Genesis 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.
Loan-to-deposit ratio climbed 14.98 percentage points in Q2 2026, from 74.22% to 89.19%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Genesis Bank is 12th from the bottom among 114 California banks, -0.51% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Genesis Bank reported -0.51% on return on assets in Q2 2026, 1.77 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.51% |
| Tier 1 risk-based capital ratio | 18.12% |
| Total risk-based capital ratio | 19.38% |
| Tier 1 leverage ratio | 11.01% |
| Equity capital to assets | 12.72% |
| Tangible equity to tangible assets | 12.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.26% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 2747.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.51% |
| Return on equity | -4.43% |
| Net interest margin | 3.42% |
| Efficiency ratio | 115.41% |
| Yield on earning assets | 4.75% |
| Cost of funds | 1.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.19% |
| Core deposits to total deposits | 92.91% |
| Brokered deposits to total deposits | 3.69% |
| Deposits to assets | 85.94% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 29.67% | 33.61% | 34.77% | 30.86% | -4.47% |
| Q4 2023 | 28.75% | 32.74% | 33.90% | 27.14% | -4.42% |
| Q1 2024 | 27.89% | 31.91% | 33.11% | 24.40% | -3.59% |
| Q2 2024 | 36.99% | 42.53% | 43.79% | 21.17% | -3.14% |
| Q3 2024 | 35.81% | 41.37% | 42.63% | 21.33% | -2.57% |
| Q4 2024 | 35.59% | 41.35% | 42.60% | 21.52% | -3.16% |
| Q1 2025 | 33.70% | 39.45% | 40.71% | 21.05% | -3.90% |
| Q2 2025 | 13.66% | 15.96% | 17.21% | 15.34% | 3.89% |
| Q3 2025 | 13.60% | 15.92% | 17.17% | 9.55% | -0.56% |
| Q4 2025 | 15.45% | 18.02% | 19.27% | 10.77% | 0.88% |
| Q1 2026 | 15.89% | 18.53% | 19.79% | 10.84% | 0.02% |
| Q2 2026 | 15.51% | 18.12% | 19.38% | 11.01% | -0.51% |
Genesis Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Genesis 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 Genesis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59245) · FFIEC NIC profile (RSSD 5620869)