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Genesis Bank
Benoit, MS · FDIC Certificate #15817 · Chartered 01/0
Total assets
$97.23M
Total deposits
$73.79M
Total equity
$19.05M
Net loans
$76.92M
Branches (offices)
1
Net income (YTD)
$442.00K
Rank: #3,696 of 4,213 U.S. banks by assets · #55 of 57 in Mississippi. Assets changed 30.6% and deposits 23.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.95% |
| Return on equity | 5.70% |
| Net interest margin (YTD) | 5.10% |
| Equity to assets | 19.59% |
| Tier 1 leverage ratio | 19.59% |
| Uninsured deposits (share of deposits) | 47.8% |
| Noncurrent loans (share of loans) | 2.85% |
| Net charge-offs (share of loans) | -0.10% |
| Loans to deposits | 104.2% |
| Real estate loans (share of loans) | 3.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.99M | 3.9% | |
| Commercial & industrial | $6.58M | 8.6% | |
| Consumer / individual | $68.12M | 88.6% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $20.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $34.41M | $28.89M | $126.00K | $5.37M |
| Jun 2023 | $47.11M | $37.16M | $283.00K | $9.28M |
| Jun 2024 | $64.26M | $49.77M | $252.00K | $13.19M |
| Jun 2025 | $74.45M | $59.90M | $210.00K | $13.63M |
| Jun 2026 | $97.23M | $73.79M | $442.00K | $19.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $73.79M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $73.79M.
Similar-sized banks
United Security Bank ($97.24M) · Port Richmond Savings ($97.17M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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