Genesis Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 17.32 percentage points in Q2 2026, from 88.17% to 105.49%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Genesis Bank ranks 2nd highest among the 57 banks headquartered in Mississippi, at 105.49% (Q2 2026). Against a median of 67.32% for banks in the < $100M asset tier, Genesis Bank reported 105.49% on loan-to-deposit ratio in Q2 2026, 38.16 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $77.8M |
| Net loans and leases | $76.9M |
| Loans held for sale | $0 |
| Loans to total assets | 80.05% |
| Loan-to-deposit ratio | 105.49% |
| Net loans to equity capital | 4.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.72% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.46% |
| Consumer | 87.51% |
| Credit cards | 0.00% |
| Farm | 0.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 10.60% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.36% |
| Interest income on loans | $1.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $30.5M | $39.9M | 3.10% | 1.79% | 92.08% |
| Q4 2023 | $33.4M | $37.6M | 3.24% | 2.90% | 91.63% |
| Q1 2024 | $37.0M | $45.6M | 2.56% | 2.21% | 93.65% |
| Q2 2024 | $42.3M | $49.8M | 2.23% | 1.80% | 94.00% |
| Q3 2024 | $47.5M | $55.1M | 2.50% | 1.58% | 94.03% |
| Q4 2024 | $49.6M | $52.7M | 1.87% | 1.42% | 95.56% |
| Q1 2025 | $52.5M | $60.8M | 1.69% | 2.65% | 94.53% |
| Q2 2025 | $52.9M | $59.9M | 1.67% | 3.08% | 94.17% |
| Q3 2025 | $54.6M | $68.6M | 0.93% | 3.58% | 94.41% |
| Q4 2025 | $60.0M | $69.0M | 1.13% | 9.66% | 88.22% |
| Q1 2026 | $73.5M | $83.3M | 2.88% | 9.02% | 86.77% |
| Q2 2026 | $77.8M | $73.8M | 2.72% | 8.46% | 87.51% |
Genesis Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Genesis Bank, freeSource: Call Report Schedule RC-C, 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)