Genesee Regional Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Genesee Regional Bank of Rochester, NY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.82% | 1.46% | +0.36% | 81st top |
| ROAE | 18.94% | 12.71% | +6.23% | 87th top |
| Net Interest Margin | 3.31% | 3.85% | -0.54% | 26th below |
| Efficiency Ratio | 51.28% | 57.41% | -6.13% | 72nd above |
| PPNR / Avg Assets | 2.30% | 1.88% | +0.42% | 82nd top |
| Yield on Earning Assets | 5.52% | 5.72% | -0.20% | 49th below |
| Cost of Funds | 2.40% | 2.02% | +0.38% | 25th below |
| Net Interest Spread | 2.78% | 3.18% | -0.40% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.95% | 1.00% | -0.05% | 34th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.69% | 0.76% | -0.07% | 37th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.43% | -0.33% | 28th below |
| ACL / Total Loans | 1.38% | 1.31% | +0.07% | 78th top |
| ACL / NPLs (Coverage) | 144.78% | 543.56% | -398.78% | 43rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.61% | 7.39% | -0.78% | 37th below |
| Provision / NCO | 109.66% | 618.91% | -509.25% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.97% | 11.44% | -0.47% | 60th above |
| Equity / Assets | 9.54% | 11.34% | -1.80% | 33rd below |
| TCE / Tangible Assets | 9.54% | 10.50% | -0.96% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.62% | 86.95% | -2.33% | 59th above |
| Core Deposit Ratio | 84.73% | 85.55% | -0.82% | 34th below |
| Uninsured Deposit Ratio | 35.66% | 33.12% | +2.54% | 37th below |
| Wholesale Funding Ratio | 7.34% | 5.70% | +1.64% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.13% | 9.68% | -7.55% | 29th below |
| Loan Growth (Y/Y) | 0.44% | 8.06% | -7.62% | 19th bottom |
| Deposit Growth (Y/Y) | 9.81% | 7.87% | +1.94% | 74th above |
See Genesee Regional Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Genesee Regional Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Genesee Regional Bank profile, how to read a UBPR, or how this data updates.