BlastPoint's Banking Scorecard
GenuBank
Las Vegas, NV
3 branches across NV
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 8 in NV.
- Deposits +29.5% year over year ($204.7M on the books).
- Delinquency rate 0.68%.
- Return on assets 0.39%.
- Efficiency ratio 92.63% vs a 64.48% peer average.
- Loan-to-deposit ratio 73.97% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
GenuBank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 12.97% above tier average
- + Delinquency Rate 0.23% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 11.9% in tier
- - Return on Assets 0.93% below tier average
- - Net Interest Margin 0.25% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$253.2M
+23.2% YoY
+4.8% QoQ
|
-$133.3M |
$386.6M
+1.2% YoY
|
$3.1B
+2.3% YoY
|
$6.3B
+7.7% YoY
|
37% |
| Total Loans ? |
$151.4M
-2.1% YoY
-4.8% QoQ
|
-$106.9M |
$258.3M
+1.7% YoY
|
$1.6B
+20.6% YoY
|
$3.2B
+9.4% YoY
|
36% |
| Total Deposits ? |
$204.7M
+29.5% YoY
+6.6% QoQ
|
-$122.1M |
$326.7M
+0.7% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
0.39%
-76.3% YoY
-35.3% QoQ
|
-0.93% |
1.32%
+10.8% YoY
|
3.59%
+7.1% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.6% in tier |
| Net Interest Margin ? |
3.73%
-3.0% YoY
-4.3% QoQ
|
-0.25% |
3.99%
+5.0% YoY
|
5.65%
+11.1% YoY
|
3.95%
+4.9% YoY
|
38% |
| Efficiency Ratio ? |
92.63%
+37.7% YoY
+1.5% QoQ
|
+28.15% |
64.48%
-3.2% YoY
|
55.66%
-2.7% YoY
|
70.05%
+2.5% YoY
|
Bottom 4.2% in tier |
| Delinquency Rate ? |
0.68%
+878.9% YoY
+121.8% QoQ
|
-0.23% |
0.92%
+15.7% YoY
|
1.02%
-35.3% YoY
|
0.98%
+16.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
73.97%
-24.4% YoY
-10.7% QoQ
|
-3.98% |
77.95%
+1.0% YoY
|
86.66%
+13.2% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
35.00%
+29.9% YoY
+29.8% QoQ
|
+12.97% |
22.03%
-0.6% YoY
|
21.87%
-6.7% YoY
|
21.98%
-0.6% YoY
|
Top 9.8% in tier |
| Nonperforming Asset Ratio ? |
0.41%
+678.1% YoY
+101.6% QoQ
|
-0.26% |
0.67%
+16.4% YoY
|
0.74%
+3.7% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
15.93%
-12.5% YoY
-1.8% QoQ
|
+0.02% |
15.91%
+1.4% YoY
|
23.41%
+6.1% YoY
|
17.09%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.21%
-81.2% YoY
+46.3% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
2.78%
+2.3% YoY
|
0.66%
+5.2% YoY
|
55% |
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 (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
35.0%
+8.1pp YoY +8.0pp QoQ |
+12.9pp | 22.1% | 25.5% | 22.2% | 90% |
| Brokered Deposits | n/a | n/a | 7.9% | 31.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
43.8%
-0.1pp YoY +0.2pp QoQ |
+32.2pp | 11.6% | 22.5% | 12.5% | 99% |
| CRE |
56.1%
+2.2pp YoY +0.8pp QoQ |
+16.5pp | 39.5% | 68.4% | 41.4% | 80% |
| 1-4 Family |
0.9%
-2.1pp YoY -0.9pp QoQ |
-31.7pp | 32.6% | 12.7% | 31.3% | 1% |
| Consumer | n/a | n/a | 4.1% | 31.5% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 29.4% | 19.7% | n/a |
| Leverage Ratio |
15.9%
-2.3pp YoY -0.3pp QoQ |
+3.8pp | 12.2% | 16.3% | 12.6% | 90% |
| Total Capital Ratio | n/a | n/a | 19.9% | 30.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
29
-1 (-3.3%) YoY +2 (+7.4%) QoQ |
-30 | 58 | 177 | 482 | 25% |
| Assets per Employee ($) |
$8.7M
+27.4% YoY -2.4% QoQ |
+$1.2M | $7.5M | $17.0M | $8.8M | 77% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 2 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual | 0.7% | -0.3pp | 0.9% | 1.0% | 1.0% | 62% |
| Allowance Coverage |
1.09x
-90.2% YoY -53.3% QoQ |
-23.07x | 24.15x | 4.66x | 20.23x | 29% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 1.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.1%
-6.0pp YoY -1.1pp QoQ |
-10.1pp | 12.2% | 17.9% | 11.6% | 6% |
| Cost of Funds (YTD) |
1.6%
-0.4pp YoY -0.1pp QoQ |
-0.1pp | 1.7% | 2.0% | 1.7% | 42% |
| Net Income ($, YTD) |
$467,000
-72.2% YoY — QoQ |
-$2.1M | $2.6M | $65.7M | $40.4M | 10% |
Get Full Access to GenuBank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.