Headquartered in Benoit, Mississippi, Genesis Bank is a state-chartered bank with $97.2M in total assets and $73.8M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1904.
Based on its Q2 2026 filing, Genesis Bank scores 54/100, which we describe as below average. That is higher than only 13% of 546 banks with under $100 million in assets. Among 57 banks headquartered in Mississippi, it ranks 54th. Its strongest component is capital cushion (100/100; 19.59%), and its lowest is loan quality (5/100; 2.85%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (59 → 54), mostly because the loan quality component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 52 |
| Q4 2024 | 51 |
| Q1 2025 | 50 |
| Q2 2025 | 59 |
| Q3 2025 | 52 |
| Q4 2025 | 49 |
| Q1 2026 | 61 |
| Q2 2026 | 54 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 20.49% |
| Q3 2024 | 20.38% |
| Q4 2024 | 19.29% |
| Q1 2025 | 19.12% |
| Q2 2025 | 17.91% |
| Q3 2025 | 17.95% |
| Q4 2025 | 16.34% |
| Q1 2026 | 15.55% |
| Q2 2026 | 19.59% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.52% |
| Q3 2024 | 2.86% |
| Q4 2024 | 4.06% |
| Q1 2025 | 3.70% |
| Q2 2025 | 2.16% |
| Q3 2025 | 2.80% |
| Q4 2025 | 3.04% |
| Q1 2026 | 2.25% |
| Q2 2026 | 2.85% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 0.63% |
| Q4 2024 | 0.82% |
| Q1 2025 | 0.51% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.49% |
| Q4 2025 | 0.30% |
| Q1 2026 | 1.18% |
| Q2 2026 | 0.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $97.2M | 19.59% | 2.85% | 0.95% | 104.2% |
| Q1 2026 | 61 | $98.3M | 15.55% | 2.25% | 1.18% | 87.2% |
| Q4 2025 | 49 | $83.6M | 16.34% | 3.04% | 0.30% | 86.2% |
| Q3 2025 | 52 | $83.3M | 17.95% | 2.80% | 0.49% | 78.7% |
| Q2 2025 | 59 | $74.5M | 17.91% | 2.16% | 0.58% | 87.4% |
| Q1 2025 | 50 | $75.4M | 19.12% | 3.70% | 0.51% | 85.3% |
| Q4 2024 | 51 | $67.3M | 19.29% | 4.06% | 0.82% | 92.9% |
| Q3 2024 | 52 | $69.5M | 20.38% | 2.86% | 0.63% | 85.2% |
| Q2 2024 | 53 | $64.3M | 20.49% | 3.52% | 0.86% | 83.8% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Bank & Trust Co.Bank Marks, MS | 53 out of 100, Below average | $98.6M | 14.0% | 5.50% | vs |
| Amory First Savings And Loan Bank, SsbBank Amory, MS | 66 out of 100, Moderate | $78.7M | 13.1% | 1.37% | vs |
| Richton Bank & Trust CompanyBank Richton, MS | 90 out of 100, Very strong | $52.0M | 15.9% | 0.00% | vs |
Deposit insurance
Is my money safe at Genesis Bank?
Yes. Genesis Bank is an FDIC-insured institution (FDIC certificate #15817). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 47.8% of deposits ($35.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 19.59%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Genesis Bank lists 1 office in 1 city. Most locations:
- Benoit, MS (1)
Identity & history
Profile
- Legal name
- Genesis Bank
- Former names
- Bank of Benoit
- Type
- State-chartered bank
- FDIC certificate #
- 15817
- RSSD ID
- 659640
- Primary regulator
- FDIC
- Holding company
- Genesis Bcorp Inc
- Established
- January 1, 1904
- Headquarters
- 202 Main St, Benoit, MS 38725
- Employees
- 18
Quick answers
Genesis Bank: common questions
Is Genesis Bank FDIC insured?
Yes. Genesis Bank is an FDIC-insured institution (FDIC certificate #15817). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Genesis Bank's TellerScore?
54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Genesis Bank ever failed?
There is no failure record for FDIC certificate #15817 in the FDIC failed bank list.
How many branches does Genesis Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Benoit
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Delta Federal Credit UnionCredit union Greenville, MS | 98 out of 100, Very strong | $8.9M | 29.2% | 0.27% | vs |
| The Jefferson BankBank Greenville, MS | 90 out of 100, Very strong | $210.8M | 16.6% | 0.38% | vs |
| Producers Bank & TrustBank Mcgehee, AR | 90 out of 100, Very strong | $213.2M | 22.1% | 0.00% | vs |
| Bank of Lake VillageBank Lake Village, AR | 82 out of 100, Strong | $90.6M | 16.1% | 1.00% | vs |
| First Naturalstate BankBank Mcgehee, AR | 81 out of 100, Strong | $108.8M | 15.5% | 0.50% | vs |
| The Cleveland State BankBank Cleveland, MS | 76 out of 100, Strong | $340.2M | 11.2% | 0.26% | vs |