BlastPoint's Banking Scorecard
The Covington Savings and Loan Association
Designations: ✓ Community bank
Covington, OH
3 branches across OH
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits +2.1% year over year ($68.4M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.99%.
- Efficiency ratio 66.12% vs a 119.40% peer average.
- Loan-to-deposit ratio 66.91% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Covington Savings and Loan Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 53.28% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.41% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$84.0M
+2.6% YoY
+2.0% QoQ
|
+$21.6M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$45.8M
-2.4% YoY
-1.2% QoQ
|
+$10.9M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
70% |
| Total Deposits ? |
$68.4M
+2.1% YoY
+2.1% QoQ
|
+$16.8M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
72% |
| Return on Assets ? |
0.99%
-7.7% YoY
+11.3% QoQ
|
-0.01% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
50% |
| Net Interest Margin ? |
3.50%
-1.3% YoY
+2.5% QoQ
|
-0.41% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
29% |
| Efficiency Ratio ? |
66.12%
+4.0% YoY
-4.0% QoQ
|
-53.28% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
61% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-1.48% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
66.91%
-4.4% YoY
-3.2% QoQ
|
-7.30% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
13.87%
-0.8% YoY
+11.1% QoQ
|
-9.62% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.84% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
18.60%
+6.9% YoY
-0.4% QoQ
|
-8.53% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.11%
+2.0% YoY
+100.6% QoQ
|
-1.27% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
43% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.9%
-0.1pp YoY +1.4pp QoQ |
-10.8pp | 24.6% | 18.8% | 22.2% | 17% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | 0.2% | -13.2pp | 13.4% | 10.2% | 12.5% | 1% |
| CRE | n/a | n/a | 25.2% | 34.2% | 41.4% | n/a |
| 1-4 Family |
90.4%
+0.2pp YoY -0.3pp QoQ |
+55.4pp | 35.0% | 50.0% | 31.3% | 96% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-7.6pp | 7.7% | 4.7% | 5.0% | 1% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
18.6%
+1.2pp YoY -0.1pp QoQ |
+0.9pp | 17.7% | 12.9% | 12.6% | 82% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
-1 (-5.3%) YoY 0 QoQ |
+6 | 12 | 2,433 | 482 | 84% |
| Assets per Employee ($) |
$4.7M
+8.3% YoY +2.0% QoQ |
-$1.5M | $6.2M | $7.6M | $8.8M | 30% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 81 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.6% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 18.95x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.4%
-0.8pp YoY +0.6pp QoQ |
-1.0pp | 6.4% | 9.7% | 11.6% | 35% |
| Cost of Funds (YTD) |
0.6%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 1.7% | 1.7% | 9% |
| Net Income ($, YTD) |
$412,000
-8.4% YoY — QoQ |
+$94K | $317,817 | $259.3M | $40.4M | 66% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.