-3.0% YoY
-6.9% QoQ
|
+10.57% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
0.88%
-8.4% YoY
+17.2% QoQ
|
+0.32% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.56%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.42% · Tier avg: 8.85%
80
80th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.85%
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.08%
69
69th pctile
Efficiency Ratio
Current: 59.21% · Tier avg: 67.73%
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.31% · Tier avg: 74.53%
31
31th pctile
Total Loans
Current: $73.1M · Tier avg: $139.2M
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.07% · Tier avg: 22.39%
25
25th pctile
Total Deposits
Current: $89.9M · Tier avg: $183.7M
24
24th pctile
Total Assets
Current: $104.5M · Tier avg: $217.5M
11
11th pctile
Delinquency Rate
Current: 2.28% · Tier avg: 0.64%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.59% · Tier avg: 0.45%
Top Weaknesses
11
11th pctile
Nonperforming Asset Ratio
Current: 1.59% · Tier avg: 0.45%
11
11th pctile
Delinquency Rate
Current: 2.28% · Tier avg: 0.64%
24
24th pctile
Total Assets
Current: $104.5M · Tier avg: $217.5M
25
25th pctile
Total Deposits
Current: $89.9M · Tier avg: $183.7M
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.07% · Tier avg: 22.39%
31
31th pctile
Total Loans
Current: $73.1M · Tier avg: $139.2M
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.31% · Tier avg: 74.53%
69
69th pctile
Efficiency Ratio
Current: 59.21% · Tier avg: 67.73%
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.08%
80
80th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.85%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.42% · Tier avg: 8.85%
90
90th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.56%