GENESEE REGIONAL BANK

ROCHESTER, NY | Large | Est. Aug. 12, 1985, midnight | FDIC #26333 | RSSD #852704 | FDIC
Latest Report: 2025-12-31

GENESEE REGIONAL BANK is aln large FDIC-insured commercial bank headquartered in ROCHESTER, NY, established in Aug. 12, 1985, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.0B. Profitability stands at 1.35% ROA and 15.52% ROE, with a net interest margin of 3.21%. The bank's CET1 capital ratio is 8.66%. Asset quality metrics show a non-performing loan ratio of 0.66% and a Texas Ratio of 4.78%. FDIC Certificate #26333.

Assets

$1.3B

Deposits

$1.0B

Loans

$932M

Equity

$117M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 15.52%
Net Interest Margin (NIM) 3.21%
Yield on Assets 5.76%
Cost of Funds 3.05%

Asset Quality

NPL Ratio 0.66%
Net Charge-Off Ratio 0.00%
Texas Ratio 4.78%
NPA Ratio 0.47%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 8.66%
Tier 1 Capital 8.66%
Total Capital Ratio 9.09%
Leverage Ratio 10.19%
Loan-to-Deposit 88.95%

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