The Genoa Banking Company: 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 22.8% lower than in Q1 2026, at -$1.6M. The Genoa Banking Company has the 7th lowest CET1 ratio of the 84 banks headquartered in Ohio, at 10.95% as of Q2 2026. The Genoa Banking Company reported 10.95% on CET1 ratio for Q2 2026, 4.12 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.95% |
| Tier 1 risk-based capital ratio | 10.95% |
| Total risk-based capital ratio | 12.13% |
| Tier 1 leverage ratio | 7.58% |
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 | $56.4M |
| Tier 1 capital | $56.4M |
| Total risk-based capital | $62.5M |
| Total equity capital | $54.8M |
| Risk-weighted assets | $515.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.33% |
| Tangible equity to tangible assets | 7.33% |
| Equity capital to average assets | 7.37% |
| Internal capital growth rate | 12.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $438K |
| Common stock surplus | $1.0M |
| Retained earnings | $55.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 11.05% | 11.05% | 12.22% | 7.96% | $411.0M |
| Q4 2023 | 10.87% | 10.87% | 12.02% | 7.76% | $420.7M |
| Q1 2024 | 10.81% | 10.81% | 11.95% | 7.59% | $426.8M |
| Q2 2024 | 10.49% | 10.49% | 11.61% | 7.29% | $445.7M |
| Q3 2024 | 10.57% | 10.57% | 11.69% | 7.13% | $451.0M |
| Q4 2024 | 10.76% | 10.76% | 11.92% | 7.10% | $450.8M |
| Q1 2025 | 10.69% | 10.69% | 11.86% | 7.19% | $461.2M |
| Q2 2025 | 10.65% | 10.65% | 11.80% | 7.14% | $475.9M |
| Q3 2025 | 10.64% | 10.64% | 11.80% | 7.20% | $487.6M |
| Q4 2025 | 10.84% | 10.84% | 12.03% | 7.32% | $493.3M |
| Q1 2026 | 10.83% | 10.83% | 12.01% | 7.57% | $505.8M |
| Q2 2026 | 10.95% | 10.95% | 12.13% | 7.58% | $515.3M |
The Genoa Banking Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Genoa Banking Company, 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 The Genoa Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2285) · FFIEC NIC profile (RSSD 504311)