Genesis Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Equity capital to total assets: 1.93 percentage points higher than in Q1 2026, at 12.72%. Genesis Bank ranks 35th of 74 California banks on CET1 ratio, in the upper half at 15.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio; Genesis Bank reported 15.51% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.51% |
| Tier 1 risk-based capital ratio | 18.12% |
| Total risk-based capital ratio | 19.38% |
| Tier 1 leverage ratio | 11.01% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $35.5M |
| Tier 1 capital | $41.5M |
| Total risk-based capital | $44.4M |
| Total equity capital | $43.3M |
| Risk-weighted assets | $229.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.72% |
| Tangible equity to tangible assets | 12.26% |
| Equity capital to average assets | 11.43% |
| Internal capital growth rate | -4.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $74.9M |
| Common stock surplus | $2.4M |
| Retained earnings | -$39.9M |
| Preferred stock and surplus | $6.0M |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 29.67% | 33.61% | 34.77% | 30.86% | $151.9M |
| Q4 2023 | 28.75% | 32.74% | 33.90% | 27.14% | $150.1M |
| Q1 2024 | 27.89% | 31.91% | 33.11% | 24.40% | $148.8M |
| Q2 2024 | 36.99% | 42.53% | 43.79% | 21.17% | $107.8M |
| Q3 2024 | 35.81% | 41.37% | 42.63% | 21.33% | $107.6M |
| Q4 2024 | 35.59% | 41.35% | 42.60% | 21.52% | $103.8M |
| Q1 2025 | 33.70% | 39.45% | 40.71% | 21.05% | $104.0M |
| Q2 2025 | 13.66% | 15.96% | 17.21% | 15.34% | $260.8M |
| Q3 2025 | 13.60% | 15.92% | 17.17% | 9.55% | $258.0M |
| Q4 2025 | 15.45% | 18.02% | 19.27% | 10.77% | $233.1M |
| Q1 2026 | 15.89% | 18.53% | 19.79% | 10.84% | $226.1M |
| Q2 2026 | 15.51% | 18.12% | 19.38% | 11.01% | $229.0M |
Genesis Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Genesis Bank, freeSource: Call Report Schedule RC-R, 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 Genesis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59245) · FFIEC NIC profile (RSSD 5620869)