Genesee Regional Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 32.1% in Q2 2026, from $19.9M to $26.3M. It was the largest change from Q1 2026 among the key lines here. Within New York, Genesee Regional Bank is 53rd of 105 on loan-to-deposit ratio, 84.62% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Genesee Regional Bank sits 3.59 points lower, at 84.62% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $910.2M |
| Net loans and leases | $897.7M |
| Loans held for sale | $26.3M |
| Loans to total assets | 69.50% |
| Loan-to-deposit ratio | 84.62% |
| Net loans to equity capital | 7.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.96% |
| Multifamily (5+ residential) | 1.38% |
| Commercial and industrial | 23.17% |
| Consumer | 0.31% |
| Credit cards | 0.00% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 167.58% |
| Construction concentration (Tier 1 capital + allowance) | 38.75% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.36% |
| Interest income on loans | $14.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $820.2M | $810.7M | 32.11% | 23.95% | 0.68% |
| Q4 2023 | $835.2M | $852.6M | 33.04% | 25.59% | 0.56% |
| Q1 2024 | $824.4M | $822.1M | 33.15% | 26.60% | 0.65% |
| Q2 2024 | $869.7M | $905.4M | 32.30% | 27.36% | 0.52% |
| Q3 2024 | $898.6M | $935.5M | 32.22% | 25.75% | 0.49% |
| Q4 2024 | $933.2M | $980.4M | 32.21% | 25.14% | 0.42% |
| Q1 2025 | $898.2M | $968.2M | 33.67% | 24.80% | 0.32% |
| Q2 2025 | $906.3M | $979.6M | 33.19% | 26.22% | 0.31% |
| Q3 2025 | $945.0M | $1.00B | 34.04% | 25.64% | 0.40% |
| Q4 2025 | $932.3M | $1.05B | 34.45% | 24.59% | 0.28% |
| Q1 2026 | $912.5M | $1.06B | 35.07% | 24.14% | 0.26% |
| Q2 2026 | $910.2M | $1.08B | 34.96% | 23.17% | 0.31% |
Genesee Regional Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Genesee Regional Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Genesee Regional Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26333) · FFIEC NIC profile (RSSD 852704)