BlastPoint's Banking Scorecard
Covington County Bank
Designations: ✓ CDFI-certified
Collins, MS
2 branches across MS
Covington County Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.10% above tier average
- + Net Interest Margin 0.60% above tier average
- + Efficiency Ratio 6.02% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 15.4% in tier
- - Liquidity Overhang: Bottom 41.8% in tier
- - Cost Spiral: Bottom 61.1% in tier
- - Delinquency Rate 0.07% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$108.8M
+6.2% YoY
+4.1% QoQ
|
-$277.3M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.5% in tier |
| Total Loans ? |
$75.9M
+9.1% YoY
+3.8% QoQ
|
-$179.9M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 9.4% in tier |
| Total Deposits ? |
$93.7M
+6.5% YoY
+4.3% QoQ
|
-$234.2M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.8% in tier |
| Return on Assets ? |
1.37%
-42.8% YoY
-12.7% QoQ
|
+0.10% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
60% |
| Net Interest Margin ? |
4.54%
+0.0% YoY
+0.0% QoQ
|
+0.60% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
83% |
| Efficiency Ratio ? |
59.27%
+29.3% YoY
+0.1% QoQ
|
-6.02% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
0.96%
-75.8% YoY
-57.8% QoQ
|
+0.07% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
80.92%
+2.4% YoY
-0.5% QoQ
|
+4.28% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
17.56%
-1.8% YoY
+2.9% QoQ
|
-4.46% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.67%
-75.2% YoY
-57.9% QoQ
|
+0.03% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
18.65%
-7.9% YoY
-4.0% QoQ
|
+2.81% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.14%
-70.1% YoY
-84.4% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
70% |
Get Full Access to Covington County Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.