Genesee Regional Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.97% +1.97 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $139.8M | 139,819 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.27B | 1,274,965 | RCOAA224 |
| Recomputed ratio | 10.97% | numerator / denominator | |
| Filed ratio | 10.97% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.97 pp | $25.1M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 40,216 | 40,161 | 40,108 | 40,046 | 39,984 | 39,567 | RCOAP742 |
| Retained earnings | 99,652 | 95,103 | 91,486 | 88,225 | 85,222 | 82,017 | RCOAKW00 |
| Accumulated other comprehensive income | (14,864) | (15,007) | (15,045) | (15,895) | (19,884) | (20,594) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 125,004 | 120,257 | 116,549 | 112,376 | 105,322 | 100,990 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 14,815 | 14,955 | 14,987 | 15,834 | 19,820 | 20,584 | P859 - P840 |
| Common equity Tier 1 capital | 139,819 | 135,212 | 131,536 | 128,210 | 125,142 | 121,574 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 139,819 | 135,212 | 131,536 | 128,210 | 125,142 | 121,574 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 1,274,965 | 1,273,488 | 1,291,031 | 1,275,369 | 1,241,569 | 1,240,537 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.97% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 10.62% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 10.19% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 10.05% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 10.08% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 9.80% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 9.53% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 9.56% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 9.70% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 9.71% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 9.51% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 9.27% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Genesee Regional Bank (this bank) | CBLR | NA | NA | NA | 10.97% | |
| Signature Bank, N.A. | $1.31B | Risk-based | 14.27% | 14.27% | 15.32% | 12.44% |
| First Texas Bank | $1.31B | Risk-based | 20.48% | 20.48% | 20.89% | 11.25% |
| Webster Five Cents Savings Bank | $1.31B | CBLR | NA | NA | NA | 12.52% |
| Fidelity Co-Operative Bank | $1.31B | CBLR | NA | NA | NA | 9.86% |
| HNB National Bank | $1.31B | CBLR | NA | NA | NA | 9.72% |
| Farmers State Bank | $1.31B | CBLR | NA | NA | NA | 10.75% |
| Piedmont Federal Savings Bank | $1.32B | CBLR | NA | NA | NA | 18.60% |
| First Capital Bank | $1.32B | CBLR | NA | NA | NA | 9.58% |
| Greene County Commercial Bank | $1.32B | Risk-based | 51.28% | 51.28% | 51.28% | 10.05% |
| Peer 25th percentile | 17.38% | 17.38% | 18.10% | 9.86% | ||
| Peer median | 20.48% | 20.48% | 20.89% | 10.75% | ||
| Peer 75th percentile | 35.88% | 35.88% | 36.08% | 12.44% | ||
| This bank's percentile | NA | NA | NA | 56 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/852704/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.