Covington County Bank (FDIC certificate #21998) is based in Collins, Mississippi. Its Q2 2026 call report shows $109.2M in total assets and $93.9M in deposits and 2 offices.
Covington County Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 14th. Capital cushion contributes the most (88/100, 13.76%); loan quality contributes the least (67/100, 0.99%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (69 → 77), mostly because the loan quality component improved by 56 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 82 |
| Q4 2024 | 77 |
| Q1 2025 | 63 |
| Q2 2025 | 69 |
| Q3 2025 | 80 |
| Q4 2025 | 68 |
| Q1 2026 | 78 |
| Q2 2026 | 77 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.19% |
| Q3 2024 | 13.97% |
| Q4 2024 | 13.51% |
| Q1 2025 | 13.37% |
| Q2 2025 | 14.21% |
| Q3 2025 | 14.40% |
| Q4 2025 | 13.49% |
| Q1 2026 | 13.44% |
| Q2 2026 | 13.76% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.88% |
| Q4 2024 | 1.25% |
| Q1 2025 | 3.94% |
| Q2 2025 | 2.67% |
| Q3 2025 | 1.35% |
| Q4 2025 | 2.26% |
| Q1 2026 | 0.95% |
| Q2 2026 | 0.99% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.46% |
| Q3 2024 | 1.45% |
| Q4 2024 | 1.53% |
| Q1 2025 | 2.40% |
| Q2 2025 | 1.89% |
| Q3 2025 | 1.64% |
| Q4 2025 | 1.57% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $109.2M | 13.76% | 0.99% | 1.42% | 86.1% |
| Q1 2026 | 78 | $108.8M | 13.44% | 0.95% | 1.37% | 80.9% |
| Q4 2025 | 68 | $104.5M | 13.49% | 2.26% | 1.57% | 81.3% |
| Q3 2025 | 80 | $104.1M | 14.40% | 1.35% | 1.64% | 81.2% |
| Q2 2025 | 69 | $103.4M | 14.21% | 2.67% | 1.89% | 79.6% |
| Q1 2025 | 63 | $102.4M | 13.37% | 3.94% | 2.40% | 79.0% |
| Q4 2024 | 77 | $99.6M | 13.51% | 1.25% | 1.53% | 81.0% |
| Q3 2024 | 82 | $103.2M | 13.97% | 0.88% | 1.45% | 78.6% |
| Q2 2024 | 83 | $100.0M | 14.19% | 0.74% | 1.46% | 77.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of WinonaBank Winona, MS | 75 out of 100, Strong | $142.7M | 13.1% | 1.30% | vs |
| Commerce BankBank Corinth, MS | 74 out of 100, Strong | $167.9M | 12.5% | 1.72% | vs |
| Bank of AnguillaBank Anguilla, MS | 65 out of 100, Moderate | $192.2M | 14.7% | 2.66% | vs |
| Merchants and Planters BankBank Raymond, MS | 91 out of 100, Very strong | $199.0M | 18.2% | 0.00% | vs |
| The Jefferson BankBank Greenville, MS | 90 out of 100, Very strong | $210.8M | 16.6% | 0.38% | vs |
| Bank of WigginsBank Wiggins, MS | 65 out of 100, Moderate | $228.1M | 12.9% | 1.75% | vs |
Deposit insurance
Is my money safe at Covington County Bank?
Yes. Covington County Bank is an FDIC-insured institution (FDIC certificate #21998). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.8% of deposits ($12.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.09% (benchmark: 10%).
2 locations
Branches
Covington County Bank lists 2 offices in 2 cities. Most locations:
- Collins, MS (1)
- Seminary, MS (1)
Identity & history
Profile
- Legal name
- Covington County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 21998
- RSSD ID
- 697035
- Primary regulator
- FDIC
- Holding company
- Covington Capital Corp
- Established
- May 1, 1975
- Headquarters
- 102 S Dogwood Ave, Collins, MS 39428
- Website
- www.covcobank.com
- Employees
- 21
Quick answers
Covington County Bank: common questions
Is Covington County Bank FDIC insured?
Yes. Covington County Bank is an FDIC-insured institution (FDIC certificate #21998). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Covington County Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Covington County Bank ever failed?
There is no failure record for FDIC certificate #21998 in the FDIC failed bank list.
How many branches does Covington County Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Collins
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens BankBank Columbia, MS | 90 out of 100, Very strong | $466.3M | 13.5% | 0.33% | vs |
| Sunbelt Federal Credit UnionCredit union Hattiesburg, MS | 85 out of 100, Very strong | $366.4M | 16.2% | 0.39% | vs |
| First Southern BankBank Columbia, MS | 83 out of 100, Strong | $317.3M | 10.6% | 0.00% | vs |
| PriorityOne BankBank Magee, MS | 70 out of 100, Strong | $1.2B | 11.9% | 1.58% | vs |
| BankFirst Financial ServicesBank Columbus, MS | 69 out of 100, Moderate | $3.3B | 10.9% | 0.77% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |