Genesis Bank (Newport Beach, CA)
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Data as of · sourced from FFIEC call reports. How we update
Genesis Bank is an FDIC-insured commercial bank headquartered in Newport Beach, CA, established in 2021 (FDIC certificate 59245), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $340.3M, down 29.3% from Q2 2025, the 90th largest of 113 banks headquartered in California. Its CET1 capital ratio was 15.51% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59245
- Headquarters
- Newport Beach, CA
- Established
- 2021
- Total assets, Q2 2026
- $340.3M
- Assets vs Q2 2025
- -29.3%
- CET1 ratio, Q2 2026
- 15.51%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 122245280
- Asset rank in state
- 90th of 113 in California
Genesis Bank spends more to run itself than most banks of its size. The Newport Beach, California bank had $340 million in assets at June 30, 2026, down 29.3% from a year earlier. It loses about $0.51 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 115 cents to bring in each dollar of revenue, about double the median of 61 cents for banks its size.
It lost $482,000 in the quarter. Over the same year, loans shrank 13.6% and deposits shrank 31.9%. Concentration is the risk to watch: it holds commercial real estate loans worth 4.6 times its capital, 3.8 times the median of 1.2 times for banks its size.
As of June 30, 2026, Genesis Bank reported a CET1 capital ratio of 15.51%, a return on assets of -0.51%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.26%. The figures come from its call report filed with the FFIEC.
Genesis Bank ranks as the 90th largest of the 113 banks based in California, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 16.1% to $340.3M, loans fell 1.5% and deposits fell 18.0%. The largest part of its loan book on June 30, 2026 was multifamily loans, at 64.4% of total loans, ahead of owner-occupied commercial real estate loans at 15.4%. The FDIC Summary of Deposits lists 3 offices for it, in Newport Beach, CA, Beverly Hills, CA and Temecula, CA; its Newport Beach office books 64% of its branch deposits. Judged on its Q2 2026 call report, Genesis Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4675 Macarthur Ct, Newport Beach, CA 92660
- County
- Orange
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 2, 2021
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $292.4M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $378.6M
- Average total loans
- $260.8M
- Average interest-bearing deposits
- $181.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 2, 2021
- FDIC Cert
- 59245
- Fed RSSD
- 5620869
- Website
- www.mygenesisbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Genesis Bank's total assets ran between $173.4M (Q3 2023) and $481.2M (Q2 2025), and it earned a profit in 3 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$340.3M total assets against $481.2M; $297.0M total liabilities against $437.5M.
$257.6M net loans and leases against $297.9M; $292.4M total deposits against $429.6M.
$0 securities against $0; $67.1M cash and balances due against $169.8M.
$4.4M total interest income against $3.1M; $1.2M total interest expense against $1.3M.
$3.1M net interest income against $1.9M.
$385K total noninterest income against $6.9M; $4.1M total noninterest expense against $5.5M.
-$132K provision for credit losses against $623K.
-$482K net income against $2.7M.
-0.51% return on assets against 3.89%; 3.42% net interest margin against 2.80%.
15.51% CET1 capital ratio against 13.66%; 11.01% tier 1 leverage ratio against 15.34%.
Inside the full Genesis Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Genesis Bank rankings
Its closest position to the top of a national ranking is 777 of 2,134, for CET1 ratio; its furthest is 3,586 of 3,606, for efficiency ratio.
Banks merged into Genesis Bank
- EH National Bank, effective June 13, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -3.90% (Q1 2025) to 3.89% (Q2 2025) and its net interest margin ran from 2.80% (Q2 2025) to 3.93% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.51% | -0.51% | 0.04% | 0.26% | 3.42% |
| Q1 2026 | 15.89% | 0.02% | 0.07% | 0.43% | 3.73% |
| Q4 2025 | 15.45% | 0.88% | 0.08% | 0.48% | 3.93% |
| Q3 2025 | 13.60% | -0.56% | 0.14% | 0.92% | 3.16% |
| Q2 2025 | 13.66% | 3.89% | 0.19% | 0.96% | 2.80% |
| Q1 2025 | 33.70% | -3.90% | 0.00% | 0.00% | 2.88% |
| Q4 2024 | 35.59% | -3.16% | 0.00% | 0.00% | 3.04% |
| Q3 2024 | 35.81% | -2.57% | 0.00% | 0.00% | 3.36% |
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 |
|---|---|---|---|
| Genesis Bank (main office) | Newport Beach , CA | 92660 | $186.4M |
| Beverly Hills Branch | Beverly Hills , CA | 90212 | $97.8M |
| Temecula Office Branch | Temecula , CA | 92590 | $8.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 13, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 13, 2025 | Structure Change | Acquired EH National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 125 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 5 loans, $2.0M approved, $400K average. 20.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Genesis Bank
What are Genesis Bank's total assets?
As of the Q2 2026 filing, Genesis Bank reported total assets of $340.3 million in its FFIEC call report.
Where is Genesis Bank headquartered?
It is headquartered in Newport Beach, CA, United States.
When was Genesis Bank founded?
It was established in 2021, per the FDIC institution directory.
Is Genesis Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59245). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Genesis Bank?
Genesis Bank's primary federal regulator is the FDIC.
What is Genesis Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.51% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Genesis 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 Genesis Bank's Texas Ratio?
Its Texas Ratio is 0.26% 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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