Bank Safety Analysis
Is Genoa Community Bank Safe? Genoa, Nebraska
Based on its Q3 2026 call report, Genoa Community Bank meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Genoa Community Bank safe?
On its Q3 2026 call report, Genoa Community Bank's CET1 ratio is 17.26%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 17.26%
- Tier 1 leverage ratio (Q3 2026): 12.95%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): 0.00%
Genoa Community Bank is an FDIC-insured commercial bank (FDIC Certificate #5408). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Genoa Community Bank (FDIC Certificate #5408) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Genoa Community Bank passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
CET1 ratio fell 0.77 percentage points from Q2 2026 to Q3 2026, ending at 17.26% against 18.04%. It was the largest change among the key lines on this page. Within Nebraska, Genoa Community Bank is 15th of 58 on CET1 ratio, 17.26% as of Q3 2026. The median for banks in the < $100M asset tier is 19.96% on CET1 ratio. Genoa Community Bank sits 2.70 points lower, at 17.26% (Q3 2026).
From Q4 2023 to Q3 2026, Genoa Community Bank's CET1 ratio ranged between 13.88% (Q4 2023) and 18.04% (Q2 2026) and its Texas ratio ranged between 0.00% (Q3 2026) and 0.02% (Q2 2025). Between Q3 2025 and Q3 2026, Genoa Community Bank's CET1 ratio rose from 16.33% to 17.26%, nonperforming loan ratio (nonaccrual plus 90+ days past due) held at 0.00%, Texas ratio held at 0.00% and return on assets rose from 1.46% to 1.58%.
By total assets at Q3 2026, Genoa Community Bank is the 117th largest of the 138 banks headquartered in Nebraska. Agricultural production loans are its largest loan category, $23.3M of $49.3M in total loans on its September 30, 2026 call report. Against the 567 banks with under $100M in assets for Q3 2026, Genoa Community Bank's CET1 ratio of 17.26% is below the 19.96% median, Tier 1 leverage ratio of 12.95% is above the 12.88% median, nonperforming loans ratio of 0.00% is below the 0.36% median, Texas ratio of 0.00% is below the 1.89% median, and efficiency ratio of 60.83% is below the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Genoa Community Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Genoa Community Bank score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 19.96%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does Genoa Community Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 17.26% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 83.34% | Within range |
| Commercial real estate to capital supervisory threshold | 54.09% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 17.26% |
| Q2 2026 | 18.04% |
| Q1 2026 | 16.27% |
| Q4 2025 | 15.11% |
| Q3 2025 | 16.33% |
| Q2 2025 | 15.56% |
| Q1 2025 | 16.52% |
| Q4 2024 | 15.16% |
| Q3 2024 | 15.95% |
| Q2 2024 | 16.03% |
| Q1 2024 | 15.72% |
| Q4 2023 | 13.88% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.00% |
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.02% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
Loans by type, Q3 2026
- Agricultural production loans: $23.3M
- Commercial and industrial loans: $8.3M
- Multifamily loans: $4.0M
- 1-4 family residential loans: $2.0M
- All other loans: $1.7M
- Owner-occupied commercial real estate loans: $1.1M
- Construction and land development loans: $723K
- Non-owner-occupied commercial real estate loans: $695K
How have Genoa Community Bank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $73.3M | 17.26% | 12.95% | 0.00% | 0.00% | 60.83% |
| Jun 30, 2026 | $70.5M | 18.04% | 12.92% | 0.00% | 0.00% | 60.00% |
| Mar 31, 2026 | $70.5M | 16.27% | 13.02% | 0.00% | 0.00% | 65.45% |
| Dec 31, 2025 | $70.6M | 15.11% | 12.76% | 0.00% | 0.00% | 64.88% |
| Sep 30, 2025 | $67.9M | 16.33% | 12.89% | 0.00% | 0.00% | 63.09% |
| Jun 30, 2025 | $71.0M | 15.56% | 12.83% | 0.00% | 0.02% | 63.86% |
| Mar 31, 2025 | $68.1M | 16.52% | 12.41% | 0.00% | 0.00% | 70.45% |
| Dec 31, 2024 | $70.7M | 15.16% | 12.51% | 0.00% | 0.00% | 66.61% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Genoa Community Bank FDIC insured?
Yes. Genoa Community Bank is an FDIC-insured commercial bank (FDIC Certificate #5408). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Genoa Community Bank well capitalized?
On its Q3 2026 call report, Genoa Community Bank's CET1 ratio is 17.26%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Genoa Community Bank's key safety ratios?
For Q3 2026, Genoa Community Bank reports CET1 17.26%, leverage 12.95%, Texas ratio 0.00%, noncurrent loans 0.00%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if Genoa Community Bank fails?
For Q3 2026, Genoa Community Bank reported $59.1M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Genoa Community Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio Genoa Community Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 5408) · FFIEC NIC profile (RSSD 2750)
Explore: Full Genoa Community Bank profile · Other banks in NE · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.