Genesis Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Genesis Bank of Newport Beach, CA against its peer group of 2757 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 | -0.51% | 1.25% | -1.76% | 2nd bottom |
| ROAE | -4.43% | 12.22% | -16.65% | 2nd bottom |
| Net Interest Margin | 3.42% | 3.95% | -0.53% | 24th bottom |
| Efficiency Ratio | 115.41% | 63.71% | +51.70% | 1st bottom |
| PPNR / Avg Assets | -0.65% | — | — | 1st bottom |
| Yield on Earning Assets | 4.75% | 5.67% | -0.92% | 14th bottom |
| Cost of Funds | 1.59% | 1.87% | -0.28% | 64th above |
| Net Interest Spread | 2.27% | — | — | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.88% | -0.84% | 80th top |
| NPA / Total Assets | 0.03% | — | — | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.23% | — | — | 54th above |
| ACL / NPLs (Coverage) | 2747.01% | — | — | — |
| Texas Ratio | 0.26% | 5.96% | -5.70% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.51% | 17.18% | -1.67% | 54th above |
| Tier 1 Ratio | 18.12% | 17.21% | +0.91% | 70th above |
| Total Capital Ratio | 19.38% | — | — | 70th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.01% | 11.75% | -0.74% | 50th above |
| Equity / Assets | 12.72% | 10.98% | +1.74% | 76th top |
| TCE / Tangible Assets | 10.49% | — | — | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.19% | 80.44% | +8.75% | 30th below |
| Core Deposit Ratio | 92.91% | 86.95% | +5.96% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -29.29% | — | — | 0th bottom |
| Loan Growth (Y/Y) | -13.56% | — | — | 1st bottom |
| Deposit Growth (Y/Y) | -31.94% | — | — | 0th bottom |
See Genesis Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Genesis 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 Genesis Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Genesis Bank peer analysis.