| Metric | Genesee Regional Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +5.5% | -3.3 pts |
| Deposit growth (YoY) | +9.8% | +5.1% | +4.8 pts |
| Loan growth (YoY) | +0.3% | +5.9% | -5.6 pts |
| ROA | 1.54% | 1.26% | +0.3 pts |
| ROE | 16.7% | 12.2% | +4.5 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.31B | $1.08B | $897.7M | $125.0M | $10.1M | 1.54% | 3.19% | 0.44% |
| Q1 2026 | $1.31B | $1.06B | $899.6M | $120.3M | $4.3M | 1.30% | 3.11% | 0.47% |
| Q4 2025 | $1.31B | $1.05B | $919.8M | $116.5M | $15.2M | 1.19% | 3.02% | 0.51% |
| Q3 2025 | $1.32B | $1.00B | $932.8M | $112.4M | $10.7M | 1.12% | 2.97% | 0.46% |
| Q2 2025 | $1.28B | $979.6M | $894.5M | $105.3M | $7.2M | 1.15% | 2.89% | 0.49% |
| Q1 2025 | $1.25B | $968.2M | $886.9M | $101.0M | $3.0M | 0.95% | 2.86% | 0.04% |
| Q4 2024 | $1.24B | $980.4M | $922.4M | $96.2M | $9.6M | 0.81% | 2.55% | 0.08% |
| Q3 2024 | $1.23B | $935.5M | $888.0M | $98.3M | $6.4M | 0.72% | 2.47% | 0.05% |
Loan mix (Q2 2026): real estate $658.5M · commercial $210.9M · consumer $2.8M · securities $209.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Genesee Regional Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.26% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 12.2% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.7% | 59.0% | 30th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Genesee Regional Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Genesee Regional Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Genesee Regional Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Genesee Regional Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Genesee Regional Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+0 vs 2024) · $979.6M branch deposits. Biggest market: Monroe, NY, ranked 8th with 3.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monroe, NY | 3 | $979.6M | 3.76% | 8th |
New York: 98th with 0.04% · Rochester metro: 10th, 2.85% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3