GENOA BANKING COMPANY, THE

GENOA, OH | Medium | Est. Sept. 9, 1902, midnight | FDIC #2285 | RSSD #504311 | FED
Latest Report: 2025-12-31

GENOA BANKING COMPANY, THE is amn medium FDIC-insured commercial bank headquartered in GENOA, OH, established in Sept. 9, 1902, midnight. As of 2025-12-31, the bank reported total assets of $721M and total deposits of $643M. Profitability stands at 0.92% ROA and 12.89% ROE, with a net interest margin of 3.82%. The bank's CET1 capital ratio is 10.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.11%. FDIC Certificate #2285.

Assets

$721M

Deposits

$643M

Loans

$540M

Equity

$53M

Profitability

Return on Assets (ROA) 0.92%
Return on Equity (ROE) 12.89%
Net Interest Margin (NIM) 3.82%
Yield on Assets 6.01%
Cost of Funds 2.21%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.11%
NPA Ratio 0.01%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 10.84%
Tier 1 Capital 10.84%
Total Capital Ratio 12.03%
Leverage Ratio 7.32%
Loan-to-Deposit 83.95%

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