Genoa Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Genoa Community Bank is an FDIC-insured commercial bank headquartered in Genoa, NE, established in 1903 (FDIC certificate 5408), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $70.5M, down 0.8% from Q2 2025, the 119th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 18.04% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5408
- Headquarters
- Genoa, NE
- Established
- 1903
- Total assets, Q2 2026
- $70.5M
- Assets vs Q2 2025
- -0.8%
- CET1 ratio, Q2 2026
- 18.04%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104901940
- Asset rank in state
- 119th of 138 in Nebraska
Genoa Community Bank, based in Genoa, Nebraska, reported $70 million in assets at June 30, 2026. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also shrank its loan book 7.9% over the year, lower than about three-quarters of banks its size (median 2.6%).
Net income for the quarter rose 21% from a year earlier, to $304,000. Over the same year, loans shrank 7.9% and deposits shrank 0.4%. Funding is the softer spot: it pays an average of 2.12% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, Genoa Community Bank reported a CET1 capital ratio of 18.04%, a return on assets of 1.69%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Genoa Community Bank ranks as the 119th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets were flat, loans fell 4.7% and deposits fell 0.7%. Agricultural production loans made up 44.7% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 17.2%. Its one office in the FDIC Summary of Deposits is in Genoa, NE. Judged on its Q2 2026 call report, Genoa Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 502 Willard Ave, Genoa, NE 68640
- County
- Nance
- Metro Area
- Columbus, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1903
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $59.7M
- Allowance for credit losses
- $568K
- Net charge-offs (YTD)
- $0
- Average total assets
- $71.8M
- Average total loans
- $45.5M
- Average interest-bearing deposits
- $52.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5408
- Fed RSSD
- 2750
- Website
- www.genoacb.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Genoa Community Bank's total assets ranged from $66.0M (Q2 2024) to $74.9M (Q4 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$70.5M total assets against $71.0M; $61.8M total liabilities against $63.1M.
$45.6M net loans and leases against $49.6M; $59.7M total deposits against $59.9M.
$18.4M securities against $14.2M; $1.6M cash and balances due against $2.4M.
$1.0M total interest income against $1.0M; $318K total interest expense against $354K.
$715K net interest income against $665K.
$84K total noninterest income against $66K; $488K total noninterest expense against $476K.
$26K provision for credit losses against $6K.
$304K net income against $251K.
1.69% return on assets against 1.44%; 4.45% net interest margin against 4.33%.
18.04% CET1 capital ratio against 15.56%; 12.92% tier 1 leverage ratio against 12.83%.
Inside the full Genoa Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.03% (Q1 2025) to 1.69% (Q2 2026) and its net interest margin ran from 4.01% (Q1 2025) to 4.57% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.04% | 1.69% | 0.00% | 0.00% | 4.45% |
| Q1 2026 | 16.27% | 1.32% | 0.00% | 0.00% | 4.43% |
| Q4 2025 | 15.11% | 1.43% | 0.00% | 0.00% | 4.53% |
| Q3 2025 | 16.33% | 1.46% | 0.00% | 0.00% | 4.57% |
| Q2 2025 | 15.56% | 1.44% | 0.00% | 0.02% | 4.33% |
| Q1 2025 | 16.52% | 1.03% | 0.00% | 0.00% | 4.01% |
| Q4 2024 | 15.16% | 1.24% | 0.00% | 0.00% | 4.08% |
| Q3 2024 | 15.95% | 1.36% | 0.00% | 0.00% | 4.18% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Genoa Community Bank (main office) | Genoa , NE | 68640 | $59.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- December 20, 2001, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The Genoa National Bank
- Period: Most recent institution action December 20, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NE, rank 132 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $83K approved, $83K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Genoa Community Bank
What are Genoa Community Bank's total assets?
As of the Q2 2026 filing, Genoa Community Bank reported total assets of $70.5 million in its FFIEC call report.
Where is Genoa Community Bank headquartered?
It is headquartered in Genoa, NE, United States.
When was Genoa Community Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Genoa Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5408). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Genoa Community Bank?
Genoa Community Bank's primary federal regulator is the FDIC.
What is Genoa Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Genoa Community Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Genoa Community Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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