Genesis Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin dropped 0.68 percentage points in Q2 2026, from 5.42% to 4.74%. It was the largest change from Q1 2026 among the key lines here. Genesis Bank ranks 9th of 57 Mississippi banks on net interest margin, in the upper half at 4.74% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Genesis Bank sits 0.87 points higher, at 4.74% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.52% |
| Yield on loans | 8.36% |
| Yield on securities | 4.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.36% |
| Cost of interest-bearing deposits | 3.73% |
| Cost of interest-bearing liabilities | 3.85% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.74% |
| Yield to cost spread | 3.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $642K |
| Interest expense on deposits | $608K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 7.65% | 1.13% | 6.62% | 9.37% | 3.53% |
| Q4 2023 | 7.89% | 1.38% | 6.75% | 9.15% | 4.75% |
| Q1 2024 | 7.88% | 1.86% | 6.37% | 9.42% | 6.42% |
| Q2 2024 | 8.54% | 2.64% | 6.37% | 9.99% | 6.30% |
| Q3 2024 | 8.71% | 3.05% | 6.06% | 9.76% | 6.62% |
| Q4 2024 | 8.13% | 3.29% | 5.34% | 8.93% | 6.22% |
| Q1 2025 | 7.38% | 3.36% | 4.43% | 8.30% | 5.39% |
| Q2 2025 | 7.37% | 3.62% | 4.24% | 8.10% | 5.53% |
| Q3 2025 | 7.43% | 3.61% | 4.31% | 8.26% | 5.62% |
| Q4 2025 | 7.34% | 3.36% | 4.46% | 8.53% | 5.34% |
| Q1 2026 | 8.34% | 3.23% | 5.42% | 9.31% | 5.29% |
| Q2 2026 | 7.52% | 3.36% | 4.74% | 8.36% | 4.75% |
Genesis Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Genesis Bank, freeSource: Call Report Schedules RI and RC-K, 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)