BlastPoint's Banking Scorecard
Genesis Bank
Micro
Specialty: Consumer
MS
FDIC cert 15817
Designations: ✓ Community bank
Benoit, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
Genesis Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.43% above tier
- - Nonperforming Asset Ratio 1.73% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.6M
+24.1% YoY
+0.3% QoQ
|
-$133.9M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$59.4M
+21.4% YoY
+10.0% QoQ
|
-$79.7M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$69.0M
+30.9% YoY
+0.5% QoQ
|
-$114.7M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
0.30%
-63.7% YoY
-39.6% QoQ
|
-0.79% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
4.35%
-29.3% YoY
+1.0% QoQ
|
+0.50% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
77.54%
-6.9% YoY
+0.1% QoQ
|
+9.81% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
3.07%
-25.4% YoY
+8.4% QoQ
|
+2.43% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
86.19%
-7.3% YoY
+9.5% QoQ
|
+11.66% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
25.46%
+5.5% YoY
+0.3% QoQ
|
+3.07% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
2.18%
-27.0% YoY
+18.9% QoQ
|
+1.73% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.77%
-13.9% YoY
+14.1% QoQ
|
+0.21% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
3.07%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.18%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.46% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
30
30th pctile
Loan-to-Deposit Ratio
Current: 86.19% · Tier avg: 74.53%
24
24th pctile
Total Loans
Current: $59.4M · Tier avg: $139.2M
24
24th pctile
Efficiency Ratio
Current: 77.54% · Tier avg: 67.73%
17
17th pctile
Total Assets
Current: $83.6M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $69.0M · Tier avg: $183.7M
12
12th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.08%
7
7th pctile
Delinquency Rate
Current: 3.07% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.18% · Tier avg: 0.45%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 2.18% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 3.07% · Tier avg: 0.64%
12
12th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.08%
17
17th pctile
Total Deposits
Current: $69.0M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $83.6M · Tier avg: $217.5M
24
24th pctile
Efficiency Ratio
Current: 77.54% · Tier avg: 67.73%
24
24th pctile
Total Loans
Current: $59.4M · Tier avg: $139.2M
30
30th pctile
Loan-to-Deposit Ratio
Current: 86.19% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.46% · Tier avg: 22.39%
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%