Genubank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 8.90 percentage points in Q2 2026, from 83.43% to 74.52%. It was the largest change from Q1 2026 among the key lines here. Genubank ranks 8th of 14 Nevada banks on loan-to-deposit ratio, in the lower half at 74.52% (Q2 2026). Genubank reported 74.52% on loan-to-deposit ratio for Q2 2026, 6.03 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $152.5M |
| Net loans and leases | $151.4M |
| Loans held for sale | $0 |
| Loans to total assets | 60.23% |
| Loan-to-deposit ratio | 74.52% |
| Net loans to equity capital | 3.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.72% |
| Multifamily (5+ residential) | 1.28% |
| Commercial and industrial | 43.43% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 125.00% |
| Construction concentration (Tier 1 capital + allowance) | 2.74% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.96% |
| Interest income on loans | $2.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $82.6M | $131.6M | 66.47% | 21.68% | 0.00% |
| Q4 2023 | $87.2M | $128.1M | 62.85% | 25.16% | 0.00% |
| Q1 2024 | $94.0M | $120.4M | 55.92% | 33.92% | 0.00% |
| Q2 2024 | $105.3M | $120.7M | 53.66% | 39.64% | 0.00% |
| Q3 2024 | $115.6M | $132.7M | 53.78% | 41.35% | 0.00% |
| Q4 2024 | $132.0M | $157.9M | 47.19% | 48.36% | 0.00% |
| Q1 2025 | $139.2M | $154.1M | 48.73% | 45.70% | 0.00% |
| Q2 2025 | $155.9M | $158.0M | 48.92% | 43.55% | 0.00% |
| Q3 2025 | $162.2M | $186.8M | 51.56% | 42.14% | 0.00% |
| Q4 2025 | $164.6M | $172.1M | 50.35% | 42.93% | 0.00% |
| Q1 2026 | $160.2M | $192.0M | 52.87% | 43.29% | 0.00% |
| Q2 2026 | $152.5M | $204.7M | 53.72% | 43.43% | 0.00% |
Genubank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Genubank, freeSource: Call Report Schedule RC-C, 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 Genubank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58806) · FFIEC NIC profile (RSSD 3720336)