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Covington County Bank
Collins, MS · FDIC Certificate #21998 · Chartered 05/0
Total assets
$109.17M
Total deposits
$93.87M
Total equity
$13.63M
Net loans
$80.86M
Branches (offices)
2
Net income (YTD)
$765.00K
Rank: #3,610 of 4,213 U.S. banks by assets · #53 of 57 in Mississippi. Assets changed 5.5% and deposits 5.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 11.56% |
| Net interest margin (YTD) | 4.65% |
| Equity to assets | 12.48% |
| Tier 1 leverage ratio | 13.76% |
| Uninsured deposits (share of deposits) | 12.8% |
| Noncurrent loans (share of loans) | 0.99% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 86.1% |
| Real estate loans (share of loans) | 77.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $62.77M | 77.6% | |
| Commercial & industrial | $7.99M | 9.9% | |
| Consumer / individual | $4.09M | 5.1% | |
| Construction & development | $5.15M | 6.4% | |
| Agricultural | $6.36M | 7.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $86.99M | $79.12M | $314.00K | $7.13M |
| Jun 2023 | $93.17M | $84.55M | $528.00K | $7.60M |
| Jun 2024 | $99.97M | $85.56M | $715.00K | $11.87M |
| Jun 2025 | $103.43M | $88.78M | $963.00K | $13.03M |
| Jun 2026 | $109.17M | $93.87M | $765.00K | $13.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $93.87M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $93.87M.
Similar-sized banks
The Peoples Bank ($109.32M) · White State Bank ($109.02M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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