The Genoa Banking Company: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4352.01 percentage points higher than in Q1 2026, at 9246.03%. The Genoa Banking Company ranks 92nd of 156 Ohio banks on return on assets, in the lower half at 0.93% (Q2 2026). The Genoa Banking Company reported 0.93% on return on assets for Q2 2026, 0.32 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.95% |
| Tier 1 risk-based capital ratio | 10.95% |
| Total risk-based capital ratio | 12.13% |
| Tier 1 leverage ratio | 7.58% |
| Equity capital to assets | 7.33% |
| Tangible equity to tangible assets | 7.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 0.10% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 9246.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.93% |
| Return on equity | 12.83% |
| Net interest margin | 3.97% |
| Efficiency ratio | 69.73% |
| Yield on earning assets | 5.96% |
| Cost of funds | 2.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.76% |
| Core deposits to total deposits | 84.12% |
| Brokered deposits to total deposits | 8.14% |
| Deposits to assets | 88.88% |
| Securities to assets | 17.35% |
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 | 11.05% | 11.05% | 12.22% | 7.96% | 0.44% |
| Q4 2023 | 10.87% | 10.87% | 12.02% | 7.76% | 0.41% |
| Q1 2024 | 10.81% | 10.81% | 11.95% | 7.59% | 0.36% |
| Q2 2024 | 10.49% | 10.49% | 11.61% | 7.29% | 0.43% |
| Q3 2024 | 10.57% | 10.57% | 11.69% | 7.13% | 0.54% |
| Q4 2024 | 10.76% | 10.76% | 11.92% | 7.10% | 0.51% |
| Q1 2025 | 10.69% | 10.69% | 11.86% | 7.19% | 0.51% |
| Q2 2025 | 10.65% | 10.65% | 11.80% | 7.14% | 0.76% |
| Q3 2025 | 10.64% | 10.64% | 11.80% | 7.20% | 0.73% |
| Q4 2025 | 10.84% | 10.84% | 12.03% | 7.32% | 0.91% |
| Q1 2026 | 10.83% | 10.83% | 12.01% | 7.57% | 0.75% |
| Q2 2026 | 10.95% | 10.95% | 12.13% | 7.58% | 0.93% |
The Genoa Banking Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Genoa Banking Company, 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 The Genoa Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2285) · FFIEC NIC profile (RSSD 504311)