GENESIS BANK

BENOIT, MS | Micro | Est. Jan. 1, 1904, midnight | FDIC #15817 | RSSD #659640 | FDIC
Latest Report: 2025-12-31

GENESIS BANK is amn micro FDIC-insured commercial bank headquartered in BENOIT, MS, established in Jan. 1, 1904, midnight. As of 2025-12-31, the bank reported total assets of $84M and total deposits of $69M. Profitability stands at -0.23% ROA and -1.44% ROE, with a net interest margin of 4.49%. The bank's CET1 capital ratio is 16.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.01% and a Texas Ratio of 8.47%. FDIC Certificate #15817.

Assets

$84M

Deposits

$69M

Loans

$60M

Equity

$14M

Profitability

Return on Assets (ROA) -0.23%
Return on Equity (ROE) -1.44%
Net Interest Margin (NIM) 4.49%
Yield on Assets 7.39%
Cost of Funds 4.33%

Asset Quality

NPL Ratio 2.01%
Net Charge-Off Ratio 0.97%
Texas Ratio 8.47%
NPA Ratio 1.44%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 16.30%
Tier 1 Capital 16.30%
Total Capital Ratio 17.12%
Leverage Ratio 16.34%
Loan-to-Deposit 87.05%

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