# GENESIS BANK
BENOIT, MS · FDIC certificate 15817 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $97.2M | |
| Deposits | $73.8M | |
| Loans and leases | $77.8M | |
| Total equity | $19.0M | |
| Loans / deposits | 104.25% (p94 of band) | 73.59% |
| Liquid assets / assets | 16.58% (p15 of band) | |
| Uninsured deposits / deposits | 47.79% (p96 of band) | 19.81% |
| Brokered deposits | 17.98% | |
| Wholesale funding | 21.06% (p95 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 19.59% (p89 of band) | 11.76% |
| Unrealized securities loss / equity | -0.08% (p90 of band) | -6.57% |
| AOCI / equity | -0.04% (p67 of band) | |
| ROA (annualized) | 0.95% (p37 of band) | 1.17% |
| Net interest margin | 5.10% (p91 of band) | 3.93% |
| Efficiency ratio | 65.47% (p49 of band) | |
| Noncurrent loans | 2.85% (p91 of band) | 0.36% |
| Net charge-offs (annualized) | -0.08% (p3 of band) | |
| Reserve coverage of noncurrent | 41.31% | |
| Real estate % of loans | 4% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $935,000 (1.20% of loans; DQ 7.27%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 23.2% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | noncurrent p90 | losing money |
| 2012-06 | 1 |  | noncurrent p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 3 | capital falling, losing money |  |
| 2013-03 | 2 |  | losing money |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 3 | deposits shrinking, assets shrinking |  |
| 2013-12 | 1 |  | deposits shrinking, assets shrinking |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | noncurrent p90 |  |
| 2015-03 | 2 | capital falling | noncurrent p90 |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 5 | noncurrent p90 |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, noncurrent p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 2 | noncurrent p90 | capital falling |
| 2017-09 | 4 | auto book souring, uninsured deposits leaving |  |
| 2017-12 | 5 | deposits shrinking, assets shrinking | auto book souring |
| 2018-03 | 7 | capital falling, losing money, expense ratio p90 | assets shrinking |
| 2018-06 | 4 |  | uninsured deposits leaving, deposits shrinking, losing money |
| 2018-09 | 8 | losing money, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2018-12 | 3 |  | losing money, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-03 | 3 | capital falling | expense ratio p90 |
| 2019-06 | 1 |  | noncurrent p90, capital falling |
| 2019-09 | 2 | noncurrent p90 |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-06 | 3 | losing money, expense ratio p90 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-09 | 1 |  | losing money, expense ratio p90 |
| 2020-12 | 3 | capital falling, noncurrent p90 |  |
| 2021-03 | 4 | losing money, expense ratio p90 | noncurrent p90 |
| 2021-06 | 2 |  | reserve under noncurrent, capital falling |
| 2021-09 | 1 | charge-offs p90 | losing money, expense ratio p90 |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | losing money, expense ratio p90 | charge-offs p90 |
| 2022-06 | 1 | uninsured deposits >50% | losing money, expense ratio p90 |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2023-03 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2023-06 | 2 | reserve under noncurrent |  |
| 2023-09 | 4 | brokered >10%, noncurrent p90 |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 6 | wholesale funding >15%, charge-offs p90 |  |
| 2024-06 | 7 | capital falling |  |
| 2024-09 | 7 |  |  |
| 2024-12 | 7 |  |  |
| 2025-03 | 7 |  |  |
| 2025-06 | 6 |  | noncurrent p90 |
| 2025-09 | 6 | noncurrent p90 | capital falling |
| 2025-12 | 6 |  |  |
| 2026-03 | 5 | capital falling | charge-offs p90, noncurrent p90 |
| 2026-06 | 5 | loans exceed deposits, noncurrent p90 | uninsured deposits >50%, capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-05-11 [Genesis Bank is betting big on mom-and-pop salons - American Banker](https://news.google.com/rss/articles/CBMijgFBVV95cUxPZ1AwbS11aHV6ekd4RzhZSXVJeEZ0ZEFaaXRsUi1raXZUeDlFRkY1amxtV1Y3NXF3b1lHUl9kWGdCRUItMjZDU0RsQW1pajVJWF9oV0VIMmNjVTBMTXk4c2hMVi1IZG1BVEVoOUZyOWMyNm52R0pHbTVOaEM0cl9CejNsQU1hNW9IX2pyZFd3?oc=5) · American Banker
- 2023-04-13 [Congressman announces UMB earns almost $5 million in federal funds to help community post-pandemic - The Natchez Democrat](https://news.google.com/rss/articles/CBMi2AFBVV95cUxObkVvcmtiSHFmY2dpdDBPTGFfSEFnMXNleTJ2eF9od0tzSC05V281WGRGMmNndEVrQl92eHhBUGRhQ2h5b1RNdWdFcVpZMXNKcmxsYTRZYmlRcU5FNlZsbFFSSktpQ3lRNXFEbmliRlRXYUQzalE3Zi1TQ0lMbUlJNTNhdlU3ZVlMSkx0d2FBQk1IS2h3OGUtV21KOUtmQ3ZzS21DWkhwQ2RwSmdCUVBydjQyOUM1OFFnRmVxY2JjU0VURXdUSVdSM0JLUFUwNEp3azFUdld3Y0w?oc=5) · The Natchez Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15817 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "15817", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide