Side-by-side · Q2 2026 data
The Farmers State Bank vs The Covington Savings and Loan Association
Bank
The Covington Savings and Loan Association
Covington, Ohio · Under $100 million in assets
Metric by metric
| Measure | The Farmers State Bank | The Covington Savings and Loan Association |
|---|---|---|
| TellerScore | 75 | 91 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 73 (stronger) | 60 |
| Funding & liquidity | 68 | 93 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 61st | 90th |
| Total assets | $329.6M | $84.0M |
| Deposits / shares | $289.6M | $68.4M |
| Capital ratio | 10.86% | 18.60% (stronger) |
| Problem loans | 0.28% | 0.00% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.34% (stronger) | 0.99% |
| Loans ÷ deposits | 80.1% | 66.9% (stronger) |
| Uninsured deposits | 25.9% | 9.9% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 12.5% |
The Covington Savings and Loan Association has the higher TellerScore (91 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank leads on 1 and The Covington Savings and Loan Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.