Genesis Bank
Benoit, MS
IDRSSD: 659640
Total Assets
$83.56M
Latest filing
Total Deposits
$68.97M
Latest filing
Net Interest Margin
4.51%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Genesis Bank
202 Main St
Benoit, MS 38725
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1904FDIC Certificate 10061
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Genesis Bank (Main) | 202 Main St | Benoit, MS | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38725 |
| State and County Number | 28011 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Cleveland, MS |
Operational Info
| Number of Employees | 18 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/06/1941 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 01/30/2026 |
| CERT | 15817 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $83.56M |
| Total Deposits | $68.97M |
| Total Liabilities | $69.93M |
| Total Equity Capital | $13.62M |
| Net Income | $-49,000 |
| Net Loans and Leases | $59.44M |
| Assets Per Employee ($Millions) | $4.64M |
| Bank Premises and Fixed Assets | $2.84M |
| Cash and Balances due from Depository Institutions | $14.97M |
| Deposits Held in Domestic Offices | $68.97M |
Key Performance Ratios
| Return on Assets (ROA) | -0.23% |
| Return on Equity (ROE) | -1.44% |
| Net Interest Margin | 4.51% |
| Efficiency Ratio | 77.73% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.304% |
| Earning Assets to total Assets | 95.2% |
Income and Expense
| Total Interest Income | $1.42M |
| Total Noninterest Income | $81.00k |
| Total Interest Expense | $557.00k |
| Total Noninterest Expense | $733.00k |
| Net Interest Income | $862.00k |
| Pre-tax Net Operating Income | $-20,000 |
| Provision for Credit Losses | $230.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $966.00k |
| Total Liabilities and Capital | $83.56M |
Securities
| Securities | $5.20M |
| Available-for-sale debt securities | $5.20M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Genesis Bank?
$83.56M as of the latest filing.
How much are Genesis Bank's total deposits?
$68.97M in total deposits.
Where is Genesis Bank located?
Benoit, MS.
What is the Net Interest Margin?
4.51%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1904.
What is the Return on Assets (ROA)?
-0.23%.
How much are total loans and leases?
$59.44M (latest filing).
What is the total interest income (latest filing)?
$1.42M.