Genesis Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Genesis Bank's strongest measure in Q2 2026 is net interest margin (5.10% vs. a 3.93% peer median). Its weakest relative measure is assets per employee ($5.4M vs. $6.4M).
| Measure | Genesis Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.95% | 1.14% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.10% | 3.93% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.47% | 65.82% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $6.4M | Bottom third Ahead of 32% of peers |
| Loans to deposits Net loans and leases over total deposits. | 104.25% | 73.59% | Context |
What it means for lending operations
Its efficiency ratio of 65.47% is better than the 65.82% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- United Security Bank Fulton, MO · $97M
- Port Richmond Savings Philadelphia, PA · $97M
- American Exchange Bank, Lindsay, Oklahoma Lindsay, OK · $97M
- The First Central National Bank of St. Paris St. Paris, OH · $97M
- Bank47 Huntsville, AL · $97M
Questions about Genesis Bank
How big is Genesis Bank?
Genesis Bank, established in 1904, is headquartered in Benoit, MS. It reported $97M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Genesis Bank's return on assets?
0.95% annualized in Q2 2026, against a 1.14% median for 999 U.S. banks with half to twice its assets, ahead of 38% of them.
What is Genesis Bank's efficiency ratio?
65.47% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 65.82%, and lower is better.
Is Genesis Bank growing its loans?
Net loans grew 46.9% over the year to Q2 2026, while deposits grew 23.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.