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Genesis Bank

$100M-$1B Specialty: Commercial CA FDIC cert 59245

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

Newport Beach, CA

2 branches across CA

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 53 in CA.
  • Deposits -31.9% year over year ($292.4M on the books).
  • Delinquency rate 0.05%.
  • Return on assets -0.24%.
  • Efficiency ratio 107.35% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.09% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

Genesis Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 16.95% above tier average
  • + Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 12.7% in tier
  • - Liquidity Overhang: Bottom 34.8% in tier
  • - Capital Constraint: Bottom 35.5% in tier
  • - Return on Assets 1.56% below tier average
  • - Net Interest Margin 0.38% below tier average
Get updates when Genesis Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $340.3M
-29.3% YoY -16.1% QoQ
-$46.3M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $257.6M
-13.5% YoY -1.4% QoQ
-$740K $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $292.4M
-31.9% YoY -18.0% QoQ
-$34.3M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? -0.24%
-148.1% YoY
-1.56% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Bottom 2.5% in tier
Net Interest Margin ? 3.60%
+62.5% YoY +0.3% QoQ
-0.38% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
33%
Efficiency Ratio ? 107.35%
+24.1% YoY +7.6% QoQ
+42.87% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Bottom 1.7% in tier
Delinquency Rate ? 0.05%
-76.3% YoY -39.4% QoQ
-0.87% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
80%
Loan-to-Deposit Ratio ? 88.09%
+27.1% YoY +20.2% QoQ
+10.14% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
31%
Non-Interest-Bearing Deposit Share ? 38.98%
+61.7% YoY -1.3% QoQ
+16.95% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Top 5.7% in tier
Nonperforming Asset Ratio ? 0.03%
-71.1% YoY -28.9% QoQ
-0.63% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
81%
Tier 1 Capital Ratio ? 18.12%
+13.6% YoY -2.2% QoQ
+2.21% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
81%
Non-Interest Income / Assets ? 0.17%
-88.4% YoY +255.7% QoQ
-0.40% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
41%

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 (CA) National Avg Tier Percentile
Noninterest-Bearing 39.0%
+14.9pp YoY
-0.5pp QoQ
 +16.8pp 22.1% 25.5% 22.2% 94%
Brokered Deposits 3.7%
-24.3pp YoY
-1.4pp QoQ
 -4.2pp 7.9% 11.0% 8.5% 43%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 4.9%
+1.8pp YoY
+0.2pp QoQ
 -6.7pp 11.6% 11.8% 12.5% 19%
CRE n/a n/a 39.5% 67.5% 41.4% n/a
1-4 Family 4.8%
-1.2pp YoY
-0.6pp QoQ
 -27.9pp 32.6% 16.5% 31.3% 4%
Consumer n/a n/a 4.1% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 15.5%
+1.8pp YoY
-0.4pp QoQ
 -3.3pp 18.8% 23.7% 19.7% 54%
Leverage Ratio 11.0%
-4.3pp YoY
+0.2pp QoQ
 -1.2pp 12.2% 14.5% 12.6% 51%
Total Capital Ratio 19.4%
+2.2pp YoY
-0.4pp QoQ
 -0.6pp 19.9% 25.1% 20.8% 71%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 50
-8 (-13.8%) YoY
-2 (-3.8%) QoQ
 -9 58 337 482 53%
Assets per Employee ($) $6.8M
-18.0% YoY
-12.7% QoQ
 -$713K $7.5M $11.3M $8.8M 49%
Branch Count 3
0 YoY
0 QoQ
 -2 4 15 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.4% 1.0% 11%
Allowance Coverage 27.47x
+304.3% YoY
+61.5% QoQ
 +3.32x 24.15x 17.11x 20.23x 91%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE -2.1%
-5.7pp YoY
-2.3pp QoQ
 -14.3pp 12.2% 8.2% 11.6% 3%
Cost of Funds (YTD) 1.3%
+0.1pp YoY
+0.1pp QoQ
 -0.4pp 1.7% 1.9% 1.7% 25%
Net Income ($, YTD) $-466000.0
-161.6% YoY
— QoQ
 -$3.0M $2.6M $28.5M $40.4M 2%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Efficiency Drag

risk
#47 of 361 • Bottom 12.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 107.35%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#259 of 742 • Bottom 34.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.12%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 88.09%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Capital Constraint

risk
#39 of 107 • Bottom 35.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 88.09%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 18.12%
(Tier: 15.91%, National: 17.09%)
better than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

151
Non-Interest-Bearing Deposit Share
funding
Value: 38.98%
Peer Median: 22.03%
#151 of 2643 Top 5.7% in $100M-$1B
492
Tier 1 Capital Ratio
capital
Value: 18.12%
Peer Median: 15.91%
#492 of 2643 Top 18.6% in $100M-$1B
502
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#502 of 2643 Top 19.0% in $100M-$1B
528
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#528 of 2633 Top 20.0% in $100M-$1B

Top Weaknesses (2 metrics)

2598
Efficiency Ratio
profitability
Value: 107.35%
Peer Median: 64.48%
#2598 of 2643 Bottom 1.7% in $100M-$1B
2577
Return on Assets
profitability
Value: -0.24%
Peer Median: 1.32%
#2577 of 2643 Bottom 2.5% in $100M-$1B
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