BlastPoint's Banking Scorecard
Genesis Bank
Designations: ✓ CDFI-certified ✓ Minority Depository Institution
Newport Beach, CA
3 branches across CA
Genesis Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 1.0% in tier
- + Non-Interest-Bearing Deposit Share 17.48% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.6% in tier
- - Return on Assets 1.25% below tier average
- - Efficiency Ratio 34.50% above tier average
- - Net Interest Margin 0.34% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$405.5M
+67.9% YoY
-2.4% QoQ
|
+$19.4M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$261.3M
+91.6% YoY
-2.5% QoQ
|
+$5.6M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
61% |
| Total Deposits ? |
$356.6M
+87.5% YoY
-2.5% QoQ
|
+$28.6M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
0.02%
+100.4% YoY
-94.6% QoQ
|
-1.25% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 3.6% in tier |
| Net Interest Margin ? |
3.59%
+34.7% YoY
+16.5% QoQ
|
-0.34% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
99.79%
-56.0% YoY
+7.3% QoQ
|
+34.50% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate ? |
0.08%
-6.9% QoQ
|
-0.81% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
73.28%
+2.2% YoY
-0.1% QoQ
|
-3.36% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
39.50%
-3.7% YoY
-14.0% QoQ
|
+17.48% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 5.1% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-7.1% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
18.53%
-53.0% YoY
+2.9% QoQ
|
+2.70% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.05%
-17.4% YoY
-97.5% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
18% |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
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.