Genesee Regional Bank
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Data as of · sourced from FFIEC call reports. How we update
Genesee Regional Bank is an FDIC-insured commercial bank headquartered in Rochester, NY, established in 1985 (FDIC certificate 26333), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.31B, up 2.1% from Q2 2025, the 48th largest of 105 banks headquartered in New York. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.97% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26333
- Headquarters
- Rochester, NY
- Established
- 1985
- Total assets, Q2 2026
- $1.31B
- Assets vs Q2 2025
- +2.1%
- Tier 1 leverage ratio, Q2 2026
- 10.97%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 022313021
- Latest call report
- Q2 2026, FFIEC 051 · Genesee Regional Bank call report
- Holding company
- GREATER ROCHESTER BANCORP, INC.
- Asset rank in state
- 48th of 105 in New York
Genesee Regional Bank is one of the more profitable banks of its size. Based in Rochester, New York, it had $1.3 billion in assets at June 30, 2026, up 2.1% from a year earlier. It returns 18.9% a year on shareholders' equity, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). It also grew its loan book 0.4% over the year, a small fraction of the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $5.8 million, 36% above the same quarter a year earlier. Over the same year, loans grew 0.4% and deposits grew 9.8%. Funding is the softer spot: it pays an average of 2.40% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Genesee Regional Bank reported a return on assets of 1.82%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 3.61%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Genesee Regional Bank is the 48th largest of the 105 banks headquartered in New York. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $1.31B, loans fell 0.2% and deposits rose 1.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 29.5% of total loans, ahead of commercial and industrial loans at 23.2%. The FDIC Summary of Deposits lists 3 offices for it, in Rochester, NY. Judged on its Q2 2026 call report, Genesee Regional Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1850 Winton Rd S, Rochester, NY 14618
- County
- Monroe
- Metro Area
- Rochester, NY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 12, 1985
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 173
- Domestic deposits
- $1.08B
- Allowance for credit losses
- $12.6M
- Net charge-offs (YTD)
- $238K
- Average total assets
- $1.28B
- Average total loans
- $911.2M
- Average interest-bearing deposits
- $862.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 12, 1985
- FDIC Cert
- 26333
- Fed RSSD
- 852704
- SEC CIK
- 1465966 → filed by GREATER ROCHESTER BANCORP, INC.
- Website
- www.grbbank.com →
- Parent Holding Company
- GREATER ROCHESTER BANCORP, INC. (RSSD 3644722)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Genesee Regional Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Genesee Regional Bank's total assets moved between a low of $1.14B (Q4 2023) and a high of $1.32B (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.31B total assets against $1.28B; $1.18B total liabilities against $1.18B.
$897.7M net loans and leases against $894.5M; $1.08B total deposits against $979.6M.
$209.2M securities against $197.7M; $131.2M cash and balances due against $124.0M.
$16.8M total interest income against $16.6M; $6.7M total interest expense against $8.0M.
$10.0M net interest income against $8.7M.
$5.1M total noninterest income against $4.6M; $7.8M total noninterest expense against $7.3M.
-$218K provision for credit losses against $510K.
$5.8M net income against $4.3M.
1.82% return on assets against 1.38%; 3.31% net interest margin against 2.93%.
10.97% tier 1 leverage ratio against 10.08%.
Inside the full Genesee Regional Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGenesee Regional Bank rankings
Its closest position to the top of a national ranking is 718 of 3,611, for ROA; its furthest is 1,678 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.66% (Q3 2024) to 1.82% (Q2 2026) and its net interest margin ran from 2.59% (Q3 2024) to 3.31% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.97% | 1.82% | 0.59% | 3.61% | 3.31% |
| Q1 2026 | 10.62% | 1.34% | 0.63% | 3.97% | 3.17% |
| Q4 2025 | 10.19% | 1.38% | 0.72% | 4.32% | 3.14% |
| Q3 2025 | 10.05% | 1.10% | 0.65% | 4.83% | 3.14% |
| Q2 2025 | 10.08% | 1.38% | 0.70% | 5.31% | 2.93% |
| Q1 2025 | 9.80% | 0.96% | 0.06% | 0.46% | 2.84% |
| Q4 2024 | 9.53% | 1.03% | 0.11% | 0.85% | 2.71% |
| Q3 2024 | 9.56% | 0.66% | 0.07% | 0.49% | 2.59% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Genesee Regional Bank (main office) | Rochester , NY | 14618 | $937.1M |
| Pittsford Branch | Rochester , NY | 14618 | $102.8M |
| Greece Branch | Rochester , NY | 14626 | $35.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 78 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,157 applications, 1,717 loans originated, $428.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 23 loans, $11.9M approved, $516K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Genesee Regional Bank
What are Genesee Regional Bank's total assets?
As of the Q2 2026 filing, Genesee Regional Bank reported total assets of $1.31 billion in its FFIEC call report.
Where is Genesee Regional Bank headquartered?
It is headquartered in Rochester, NY, United States.
When was Genesee Regional Bank founded?
It was established in 1985, per the FDIC institution directory.
Is Genesee Regional Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26333). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Genesee Regional Bank?
Genesee Regional Bank's primary federal regulator is the FDIC.
How many branches does Genesee Regional Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Genesee Regional Bank's Texas Ratio?
Its Texas Ratio is 3.61% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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