Genesis Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 17.34 percentage points higher than in Q1 2026, at 139.77%. Among 57 Mississippi banks, Genesis Bank sits 2nd from the top on loan-to-deposit ratio, 105.49% as of Q2 2026. Genesis Bank's loan-to-deposit ratio of 105.49% is well above the 67.32% median for banks in the < $100M asset tier, a gap of 38.16 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.0M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.49% |
| Net loans and leases to deposits | 104.25% |
| Loans and leases to core deposits | 139.77% |
| Core deposits to total deposits | 51.78% |
| Brokered deposits to total deposits | 23.69% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 76.57% | 54.76% | $0 | $0 |
| Q4 2023 | 88.88% | 51.98% | $0 | $0 |
| Q1 2024 | 81.19% | 61.27% | $0 | $0 |
| Q2 2024 | 84.93% | 54.16% | $0 | $0 |
| Q3 2024 | 86.27% | 54.49% | $0 | $0 |
| Q4 2024 | 94.14% | 51.49% | $0 | $0 |
| Q1 2025 | 86.32% | 60.02% | $0 | $0 |
| Q2 2025 | 88.32% | 32.51% | $0 | $0 |
| Q3 2025 | 79.52% | 40.26% | $0 | $0 |
| Q4 2025 | 87.05% | 40.83% | $0 | $0 |
| Q1 2026 | 88.17% | 50.99% | $0 | $0 |
| Q2 2026 | 105.49% | 51.78% | $3.0M | $0 |
Genesis Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Genesis Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Genesis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15817) · FFIEC NIC profile (RSSD 659640)