| Metric | Genesis Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +30.6% | +3.0% | +27.6 pts |
| Deposit growth (YoY) | +23.2% | +2.5% | +20.7 pts |
| Loan growth (YoY) | +46.9% | +2.6% | +44.3 pts |
| ROA | 0.95% | 0.99% | -0.0 pts |
| ROE | 5.7% | 8.1% | -2.4 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $97.2M | $73.8M | $76.9M | $19.0M | $442K | 0.95% | 5.10% | 2.28% |
| Q1 2026 | $98.3M | $83.3M | $72.7M | $13.9M | $268K | 1.18% | 5.22% | 1.68% |
| Q4 2025 | $83.6M | $69.0M | $59.4M | $13.6M | $229K | 0.30% | 4.35% | 2.18% |
| Q3 2025 | $83.3M | $68.6M | $54.0M | $13.7M | $278K | 0.49% | 4.31% | 1.83% |
| Q2 2025 | $74.5M | $59.9M | $52.4M | $13.6M | $210K | 0.58% | 4.36% | 1.54% |
| Q1 2025 | $75.4M | $60.8M | $51.9M | $13.5M | $91K | 0.51% | 4.42% | 2.57% |
| Q4 2024 | $67.3M | $52.7M | $49.0M | $13.4M | $513K | 0.82% | 6.16% | 2.99% |
| Q3 2024 | $69.5M | $55.1M | $46.9M | $13.2M | $290K | 0.63% | 6.36% | 1.95% |
Loan mix (Q2 2026): real estate $3.0M · commercial $6.6M · consumer $68.1M · securities $6.7M
| Ratio | Genesis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.99% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 8.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 70.8% | 37th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Genesis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Genesis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Genesis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Genesis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Genesis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Genesis Bank is in an open deal as the target: Notice by Heath O'Brien Jenkins to take control of Genesis Bank (pending, filed Nov 15, 2025). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Apr 21, 2026 | Target | Heath O'Brien Jenkins | Change in control | Completed | Federal Reserve |
| Nov 15, 2025 | Target | Notice by Heath O'Brien Jenkins | Change in control | Pending | Federal Reserve |
1 branches in 1 county across 1 state (+0 vs 2025) · $73.8M branch deposits. Biggest market: Bolivar, MS, ranked 8th with 6.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bolivar, MS | 1 | $73.8M | 6.67% | 8th |
Mississippi: 92nd with 0.08% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend up 26% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).