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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Collins, MS · FDIC certificate #21998
COVINGTON COUNTY BANK is an FDIC-insured institution based in Collins, MS (FDIC certificate #21998). In its Q3 2026 Call Report it reported total assets of $108M, total deposits of $92M and net loans of $82M. Its primary federal regulator is FDIC.
Plain-language readout
COVINGTON COUNTY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $109M in Q2 2026 and were lowest at $108M in Q3 2026.
Total deposits were highest at $94M in Q2 2026 and lowest at $92M in Q3 2026.
Over the whole period total assets fell 0.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $108M | $92M | $82M | 1.41% | 11.41% | 4.75% |
| Q2 2026 | $109M | $94M | $81M | 1.42% | 11.56% | 4.65% |
| Q1 2026 | $109M | $94M | $76M | 1.37% | 11.23% | 4.54% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $10.0M | $15.1M | -$5.1M | -33.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $13.1M | $13.2M | -$119K | -0.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $80.9M | $75.9M | +$5.0M | +6.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.9M | $2.0M | -$21K | -1.1% |
| Other real estate owned | $783K | $0K | +$783K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.5M | $2.7M | -$195K | -7.2% |
| Total assets | $109.2M | $108.8M | +$389K | +0.4% |
| Liabilities | ||||
| Total deposits | $93.9M | $93.7M | +$122K | +0.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.7M | $1.8M | -$159K | -8.7% |
| Total liabilities | $95.5M | $95.6M | -$37K | -0.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $563K | $563K | $0K | 0.0% |
| Surplus | $5.9M | $5.9M | $0K | 0.0% |
| Retained earnings | $8.5M | $8.1M | +$397K | +4.9% |
| Accumulated other comprehensive income | -$1.3M | -$1.3M | +$29K | +2.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $13.6M | $13.2M | +$426K | +3.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.6M | $729K | +$862K | +118.2% |
| Adjusted nonperforming assets | $1.6M | $565K | +$1.0M | +180.2% |
| Tangible equity plus allowance | $14.2M | $13.7M | +$427K | +3.1% |
| Texas ratio (gross) | 11.24% | 5.31% | +5.93 pts | See points |
| Texas ratio (adjusted) | 11.18% | 4.11% | +7.07 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 11.18% | 4.11% | +7.07 pts | See points |
| Tier 1 capital to risk-weighted assets | 17.47% | 18.65% | -1.17 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 17.47% | 18.65% | -1.17 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.62% | 0.68% | -0.06 pts | See points |
| Total risk-based capital to risk-weighted assets | 18.09% | 19.32% | -1.23 pts | See points |
| Tier 1 leverage (approximate) | 13.76% | 13.44% | +0.32 pts | See points |
| Construction and land loans to total capital | 33.32% | 27.32% | +6.00 pts | See points |
| Commercial real estate to total capital | 61.39% | 53.73% | +7.66 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -11.83% | -12.43% | +0.60 pts | See points |
| Liquidity | ||||
| Core deposits | $79.3M | $80.7M | -$1.5M | -1.8% |
| Non-core funding | $14.6M | $13.0M | +$1.6M | +12.1% |
| Loans to core deposits | 102.65% | 94.60% | +8.05 pts | See points |
| Loans to deposits | 86.71% | 81.48% | +5.23 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 61.74% | 62.10% | -0.36 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $14.6M | $13.0M | +$1.6M | +12.1% |
| Earnings | ||||
| Earnings before provision, year to date | $1.1M | $523K | +$570K | +109.0% |
| Earnings before provision, single quarter | $570K | $523K | +$47K | +9.0% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.53% | 7.60% | -0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 3.66% | 4.55% | -0.89 pts | See points |
| Total interest income to average assets | 6.13% | 5.95% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 0.09% | 0.06% | +0.03 pts | See points |
| Cost of savings and money market deposits | 1.02% | 1.03% | -0.00 pts | See points |
| Cost of time deposits | 3.63% | 3.68% | -0.04 pts | See points |
| Total interest expense to average assets | 1.69% | 1.76% | -0.07 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $108M | $92M | $82M | 1.41% | 11.41% | 4.75% |
| 2026-06-30 | $109M | $94M | $81M | 1.42% | 11.56% | 4.65% |
| 2026-03-31 | $109M | $94M | $76M | 1.37% | 11.23% | 4.54% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MS | $88.8M | 0.11% | 68 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.