B
The Covington Savings and Loan Association
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
17.39
Return On
Assets
1.08%
Total
Assets
81.87M
Capital
14.58M
Total
Deposits
67.01M
Net
Income
450.00K
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Weiss Ratings The Covington Savings and Loan Association
Covington, OH 		Click to
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Rating B
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 4.40
Stability Index 8.40
Company Info The Covington Savings and Loan Association
Covington, OH 		Click to
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FDIC Number 28063
Phone Number (937) 473-2021
Website www.covingtonsavingsandloan.com
Asset Quality The Covington Savings and Loan Association
Covington, OH 		Click to
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1-Year Asset Growth -1.22%
5-Year Asset Growth 3.12%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet The Covington Savings and Loan Association
Covington, OH 		Click to
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Total Assets 81.87M
Total Deposits 67.01M
Capital and Reserves The Covington Savings and Loan Association
Covington, OH 		Click to
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Capital 14.58M
Leverage Ratio 17.39
Loan Loss Reserves to Loans 0.48%
Risk-Based Capital Ratio --
Liquidity The Covington Savings and Loan Association
Covington, OH 		Click to
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Hot Money Ratio 5.00%
Liquidity Ratio 43.07%
Profitability The Covington Savings and Loan Association
Covington, OH 		Click to
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5-Year Return on Average Assets 0.70%
Net Income 450.00K
Net Interest Spread 3.55%
Operating Profit to Average Assets 1.34%
Overhead Efficiency Ratio 63.57%
Return on Assets 1.08%
Return on Equity 6.27%