BlastPoint's Banking Scorecard
Genesis Bank
Designations: ✓ Community bank
Benoit, MS
Genesis Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.36% above tier average
- + ROA 0.34% above tier average
- + Efficiency Ratio 24.38% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.90% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$98.3M
+30.4% YoY
+17.7% QoQ
|
+$36.2M |
$62.2M
-0.6% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
Top 1.8% in tier |
| Total Loans ? |
$72.7M
+40.1% YoY
+22.3% QoQ
|
+$38.5M |
$34.2M
-1.4% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
Top 3.5% in tier |
| Total Deposits ? |
$83.3M
+37.0% YoY
+20.8% QoQ
|
+$31.6M |
$51.7M
-0.7% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
Top 4.8% in tier |
| Return on Assets ? |
1.18%
+131.1% YoY
+295.4% QoQ
|
+0.34% |
0.84%
-2.3% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
5.22%
+18.1% YoY
+19.9% QoQ
|
+1.36% |
3.86%
+2.8% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
Top 6.8% in tier |
| Efficiency Ratio ? |
63.97%
-23.9% YoY
-17.5% QoQ
|
-24.38% |
88.34%
+0.3% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
2.28%
-39.1% YoY
-25.8% QoQ
|
+0.90% |
1.37%
+33.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
87.24%
+2.3% YoY
+1.2% QoQ
|
+23.02% |
64.22%
-0.7% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
18.23%
-29.4% YoY
-28.4% QoQ
|
-5.49% |
23.71%
+0.3% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
1.68%
-34.6% YoY
-22.8% QoQ
|
+0.90% |
0.79%
+28.2% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.9% in tier |
| Tier 1 Capital Ratio ? |
15.55%
-18.7% YoY
-4.8% QoQ
|
-11.13% |
26.68%
+2.0% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.21%
+15.9% YoY
-72.6% QoQ
|
-0.46% |
0.67%
+1.9% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
Top 11.1% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.