TellerScore

The Covington Savings and Loan Association (FDIC certificate #28063) is based in Covington, Ohio. Its Q2 2026 call report shows $84.0M in total assets and $68.4M in deposits and 3 offices.

The Covington Savings and Loan Association has a TellerScore of 91 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 546 banks with under $100 million in assets. Among 157 banks headquartered in Ohio, it ranks 7th. Capital cushion contributes the most (100/100, 18.60%); earnings contributes the least (60/100, 0.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 18.60%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings60/100
Return on assets (annualized): 0.99%
Funding & liquidity93/100
Loans ÷ deposits and uninsured-deposit share: 66.9% · 9.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (91 → 91).

TellerScore
879093Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202493
Q3 202491
Q4 202492
Q1 202591
Q2 202591
Q3 202591
Q4 202591
Q1 202687
Q2 202691
Tier 1 leverage ratio
5.00%11.83%18.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.79%
Q3 202417.17%
Q4 202417.25%
Q1 202517.39%
Q2 202517.39%
Q3 202518.39%
Q4 202518.41%
Q1 202618.67%
Q2 202618.60%
Noncurrent loans
0.00%0.15%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.05%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.31%
Q2 20260.00%
Return on assets
0.89%1.10%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.30%
Q3 20241.23%
Q4 20241.18%
Q1 20250.95%
Q2 20251.07%
Q3 20251.02%
Q4 20251.00%
Q1 20260.89%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$84.0M18.60%0.00%0.99%66.9%
Q1 202687$82.4M18.67%0.31%0.89%69.1%
Q4 202591$82.7M18.41%0.00%1.00%68.2%
Q3 202591$80.5M18.39%0.00%1.02%70.2%
Q2 202591$81.9M17.39%0.00%1.07%70.0%
Q1 202591$87.0M17.39%0.00%0.95%65.8%
Q4 202492$82.4M17.25%0.00%1.18%69.8%
Q3 202491$81.5M17.17%0.05%1.23%73.8%
Q2 202493$82.9M15.79%0.00%1.30%72.6%

546 peers · Under $100 million in assets

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).

Capital ratio18.60%
82nd
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets0.99%
50th
Net interest margin3.50%
30th
Efficiency ratio66.1%
61st
Loans to deposits66.9%
48th
Uninsured deposits9.9%
77th
Loan-loss reserves0.50%
7th
Texas ratio0.0%
85th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Galion Building and Loan BankBank Galion, OH67 out of 100, Moderate$78.5M11.2%0.58%vs
The First National Bank of BlanchesterBank Blanchester, OH77 out of 100, Strong$77.7M10.6%0.15%vs
Conneaut Savings BankBank Conneaut, OH82 out of 100, Strong$76.7M15.1%0.40%vs
The Ottoville Bank CompanyBank Ottoville, OH95 out of 100, Very strong$93.8M21.4%0.00%vs
Home National BankBank Racine, OH52 out of 100, Below average$95.0M10.5%2.43%vs
The First National Bank of GermantownBank Germantown, OH63 out of 100, Moderate$96.2M8.5%0.47%vs

Deposit insurance

Is my money safe at The Covington Savings and Loan Association?

Yes. The Covington Savings and Loan Association is an FDIC-insured institution (FDIC certificate #28063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.9% of deposits ($6.8M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 18.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

The Covington Savings and Loan Association lists 3 offices in 2 cities. Most locations:

  • Covington, OH (2)
  • Bradford, OH (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Covington Savings and Loan Association reported 28 home-loan applications under HMDA (LEI 2549009FXR8PWETMRA43): 21 originated ($3,055,000 total), 3 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Covington Savings and Loan Association
Former names
Covington Building and Loan Association
Type
Savings bank
FDIC certificate #
28063
RSSD ID
835079
Primary regulator
OCC
Holding company
Covington Financial Corp Mhc
Established
January 1, 1886
Headquarters
117 N High St, Covington, OH 45318
Employees
18

Quick answers

The Covington Savings and Loan Association: common questions

Is The Covington Savings and Loan Association FDIC insured?

Yes. The Covington Savings and Loan Association is an FDIC-insured institution (FDIC certificate #28063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Covington Savings and Loan Association's TellerScore?

91 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Covington Savings and Loan Association ever failed?

There is no failure record for FDIC certificate #28063 in the FDIC failed bank list.

How many branches does The Covington Savings and Loan Association have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Covington

InstitutionScoreAssetsCapitalProblem loansCompare
Members Choice Credit UnionCredit union Greenville, OH92 out of 100, Very strong$38.9M17.9%0.44%vs
The St. Henry BankBank St. Henry, OH92 out of 100, Very strong$435.6M13.6%0.10%vs
Versailles Savings and Loan CompanyBank Versailles, OH89 out of 100, Very strong$65.6M19.3%0.00%vs
The First Central National Bank of St. ParisBank St. Paris, OH87 out of 100, Very strong$97.0M18.9%0.02%vs
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
The Peoples Bank Co.Bank Coldwater, OH85 out of 100, Very strong$859.2M11.9%0.13%vs