BanksGENESIS BANK

GENESIS BANK

BENOIT, MSMicroEst. Jan. 1, 1904, midnightFDIC #15817RSSD #659640FDIC
Latest · 2025-12-31

GENESIS BANK is an 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%. CET1 capital ratio: 16.30%, well above regulatory minimums. NPL ratio: 2.01% · Texas Ratio: 8.47%. Operates 1 domestic branch.

Assets
$84M
Deposits
$69M
Loans
$60M
Equity
$14M

Profitability

Return on Assets (ROA)-0.23%
Return on Equity (ROE)-1.44%
Net Interest Margin4.49%
Yield on Assets7.39%
Cost of Funds3.24%

Asset Quality

NPL Ratio2.01%
Net Charge-Off Ratio0.97%
Texas Ratio8.47%
NPA Ratio1.44%
ACL / Loans0.98%

Capital & Liquidity

CET1 Ratio16.30%
Tier 1 Capital16.30%
Total Capital Ratio17.12%
Leverage Ratio16.34%
Loan-to-Deposit87.05%

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