Genesis Bank vs Shelby/Bolivar County
Comparing a Bank in Benoit, MS with a Credit Union in Boyle, MS using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Genesis Bank ↗ Bank · Benoit, MS · Est. 1904 | Shelby/Bolivar County ↗ Credit Union · Boyle, MS · Est. 1955 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Benoit, MS | Boyle, MS |
| Total assets | $98.3M | $4.7M |
| Capital ratio | 14.1% | 19.0% |
| Return on assets | 1.2% | 1.6% |
| Deposits | $83.3M | — |
| Branches | 1 | 2,133 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 57 | #2 of 55 |
| Established | 1904 | 1955 |
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
Shelby/Bolivar County
- Assets: $4.7M
- Members: 2,133
- Capital ratio: 19.0%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #2 of 55
Are both institutions federally insured?
Yes. Genesis Bank is FDIC-insured and Shelby/Bolivar County is NCUA-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 Shelby/Bolivar County?
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 Shelby/Bolivar County safe?
Yes — Shelby/Bolivar County is NCUA-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 Shelby/Bolivar County?
Genesis Bank has a capital ratio of 14.1%, placing it in the top 33% of <$100M peers. Shelby/Bolivar County's ratio is 19.0%, placing it in the top 26% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Genesis Bank have compared to Shelby/Bolivar County?
The CFPB database shows 0 complaints against Genesis Bank, and 0 complaints against Shelby/Bolivar County. 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 and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
