The Covington Savings and Loan Association
Covington, OH
IDRSSD: 835079
Total Assets
$80.47M
Latest filing
Total Deposits
$65.43M
Latest filing
Net Interest Margin
3.52%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Covington Savings and Loan Association
117 N High St
Covington, OH 45318
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1886FDIC Certificate 40897
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Covington Savings and Loan Association (Main) | 117 N High St | Covington, OH |
| EAST BROADWAY BRANCH | 700 E Broadway St | Covington, OH |
| EAST MAIN STREET BRANCH | 223 N Miami Ave | Bradford, OH |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1886 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45318 |
| State and County Number | 39109 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 37 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Dayton-Kettering, OH |
Operational Info
| Number of Employees | 19 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.covingtonsavingsandloan.com |
| Data Updated | 11/14/2025 |
| CERT | 28063 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $80.47M |
| Total Deposits | $65.43M |
| Total Liabilities | $65.71M |
| Total Equity Capital | $14.76M |
| Net Income | $182.00k |
| Net Loans and Leases | $45.95M |
| Assets Per Employee ($Millions) | $4.24M |
| Bank Premises and Fixed Assets | $449.00k |
| Cash and Balances due from Depository Institutions | $15.84M |
| Deposits Held in Domestic Offices | $65.43M |
Key Performance Ratios
| Return on Assets (ROA) | 0.9% |
| Return on Equity (ROE) | 4.96% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 69.5% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.343% |
| Earning Assets to total Assets | 97.85% |
Income and Expense
| Total Interest Income | $821.00k |
| Total Noninterest Income | $43.00k |
| Total Interest Expense | $123.00k |
| Total Noninterest Expense | $515.00k |
| Net Interest Income | $698.00k |
| Pre-tax Net Operating Income | $226.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $287.00k |
| Total Liabilities and Capital | $80.47M |
Securities
| Securities | $17.48M |
| Available-for-sale debt securities | $5.08M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $12.40M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Covington Savings and Loan Association?
$80.47M as of the latest filing.
How much are The Covington Savings and Loan Association's total deposits?
$65.43M in total deposits.
Where is The Covington Savings and Loan Association located?
Covington, OH.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1886.
What is the Return on Assets (ROA)?
0.9%.
How much are total loans and leases?
$45.95M (latest filing).
What is the total interest income (latest filing)?
$821.00k.