BlastPoint's Banking Scorecard

The Covington Savings and Loan Association

under $100M Specialty: Mortgage OH FDIC cert 28063

Designations: ✓ Community bank

Covington, OH

3 branches across OH

541 banks in the under $100M peer group nationally 23 in OH

The Covington Savings and Loan Association has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.06% above tier average
+ Efficiency Ratio 19.46% below tier average
+ Delinquency Rate 1.06% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.44% below tier average

Get updates when The Covington Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$82.4M -5.3% YoY -0.4% QoQ	+$20.2M	$62.2M -0.6% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	74%
Total Loans ?	$46.3M -2.9% YoY +0.6% QoQ	+$12.1M	$34.2M -1.4% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	71%
Total Deposits ?	$67.0M -7.5% YoY -0.7% QoQ	+$15.3M	$51.7M -0.7% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	70%
Return on Assets ?	0.89% -6.6% YoY -10.8% QoQ	+0.06%	0.84% -2.3% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	47%
Net Interest Margin ?	3.42% +1.7% YoY -3.4% QoQ	-0.44%	3.86% +2.8% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	29%
Efficiency Ratio ?	68.89% +4.3% YoY +4.1% QoQ	-19.46%	88.34% +0.3% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	0.31%	-1.06%	1.37% +33.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	53%
Loan-to-Deposit Ratio ?	69.11% +5.0% YoY +1.3% QoQ	+4.89%	64.22% -0.7% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	44%
Non-Interest-Bearing Deposit Share ?	12.48% +0.8% YoY -4.9% QoQ	-11.23%	23.71% +0.3% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	19%
Nonperforming Asset Ratio ?	0.17%	-0.61%	0.79% +28.2% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	54%
Tier 1 Capital Ratio ?	18.67% +7.4% YoY +1.4% QoQ	-8.02%	26.68% +2.0% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.05% +10.6% YoY -74.6% QoQ	-0.61%	0.67% +1.9% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	46%

Get Full Access to The Covington Savings and Loan Association

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

441

Non-Interest-Bearing Deposit Share

funding

Value: 12.48%

Peer Median: 23.71%

#441 of 541 Bottom 18.7% in under $100M