Side-by-side · Q2 2026 data
The First National Bank of Germantown 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 First National Bank of Germantown | The Covington Savings and Loan Association |
|---|---|---|
| TellerScore | 63 | 91 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 43 | 60 (stronger) |
| Funding & liquidity | 89 | 93 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 22nd | 90th |
| Total assets | $96.2M | $84.0M |
| Deposits / shares | $85.4M | $68.4M |
| Capital ratio | 8.49% | 18.60% (stronger) |
| Problem loans | 0.47% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.58% | 0.99% (stronger) |
| Loans ÷ deposits | 68.4% | 66.9% (stronger) |
| Uninsured deposits | 17.5% | 9.9% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
The Covington Savings and Loan Association has the higher TellerScore (91 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Germantown 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.