Genubank
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Data as of · sourced from FFIEC call reports. How we update
Genubank is an FDIC-insured commercial bank headquartered in Las Vegas, NV, established in 2008 (FDIC certificate 58806), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $253.2M, up 23.2% from Q2 2025, the 10th largest of 14 banks headquartered in Nevada. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.93% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58806
- Headquarters
- Las Vegas, NV
- Established
- 2008
- Total assets, Q2 2026
- $253.2M
- Assets vs Q2 2025
- +23.2%
- Tier 1 leverage ratio, Q2 2026
- 15.93%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 122402405
- Latest call report
- Q2 2026, FFIEC 051 · Genubank call report
- Holding company
- JBNV HOLDING CORP
- Asset rank in state
- 10th of 14 in Nevada
Problem loans are rising at Genubank. Based in Las Vegas, Nevada, it had $253 million in assets at June 30, 2026, up 23.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.68% of loans from 0.00% a year earlier. It earns about $0.20 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 94 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $117,000 was 87% below a year earlier. Over the same year, loans shrank 2.1% and deposits grew 29.5%. One more trend to watch: the commercial and industrial book ($66 million) is worsening: 2.63% of it is past due or on nonaccrual, up from 0.95% a year earlier.
As of June 30, 2026, Genubank reported a return on assets of 0.20%, a nonperforming-loan ratio of 0.68% and a Texas ratio of 2.75%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Genubank is the 10th largest of the 14 banks headquartered in Nevada. From Q1 2026 to Q2 2026, its total assets rose 4.8% to $253.2M, loans fell 4.8% and deposits rose 6.6%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 43.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 29.0%. Its 3 offices in the FDIC Summary of Deposits are in Las Vegas, NV. Judged on its Q2 2026 call report, Genubank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 8488 Rozita Lee Ave, Las Vegas, NV 89113
- County
- Clark
- Metro Area
- Las Vegas-Henderson-North Las Vegas, NV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 2, 2008
- Former names
- Kirkwood Bank of Nevada (2014-2020)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $204.7M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $236.7M
- Average total loans
- $155.4M
- Average interest-bearing deposits
- $138.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 2, 2008
- FDIC Cert
- 58806
- Fed RSSD
- 3720336
- Website
- www.genubank.com →
- Parent Holding Company
- JBNV HOLDING CORP (RSSD 5306583)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Genubank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Genubank's total assets ran between $164.8M (Q1 2024) and $253.2M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$253.2M total assets against $205.6M; $210.0M total liabilities against $163.3M.
$151.4M net loans and leases against $154.7M; $204.7M total deposits against $158.0M.
$9.9M securities against $6.9M; $77.2M cash and balances due against $29.0M.
$2.9M total interest income against $2.8M; $868K total interest expense against $932K.
$2.0M net interest income against $1.8M.
$189K total noninterest income against $1.2M; $2.1M total noninterest expense against $1.9M.
-$11K provision for credit losses against $160K.
$117K net income against $886K.
0.20% return on assets against 1.75%; 3.70% net interest margin against 3.87%.
15.93% tier 1 leverage ratio against 18.20%.
Inside the full Genubank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGenubank rankings
Its closest position to the top of a national ranking is 1,939 of 3,640, for Texas Ratio; its furthest is 3,521 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.20% (Q2 2026) to 1.96% (Q4 2024) and its net interest margin ran from 3.70% (Q2 2026) to 4.27% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.93% | 0.20% | 0.68% | 2.75% | 3.70% |
| Q1 2026 | 16.22% | 0.59% | 0.31% | 0.00% | 3.75% |
| Q4 2025 | 16.68% | 1.37% | 0.26% | 0.00% | 4.05% |
| Q3 2025 | 17.20% | 1.27% | 0.31% | 0.00% | 3.80% |
| Q2 2025 | 18.20% | 1.75% | 0.07% | 0.00% | 3.87% |
| Q1 2025 | 18.34% | 1.62% | 0.24% | 0.94% | 3.78% |
| Q4 2024 | 19.83% | 1.96% | 0.23% | 0.89% | 4.27% |
| Q3 2024 | 19.31% | 1.27% | 0.00% | 0.00% | 4.02% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → 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 |
|---|---|---|---|
| 8531 W. Lake Mead Blvd | Las Vegas , NV | 89128 | $121.0M |
| Uncommons Branch | Las Vegas , NV | 89113 | $83.6M |
| Genubank (main office) | Las Vegas , NV | 89113 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NV, rank 28 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $180K approved, $180K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Genubank
What are Genubank's total assets?
As of the Q2 2026 filing, Genubank reported total assets of $253.2 million in its FFIEC call report.
Where is Genubank headquartered?
It is headquartered in Las Vegas, NV, United States.
When was Genubank founded?
It was established in 2008, per the FDIC institution directory.
Is Genubank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58806). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Genubank?
Genubank's primary federal regulator is the FDIC.
How many branches does Genubank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Genubank's Texas Ratio?
Its Texas Ratio is 2.75% 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.
What was Genubank previously called?
The charter now named Genubank has also operated as Kirkwood Bank of Nevada (2014-2020), per FDIC structure-change records.
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