Genesis Bank
Benoit, MS·RSSD 659640·FDIC 15817·bank:659640·CBLR opted in
- #55 of 57Total assets in Mississippi
- 1offices
- 18employees
- Top 2%Loan growth in the U.S.
- #2 of 56Deposit growth in Mississippi
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Genesis Bank
7 of 23 FORFI signals stand out against 583 similar banks, based on FDIC data for the quarter.
Reliance on CDs falling while the peer median risesNotable: Funding 2nd quarter52.2%peers 32.9%+19.2 pp
Genesis Bank's time deposits' share of deposits fell 10.0 percentage points over the past year to 52.2%. Among 534 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Time deposits' share of deposits | ||
| 52.2% | 32.9% | +19.2 pp |
| 12-month change | ||
| -10.0 pp | +0.2 pp | -10.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Genesis Bank itself is left out of every peer median and percentile. How signals work
Net charge-offs falling while the peer median holds steadyStrength: Asset quality 2nd quarter0.04%peers 0.00%+4 bps
Genesis Bank's annualized net charge-off rate fell 207 bps over the past year to 0.04%. Among 516 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 0.04% | 0.00% | +4 bps |
| 12-month change | ||
| -207 bps | 0 bps | -207 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Genesis Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+47.1%peers +2.6%+44.6 pp
Genesis Bank's loans grew 47.1% over the past year to $77.8 million. The median among 518 similar banks was +2.6%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +47.1% | +2.6% | +44.6 pp |
| Loans | ||
| $77.8 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Genesis Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+30.6%peers +3.2%+27.4 pp
Genesis Bank's total assets grew 30.6% over the past year to $97.2 million. The median among 575 similar banks was +3.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +30.6% | +3.2% | +27.4 pp |
| Total assets | ||
| $97.2 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Genesis Bank itself is left out of every peer median and percentile. How signals work
3 more observations
- Deposits growing faster than peersFunding
- Deposit costs among the highest of similar banksFunding
- Noninterest-bearing deposit share falling while the peer median risesFunding
Key facts
- Genesis Bank is a bank headquartered in Benoit, Mississippi. It reported $97.2 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $73.8 million, up 23.2% from a year earlier, and loans totaled $77.8 million, up 47.1%.
- Its net interest margin was 4.86% and its annualized return on assets was 0.71% for the quarter.
- Its cost of all deposits was 3.10%, compared with a median of 1.51% among 538 similar banks with under $100 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Genesis Bank's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Genesis Bank · Bank
- Federal Reserve RSSD
- 659640
- FDIC certificate
- 15817
- Reporting period
- Peer group
- 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Genesis Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $174K | — | |
| $1.73M | — | |
| $642K | — | |
| $1.09M | — | |
| $40K | — | |
| $761K | — | |
| $150K | — | |
| $150K | — | |
| 0.71% | 0.71%ROAQ · Quarter | |
| 4.86% | 4.85%NIMYQ · Quarter | |
| 67.23% | 67.23%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.