Genesis Bank vs Farmers And Merchants Bank
Comparing a Bank in Benoit, MS with a Bank in Baldwyn, MS using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Genesis Bank ↗ Bank · Benoit, MS · Est. 1904 | Farmers And Merchants Bank ↗ Bank · Baldwyn, MS · Est. 1941 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Benoit, MS | Baldwyn, MS |
| Total assets | $98.3M | $567.1M |
| Capital ratio | 14.1% | 12.9% |
| Return on assets | 1.2% | 1.8% |
| Deposits | $83.3M | $486.4M |
| Branches | 1 | 12 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 57 | #2 of 57 |
| Established | 1904 | 1941 |
Genesis Bank
- Assets: $98.3M
- Deposits: $83.3M
- Capital ratio: 14.1%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #3 of 57
Farmers And Merchants Bank
- Assets: $567.1M
- Deposits: $486.4M
- Capital ratio: 12.9%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #2 of 57
Are both institutions federally insured?
Yes. Genesis Bank is FDIC-insured and Farmers And Merchants Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Genesis Bank or Farmers And Merchants Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Genesis Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Genesis Bank safe?
Yes — Genesis Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Farmers And Merchants Bank safe?
Yes — Farmers And Merchants Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Genesis Bank vs Farmers And Merchants Bank?
Genesis Bank has a capital ratio of 14.1%, placing it in the top 33% of <$100M peers. Farmers And Merchants Bank's ratio is 12.9%, placing it in the top 21% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Genesis Bank have compared to Farmers And Merchants Bank?
The CFPB database shows 0 complaints against Genesis Bank, and 0 complaints against Farmers And Merchants Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Genesis Bank with other Banks in Mississippi
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
