Genesee Regional Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 38.50 percentage points in Q2 2026, from 183.28% to 144.78%. It was the largest change from Q1 2026 among the key lines here. Within New York, Genesee Regional Bank is 12th of 105 on return on assets, 1.82% as of Q2 2026, above the middle of the field. Genesee Regional Bank reported 1.82% on return on assets for Q2 2026, 0.55 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.97% |
| Equity capital to assets | 9.54% |
| Tangible equity to tangible assets | 9.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.95% |
| Non-performing assets ratio | 0.69% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 6.61% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 144.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.82% |
| Return on equity | 18.94% |
| Net interest margin | 3.31% |
| Efficiency ratio | 51.28% |
| Yield on earning assets | 5.52% |
| Cost of funds | 2.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.62% |
| Core deposits to total deposits | 84.73% |
| Brokered deposits to total deposits | 9.34% |
| Deposits to assets | 82.14% |
| Securities to assets | 15.97% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.27% | -0.07% | 2.26% | 0.23% | 0.00% |
| Q4 2023 | 9.51% | 0.46% | 2.33% | 0.10% | -0.08% |
| Q1 2024 | 9.71% | 0.65% | 2.38% | 0.09% | -0.00% |
| Q2 2024 | 9.70% | 0.84% | 2.29% | 0.20% | -0.00% |
| Q3 2024 | 9.56% | 0.66% | 2.59% | 0.17% | -0.00% |
| Q4 2024 | 9.53% | 1.03% | 2.71% | 0.21% | 0.00% |
| Q1 2025 | 9.80% | 0.96% | 2.84% | 0.41% | -0.00% |
| Q2 2025 | 10.08% | 1.38% | 2.93% | 0.80% | -0.00% |
| Q3 2025 | 10.05% | 1.10% | 3.14% | 0.74% | -0.00% |
| Q4 2025 | 10.19% | 1.38% | 3.14% | 0.79% | -0.00% |
| Q1 2026 | 10.62% | 1.34% | 3.17% | 0.77% | 0.00% |
| Q2 2026 | 10.97% | 1.82% | 3.31% | 0.95% | 0.10% |
Genesee Regional Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Genesee Regional Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)