BlastPoint's Banking Scorecard
GenuBank
Las Vegas, NV
3 branches across NV
GenuBank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.58% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 6.3% in tier
- - Credit Quality Pressure: Bottom 20.7% in tier
- - ROA 0.66% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$241.7M
+20.1% YoY
+9.3% QoQ
|
-$144.4M |
$386.1M
+0.5% YoY
|
$3.1B
+7.5% YoY
|
$6.2B
+9.1% YoY
|
35% |
| Total Loans ? |
$159.0M
+15.1% YoY
-2.6% QoQ
|
-$96.7M |
$255.7M
+1.1% YoY
|
$1.6B
+22.3% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$192.0M
+24.6% YoY
+11.5% QoQ
|
-$136.0M |
$328.0M
+0.1% YoY
|
$2.1B
+0.1% YoY
|
$4.8B
+8.2% YoY
|
32% |
| Return on Assets ? |
0.61%
-61.4% YoY
-59.1% QoQ
|
-0.66% |
1.27%
+12.9% YoY
|
3.24%
-3.8% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
3.90%
+2.6% YoY
-0.7% QoQ
|
-0.03% |
3.93%
+6.0% YoY
|
5.24%
+3.6% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
91.24%
+29.5% YoY
+31.2% QoQ
|
+25.96% |
65.29%
-4.5% YoY
|
57.12%
-16.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.7% in tier |
| Delinquency Rate ? |
0.31%
+27.8% YoY
+15.4% QoQ
|
-0.58% |
0.89%
+18.8% YoY
|
1.11%
-32.2% YoY
|
0.95%
+18.8% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
82.83%
-7.6% YoY
-12.7% QoQ
|
+6.20% |
76.64%
+0.8% YoY
|
80.72%
+7.8% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
26.97%
-15.0% YoY
+9.3% QoQ
|
+4.95% |
22.02%
-1.0% YoY
|
22.43%
-7.9% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.20%
+22.5% YoY
+2.8% QoQ
|
-0.44% |
0.64%
+19.7% YoY
|
0.75%
-3.5% YoY
|
0.67%
+19.3% YoY
|
59% |
| Tier 1 Capital Ratio ? |
16.22%
-11.5% YoY
-2.7% QoQ
|
+0.39% |
15.83%
+1.5% YoY
|
22.57%
+2.5% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.15%
-75.3% YoY
-91.9% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
1.43%
+2.0% YoY
|
0.32%
+4.1% YoY
|
72% |
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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 (0)
Concerns (2)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.