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Covington County Bank

IDRSSD: 697035
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q1QoQ -13

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q1

Bank #697035 2025-Q1 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Risk
Reserves:Risk

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 21.9% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.9% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.97% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -13 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -36
  • Reserves
    ↓ -31

The five pillars

Liquidity

StrongQoQ +1
94
Sub-score

Liquidity is strong: brokered 2.0%, loans/deposits 79.0%, cash 13.5% of assets.

Cash / Assets
13.51%
Loans / Deposits
79.01%
Brokered %
2.04%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.23%, CET1 20.23%, leverage 13.37%.

Tier 1 RBC
20.23%
CET1
20.23%
Leverage
13.37%
No watch items at this period.

Asset Quality

RiskQoQ -36
39
Sub-score

Asset quality is weak: Adjusted NPL 3.97%, Texas Ratio 18.6%, NCO YTD 0.40%.

Adjusted NPL
3.97%
Govt-guarantees stripped
Texas Ratio
18.6%
NCO YTD
0.40%
30-89 PD
5.18%
Band 0.3% / 3.0%
90+ PD
1.39%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.97% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.39%.

Reserves

RiskQoQ -31
12
Sub-score

Reserves are weak: ALLL 0.86% of loans, coverage 21.9%, true coverage 21.9%.

ALLL / Loans
0.86%
Coverage
21.9%
True Loss Coverage
21.9%

Watch Items

  • riskALLL / NPL below 50% — Coverage 21.9% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.9% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 03:49:55 UTC