Genesis Bank
Total assets
$340.3M
▼ -29.3% YoY
Deposits
$292.4M
▼ -31.9% YoY
Loans
$257.6M
▼ -13.5% YoY
Offices
2
ROA (annualized)
-0.24%
peers 1.24%
ROE (annualized)
-2.13%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Genesis Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -29.3% | +4.4% | -33.6 pts |
| Deposit growth (YoY) | -31.9% | +4.0% | -35.9 pts |
| Loan growth (YoY) | -13.5% | +5.6% | -19.1 pts |
| ROA | -0.24% | 1.24% | -1.5 pts |
| ROE | -2.1% | 11.9% | -14.0 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
Profile
- Established
- 2021
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 4675 Macarthur Ct, Newport Beach, CA, 92660
- County
- Orange
- Metro area
- Los Angeles-Long Beach-Anaheim, CA
- Offices
- 2
- FDIC cert #
- 59245
- RSSD ID
- 5620869
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $340.3M | $292.4M | $257.6M | $43.3M | $-466K | -0.24% | 3.60% | 0.03% |
| Q1 2026 | $405.5M | $356.6M | $261.3M | $43.8M | $16K | 0.02% | 3.59% | 0.05% |
| Q4 2025 | $415.3M | $365.6M | $268.1M | $43.9M | $1.0M | 0.29% | 3.08% | 0.05% |
| Q3 2025 | $418.7M | $368.8M | $294.3M | $43.1M | $148K | 0.06% | 2.75% | 0.10% |
| Q2 2025 | $481.2M | $429.6M | $297.9M | $43.7M | $757K | 0.50% | 2.22% | 0.12% |
| Q1 2025 | $241.6M | $190.2M | $136.4M | $41.0M | $-1.9M | -3.57% | 2.67% | 0.00% |
| Q4 2024 | $184.9M | $131.1M | $136.7M | $42.9M | $-6.4M | -3.30% | 3.26% | 0.00% |
| Q3 2024 | $197.3M | $141.7M | $140.2M | $44.5M | $-4.8M | -3.27% | 3.25% | 0.00% |
Loan mix (Q2 2026): real estate $248.3M · commercial $12.5M · consumer $0 · securities $0
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Genesis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.24% | 1.24% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -2.1% | 11.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.96% | 32th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.3% | 62.9% | 98th | |
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% |
Balance sheet
| Ratio | Genesis 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% |
Capital
| Ratio | Genesis 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% |
Credit quality
| Ratio | Genesis 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% |
Franchise
| Ratio | Genesis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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