BlastPoint's Banking Scorecard
Genesis Bank
Designations: ✓ Community bank
Benoit, MS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 4 in MS.
- Deposits +23.2% year over year ($73.8M on the books).
- Delinquency rate 2.89%.
- Return on assets 0.95%.
- Efficiency ratio 65.47% vs a 119.40% peer average.
- Loan-to-deposit ratio 104.25% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Genesis Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.18% above tier average
- + Efficiency Ratio 53.92% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 30.04% above tier average
- - Nonperforming Asset Ratio 1.45% above tier average
- - Delinquency Rate 1.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$97.2M
+30.6% YoY
-1.1% QoQ
|
+$34.8M |
$62.4M
-0.0% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
Top 3.5% in tier |
| Total Loans ? |
$76.9M
+46.9% YoY
+5.8% QoQ
|
+$42.0M |
$34.9M
-0.6% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
Top 2.6% in tier |
| Total Deposits ? |
$73.8M
+23.2% YoY
-11.5% QoQ
|
+$22.2M |
$51.6M
-0.2% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
81% |
| Return on Assets ? |
0.95%
+63.8% YoY
-19.4% QoQ
|
-0.05% |
1.00%
+3.5% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
48% |
| Net Interest Margin ? |
5.10%
+16.8% YoY
-2.4% QoQ
|
+1.18% |
3.91%
+2.3% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
Top 10.3% in tier |
| Efficiency Ratio ? |
65.47%
-12.4% YoY
+2.4% QoQ
|
-53.92% |
119.40%
+49.6% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
2.89%
+32.0% YoY
+26.8% QoQ
|
+1.41% |
1.48%
+31.8% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.2% in tier |
| Loan-to-Deposit Ratio ? |
104.25%
+19.3% YoY
+19.5% QoQ
|
+30.04% |
74.21%
+12.6% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 6.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.81%
-21.7% YoY
-13.3% QoQ
|
-7.68% |
23.49%
+0.6% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
2.28%
+48.5% YoY
+35.6% QoQ
|
+1.45% |
0.84%
+23.0% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 8.4% in tier |
| Tier 1 Capital Ratio ? |
19.59%
+9.4% YoY
+26.0% QoQ
|
-7.54% |
27.13%
+3.0% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.25%
-54.6% YoY
+20.7% QoQ
|
-1.13% |
1.38%
+6.3% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
79% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.8%
-4.4pp YoY -2.4pp QoQ |
-8.8pp | 24.6% | 23.1% | 22.2% | 21% |
| Brokered Deposits |
23.7%
-4.0pp YoY +2.7pp QoQ |
+13.9pp | 9.8% | 3.8% | 8.5% | 91% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.6%
+5.4pp YoY -0.6pp QoQ |
-4.8pp | 13.4% | 12.4% | 12.5% | 44% |
| CRE | n/a | n/a | 25.2% | 42.3% | 41.4% | n/a |
| 1-4 Family |
0.6%
0.0pp QoQ |
-34.4pp | 35.0% | 33.1% | 31.3% | 4% |
| Consumer |
88.6%
-6.6pp YoY +0.9pp QoQ |
+80.9pp | 7.7% | 5.6% | 5.0% | 100% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
19.6%
+1.7pp YoY +4.0pp QoQ |
+1.9pp | 17.7% | 11.9% | 12.6% | 84% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
0 YoY 0 QoQ |
+6 | 12 | 297 | 482 | 84% |
| Assets per Employee ($) |
$5.4M
+30.6% YoY -1.1% QoQ |
-$786K | $6.2M | $6.2M | $8.8M | 42% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 22 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.9%
+0.9pp YoY +0.3pp QoQ |
-0.1pp | 1.0% | 0.3% | 0.4% | 67% |
| Nonaccrual |
2.0%
-0.2pp YoY +0.3pp QoQ |
+0.3pp | 1.7% | 0.9% | 1.0% | 75% |
| Allowance Coverage |
0.41x
-13.2% YoY -11.7% QoQ |
-6.00x | 6.41x | 4.87x | 20.23x | 14% |
| Net Charge-off Rate (YTD) |
-0.1%
-1.3pp YoY +0.2pp QoQ |
-0.3pp | 0.2% | 0.1% | 0.2% | 9% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.7%
+2.6pp YoY -2.1pp QoQ |
-0.7pp | 6.4% | 11.7% | 11.6% | 36% |
| Cost of Funds (YTD) |
2.9%
-0.2pp YoY +0.1pp QoQ |
+1.4pp | 1.4% | 1.8% | 1.7% | 98% |
| Net Income ($, YTD) |
$442,000
+110.5% YoY — QoQ |
+$124K | $317,817 | $13.8M | $40.4M | 68% |
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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.