Genesis Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Genesis Bank of Benoit, MS against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.72% | 0.85% | -0.13% | 33rd below |
| ROAE | 4.23% | 5.23% | -1.00% | 29th below |
| Net Interest Margin | 4.74% | 3.94% | +0.80% | 81st top |
| Efficiency Ratio | 67.23% | 76.13% | -8.90% | 55th above |
| PPNR / Avg Assets | 1.53% | — | — | 61st above |
| Yield on Earning Assets | 7.52% | 5.42% | +2.10% | 97th top |
| Cost of Funds | 3.36% | 1.69% | +1.67% | 5th bottom |
| Net Interest Spread | 3.67% | — | — | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.85% | 1.23% | +1.62% | 13th bottom |
| NPA / Total Assets | 2.28% | — | — | 8th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.11% | -0.07% | 22nd bottom |
| ACL / Total Loans | 1.18% | — | — | 44th below |
| ACL / NPLs (Coverage) | 41.31% | — | — | 14th bottom |
| Texas Ratio | 11.12% | 7.23% | +3.89% | 16th bottom |
| Provision / NCO | 2142.86% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 19.59% | 14.13% | +5.46% | 79th top |
| Equity / Assets | 19.59% | 13.07% | +6.52% | 79th top |
| TCE / Tangible Assets | 19.59% | — | — | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 105.49% | 68.58% | +36.91% | 6th bottom |
| Core Deposit Ratio | 51.78% | 88.79% | -37.01% | 2nd bottom |
| Wholesale Funding Ratio | 3.09% | — | — | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 30.60% | — | — | 98th top |
| Loan Growth (Y/Y) | 47.14% | — | — | 97th top |
| Deposit Growth (Y/Y) | 23.20% | — | — | 97th top |
See Genesis Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Genesis Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Genesis Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Genesis Bank peer analysis.