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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Benoit, MS · FDIC certificate #15817
GENESIS BANK is an FDIC-insured institution based in Benoit, MS (FDIC certificate #15817). In its Q3 2026 Call Report it reported total assets of $103M, total deposits of $75M and net loans of $82M. Its primary federal regulator is FDIC.
Plain-language readout
GENESIS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $103M in Q3 2026 and were lowest at $97M in Q2 2026.
Total deposits were highest at $83M in Q1 2026 and lowest at $74M in Q2 2026.
Over the whole period total assets rose 4.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $103M | $75M | $82M | 0.83% | 4.81% | 5.08% |
| Q2 2026 | $97M | $74M | $77M | 0.95% | 5.70% | 5.10% |
| Q1 2026 | $98M | $83M | $73M | 1.18% | 7.79% | 5.22% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.4M | $15.6M | -$6.1M | -39.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $6.7M | $6.0M | +$720K | +12.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $4.2M | -$4.2M | -100.0% |
| Net loans and leases (after allowance) | $76.9M | $68.5M | +$8.4M | +12.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.8M | $2.8M | -$50K | -1.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.4M | $1.3M | +$148K | +11.7% |
| Total assets | $97.2M | $98.3M | -$1.1M | -1.1% |
| Liabilities | ||||
| Total deposits | $73.8M | $83.3M | -$9.6M | -11.5% |
| Federal funds purchased | $3.0M | $0K | +$3.0M | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.1M | +$307K | +28.1% |
| Total liabilities | $78.2M | $84.4M | -$6.2M | -7.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $60K | $60K | $0K | 0.0% |
| Surplus | $13.2M | $8.2M | +$5.0M | +60.9% |
| Retained earnings | $5.8M | $5.6M | +$169K | +3.0% |
| Accumulated other comprehensive income | -$12K | -$6K | -$6K | -100.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $19.0M | $13.9M | +$5.2M | +37.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.2M | $1.7M | +$565K | +34.1% |
| Adjusted nonperforming assets | $2.2M | $1.7M | +$565K | +34.1% |
| Tangible equity plus allowance | $20.0M | $14.7M | +$5.3M | +36.2% |
| Texas ratio (gross) | 11.12% | 11.29% | -0.17 pts | See points |
| Texas ratio (adjusted) | 11.12% | 11.29% | -0.17 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 11.12% | 11.29% | -0.17 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 19.59% | 15.55% | +4.04 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 10.60% | 14.41% | -3.82 pts | See points |
| Dividend payout, year to date | 2.04% | 1.49% | +0.54 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.08% | 0.00% | -0.08 pts | See points |
| Liquidity | ||||
| Core deposits | $38.2M | $42.5M | -$4.3M | -10.1% |
| Non-core funding | $38.6M | $40.8M | -$2.3M | -5.5% |
| Loans to core deposits | 203.73% | 163.04% | +40.69 pts | See points |
| Loans to deposits | 105.49% | 83.13% | +22.36 pts | See points |
| Brokered deposits share of deposits | 23.69% | 21.02% | +2.67 pts | See points |
| Pledged securities share of securities | 14.52% | 18.77% | -4.25 pts | See points |
| Loans pledged, share of loans | 0.00% | 1.62% | -1.62 pts | See points |
| Volatile liabilities | $54.0M | $56.2M | -$2.3M | -4.0% |
| Earnings | ||||
| Earnings before provision, year to date | $847K | $476K | +$371K | +77.9% |
| Earnings before provision, single quarter | $371K | $476K | -$105K | -22.1% |
| Provision for credit losses, year to date | $290K | $140K | +$150K | +107.1% |
| Yield and cost | ||||
| Yield on loans and leases | 8.36% | 9.31% | -0.96 pts | See points |
| Yield on interest-bearing balances due from banks | 3.11% | 3.65% | -0.54 pts | See points |
| Total interest income to average assets | 7.13% | 7.67% | -0.54 pts | See points |
| Cost of interest-bearing transaction accounts | 1.83% | 2.23% | -0.40 pts | See points |
| Cost of savings and money market deposits | 3.54% | 3.43% | +0.11 pts | See points |
| Cost of time deposits | 4.36% | 4.23% | +0.13 pts | See points |
| Total interest expense to average assets | 2.64% | 2.68% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $103M | $75M | $82M | 0.83% | 4.81% | 5.08% |
| 2026-06-30 | $97M | $74M | $77M | 0.95% | 5.70% | 5.10% |
| 2026-03-31 | $98M | $83M | $73M | 1.18% | 7.79% | 5.22% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MS | $59.9M | 0.07% | 73 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.