Genesis Bank
Total assets
$97.2M
▲ +30.6% YoY
Deposits
$73.8M
▲ +23.2% YoY
Loans
$76.9M
▲ +46.9% YoY
Offices
1
GENESIS BCORP INC
ROA (annualized)
0.95%
peers 0.99%
ROE (annualized)
5.70%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| 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
Profile
- Established
- 1904
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- GENESIS BCORP INC
- Specialization
- Consumer Lending Specialization
- Address
- 202 Main St, Benoit, MS, 38725
- County
- Bolivar
- Metro area
- Cleveland, MS
- Offices
- 1
- FDIC cert #
- 15817
- RSSD ID
- 659640
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| 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 pack Q2 2026 · peer medians from 537 institutions
Profitability
| 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% | 90th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| Ratio | Genesis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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