BlastPoint's Banking Scorecard
Genesee Regional Bank
Designations: ✓ Community bank
Rochester, NY
3 branches across NY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
- Deposits +9.8% year over year ($1.1B on the books).
- Delinquency rate 0.60%.
- Return on assets 1.54%.
- Efficiency ratio 52.71% vs a 59.73% peer average.
- Loan-to-deposit ratio 83.45% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Genesee Regional Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 43.7% in tier
- + ROA 0.14% above tier average
- + Efficiency Ratio 7.02% below tier average
- + Delinquency Rate 0.27% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 23.4% in tier
- - Net Interest Margin 0.69% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+2.1% YoY
-0.4% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
23% |
| Total Loans ? |
$897.7M
+0.4% YoY
-0.2% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
24% |
| Total Deposits ? |
$1.1B
+9.8% YoY
+1.8% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
21% |
| Return on Assets ? |
1.54%
+33.5% YoY
+18.2% QoQ
|
+0.14% |
1.39%
+17.0% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
71% |
| Net Interest Margin ? |
3.19%
+10.1% YoY
+2.5% QoQ
|
-0.69% |
3.87%
+6.2% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
52.71%
-8.9% YoY
-2.5% QoQ
|
-7.02% |
59.73%
-12.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
70% |
| Delinquency Rate ? |
0.60%
-14.8% YoY
-5.4% QoQ
|
-0.27% |
0.87%
+11.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
83.45%
-8.6% YoY
-2.0% QoQ
|
-1.59% |
85.04%
-0.1% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
19.29%
+2.2% YoY
+14.3% QoQ
|
-1.98% |
21.27%
-1.5% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.44%
-10.1% YoY
-4.9% QoQ
|
-0.23% |
0.67%
+11.7% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
10.97%
+8.8% YoY
+3.3% QoQ
|
-3.88% |
14.84%
-0.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.65%
+13.4% YoY
+153.6% QoQ
|
+0.12% |
0.53%
+2.5% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
Top 12.0% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.3%
+0.4pp YoY +2.4pp QoQ |
-2.1pp | 21.4% | 22.1% | 22.2% | 46% |
| Brokered Deposits |
9.3%
-1.0pp YoY -0.3pp QoQ |
-0.1pp | 9.5% | 8.0% | 8.5% | 67% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
23.5%
-3.1pp YoY -1.0pp QoQ |
+9.5pp | 14.0% | 11.0% | 12.5% | 86% |
| CRE |
43.4%
+2.9pp YoY +0.2pp QoQ |
-6.6pp | 50.0% | 46.2% | 41.4% | 31% |
| 1-4 Family |
29.9%
-0.6pp YoY +0.9pp QoQ |
+3.5pp | 26.4% | 36.6% | 31.3% | 65% |
| Consumer |
0.3%
0.0pp YoY +0.1pp QoQ |
-4.4pp | 4.7% | 5.1% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 26.1% | 19.7% | n/a |
| Leverage Ratio |
11.0%
+0.9pp YoY +0.3pp QoQ |
-0.3pp | 11.3% | 13.9% | 12.6% | 60% |
| Total Capital Ratio | n/a | n/a | 16.7% | 27.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
173
+12 (+7.5%) YoY +1 (+0.6%) QoQ |
-141 | 313 | 914 | 482 | 32% |
| Assets per Employee ($) |
$7.6M
-5.0% YoY -0.9% QoQ |
-$2.9M | $10.5M | $14.8M | $8.8M | 32% |
| Branch Count |
3
0 YoY 0 QoQ |
-17 | 20 | 27 | 18 | 8% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.6%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.8% | 1.3% | 1.0% | 57% |
| Allowance Coverage |
2.33x
+25.1% YoY +2.8% QoQ |
-16.38x | 18.71x | 1.92x | 20.23x | 55% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY |
-0.2pp | 0.3% | 0.1% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.7%
+2.3pp YoY +2.3pp QoQ |
+4.1pp | 12.6% | 7.9% | 11.6% | 81% |
| Cost of Funds (YTD) |
2.2%
-0.5pp YoY -0.1pp QoQ |
+0.3pp | 1.9% | 1.8% | 1.7% | 74% |
| Net Income ($, YTD) |
$10.1M
+39.2% YoY — QoQ |
-$9.2M | $19.2M | $111.2M | $40.4M | 40% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.