At a glance
From its website, read 3 Nov 2026COVINGTON COUNTY BANK is a bank or thrift based in Collins, Mississippi. Its website describes farm loans, auto loans, commercial real estate loans and 4 other loan types. Where it lends: Covington County and surrounding areas, Mississippi.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (601) 765-6551 source |
|---|---|
| info@covcobank.com source | |
| Website | www.covcobank.com/contact-us.php |
| Office (official list) | 102 South Dogwood Avenue, Collins, MS 39428 |
What their website says about applying
Contact Covington County Bank today to discuss your agricultural lending needs.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Collateral flexible or not always required
or offered on an unsecured basis depending on the borrower’s financial strength and credit profile
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 697035 |
| Address | 102 South Dogwood Avenue, Collins, MS 39428 Directions (Google Maps) |
| Website | www.covcobank.com/contact-us.php |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 3 Nov 2026Read from 9 pages of the lender's website on 3 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts and an online loan application were not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | We offer a range of agricultural lending options to support a variety of farming operations. | source |
| Auto / vehicle loans | — | Automobile Loans | source |
| Commercial real estate loans | — | We provide a wide range of financing solutions, including fixed-rate and adjustable-rate mortgages, construction loans, and commercial real estate loans, all structured with competitive rates and flexible terms. | source |
| Equipment loans | — | Equipment financing can help with the purchase of: | source |
| Home mortgages | — | We provide a wide range of financing solutions, including fixed-rate and adjustable-rate mortgages, construction loans, and commercial real estate loans, all structured with competitive rates and flexible terms. | source |
| Personal / consumer loans | — | Covington County Bank provides a full range of consumer lending solutions designed to help individuals meet a wide variety of personal financial needs. | source |
| Small-business loans | — | Covington County Bank offers comprehensive commercial lending solutions designed to help businesses achieve their short- and long-term financial goals. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Covington County and surrounding areas, Mississippi
Covington County Bank proudly serves farmers and agricultural businesses throughout Covington County and surrounding areas.
source
Counties this matches: Covington County, MS
Borrower focus
- Farmers / ranchers
providing lending solutions designed specifically for farmers, ranchers, and agribusiness operators.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (9)
- https://covcobank.com/
- https://covcobank.com/agricultural-lending-in-mississippi
- https://covcobank.com/contact
- https://covcobank.com/covington-county-bank-lending
- https://covcobank.com/business-checking
- https://covcobank.com/homepage
- https://covcobank.com/services
- https://covcobank.com/personal-checking
- https://covcobank.com/about-us
Questions to ask when you contact them
Based on what their website said when we read it on 3 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.6 million in 6 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $256,037 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $115,728 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Covington County Bank (FDIC cert 21998). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $109.2 million (as of 30 Jun 2026) |
|---|---|
| Offices | 2 (as of 30 Oct 2026) |
Offices by state and county (2)
Mississippi (2 offices)
- Covington County (2): 102 S Dogwood Ave, Collins 39428 (main office); 51 Highway 590 W, Seminary 39479
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Covington County Bank (RSSD 697035, FDIC cert 21998). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $81.4 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 14.2% from $71.3 million on 30 Jun 2025 |
| Total assets | $109.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $15.9 million | 19.5% |
| Home equity lines of credit | $934,000 | 1.1% |
| Commercial real estate, construction and multifamily | $18.3 million | 22.5% |
| Commercial and industrial (business) loans | $8 million | 9.8% |
| Farmland and farm production loans | $34 million | 41.8% |
| Consumer loans (credit cards, auto, other) | $4.1 million | 5.0% |
| All other loans and leases | $188,000 | 0.2% |
Within consumer loans: auto loans $995,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 33 loans $989,000 | 147 loans $2.7 million |
| $100,001 to $250,000 | 10 loans $1.4 million | 15 loans $1.4 million |
| $250,001 to $1 million | 5 loans $1.7 million | 14 loans $3.7 million |
| All small business loans | 48 loans $4 million | 176 loans $7.8 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 40 loans $1.6 million | 51 loans $1 million |
| $100,001 to $250,000 | 26 loans $2.9 million | 12 loans $1.1 million |
| $250,001 to $500,000 | 17 loans $5.3 million | 5 loans $1.4 million |
| All small farm loans | 83 loans $9.8 million | 68 loans $3.5 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $55,250 (90 loans) | All 7(a) lenders in Mississippi: $222,350. Larger than the median loan of 4% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 24 → 8 | Rank among the 16 certified CDFIs in Mississippi with SBA approvals in either period: 6 → 8. |
| Total assets (Call Report, 30 Jun 2026) | $109.2 million | Larger than 6% of the 82 other certified banks and bank holding companies in Mississippi (median $427 million). |
| Loans as a share of assets | 75% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $71.3 million → $81.4 million (+14%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +8%. Rank by loans held among these 83: 75 → 75. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 4% |
| SBA approvals then vs now | certified CDFIs in Mississippi with SBA approvals FY2023–2026 | 15 | rank 6 → 8 of 16 |
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 6% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 75 → 75 of 83 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 90 SBA-backed approvals for COVINGTON COUNTY BANK in fiscal years 2020–2026 (October 2019 to September 2026):
- 90 7(a) loans as the lender: $9.8M in total (gross amount approved), median $55,250
By fiscal year: FY2020 33 · FY2021 7 · FY2022 18 · FY2023 14 · FY2024 10 · FY2025 3 · FY2026 5.
What actually happened
- Size of its 7(a) loans: half were between $20,525 and $151,325, median $55,250 (90 loans)
- Term of its 7(a) loans: median 48 months (4 years) (90 loans)
- Fixed or variable: 79% of its 7(a) loans had a fixed rate (90 loans)
- Young businesses: 33% of its 7(a) loans went to a startup or a business two years old or less (84 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) SBA Express (87, 97%)
- 7(a) standard (3, 3%)
Borrower industries
NAICS sector, 3 or more loans.
- Agriculture, forestry, fishing and hunting (42)
- Construction (14)
- Retail trade (10)
- Transportation and warehousing (8)
- Professional, scientific, and technical services (4)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Covington County, MS (63)
- Jones County, MS (6)
- Smith County, MS (5)
- Jefferson Davis County, MS (4)
- Jasper County, MS (4)
- Forrest County, MS (3)
How this lender was matched in the SBA files: FDIC cert 21998, found through the RSSD ID on the CDFI Fund list (SBA lists “Covington County Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. COVINGTON COUNTY BANK may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Collins and Mississippi
- Covington Capital CorporationBank holding company · Collins, MSOfficial list only
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
Work at COVINGTON COUNTY BANK? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.