Genesis Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 17.32 percentage points higher than in Q1 2026, at 105.49%. Within Mississippi, Genesis Bank is 49th of 57 on return on assets, 0.72% as of Q2 2026. The median for banks in the < $100M asset tier is 1.00% on return on assets. Genesis Bank sits 0.28 points lower, at 0.72% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 19.59% |
| Equity capital to assets | 19.59% |
| Tangible equity to tangible assets | 19.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.99% |
| Non-performing assets ratio | 1.59% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 11.12% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 59.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.72% |
| Return on equity | 4.23% |
| Net interest margin | 4.74% |
| Efficiency ratio | 67.23% |
| Yield on earning assets | 7.52% |
| Cost of funds | 3.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.49% |
| Core deposits to total deposits | 51.78% |
| Brokered deposits to total deposits | 23.69% |
| Deposits to assets | 75.89% |
| Securities to assets | 6.88% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 21.29% | 0.49% | 6.62% | 1.36% | 0.00% |
| Q4 2023 | 25.33% | 25.88% | 6.75% | 2.52% | 0.00% |
| Q1 2024 | 23.04% | 0.78% | 6.37% | 3.63% | 0.29% |
| Q2 2024 | 20.49% | 0.88% | 6.37% | 3.00% | 1.48% |
| Q3 2024 | 20.38% | 0.23% | 6.06% | 2.44% | 0.00% |
| Q4 2024 | 19.29% | 1.28% | 5.34% | 2.04% | 0.05% |
| Q1 2025 | 19.12% | 0.52% | 4.43% | 3.34% | 0.33% |
| Q2 2025 | 17.91% | 0.63% | 4.24% | 2.15% | 2.11% |
| Q3 2025 | 17.95% | 0.36% | 4.31% | 2.19% | 0.47% |
| Q4 2025 | 16.34% | -0.24% | 4.46% | 2.01% | 1.43% |
| Q1 2026 | 15.55% | 1.20% | 5.42% | 1.66% | -0.26% |
| Q2 2026 | 19.59% | 0.72% | 4.74% | 1.99% | 0.04% |
Genesis Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Genesis Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)