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Genesee Regional Bank

Rochester, NY · Cert 26333 · Greater Rochester Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

19

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

72

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Genesee Regional Bank

Rochester, NY · Cert 26333 · Greater Rochester Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$1.3BAssets
$910.2MLoans
$1.1BDeposits
$125.0MEquity
Loan mix
75%RE $650.4M25%C&I $220.2M0%Consumer $2.3MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $868.2M19%Noninterest $207.5MQ2 2025Q2 2026

NIM

5.07%Q2 ’245.34%Q2 ’255.24%Q2 ’26+25%+12%

Non-interest income vs. expense

1.98%Q2 ’242.27%Q2 ’252.32%Q2 ’26-1%-9%

Market Position · Rochester, NY · 2026 SOD (annual) · 4.0% share · #9 of 19 inst. · $1.1B of $27.0B

Executive Summary

  • Earnings: ROA of 1.54%, up 39 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.59% of loans (-10 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.97%, up 89 bps from a year ago.
  • Funding: loans stand at 84.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.54%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+34 bps YoY

Efficiency Ratio (YTD, annualized)

52.71%-514 bps YoY

Tier 1 Leverage Ratio

10.97%+89 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.12%1.19%1.30%1.54%+39 bps
Return on Equity14.35%13.80%14.28%14.39%16.69%+235 bps
Net Interest Margin2.74%2.78%2.81%3.01%3.08%+34 bps
Efficiency Ratio57.84%55.36%56.19%54.08%52.71%-514 bps
Non-Interest Burden1.09%0.99%1.07%1.14%0.99%-10 bps
Growth
Asset Growth (YoY)8.64%7.24%5.83%4.77%2.13%-651 bps
Loan Growth (YoY)4.21%5.16%-0.09%1.59%0.44%-377 bps
Deposit Growth (YoY)8.19%7.33%6.92%9.10%9.81%+163 bps
Asset Quality
Nonperforming Loans / Loans0.70%0.65%0.72%0.63%0.59%-10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.05%+5 bps
Allowance / Loans1.30%1.29%1.35%1.42%1.38%+8 bps
Allowance Coverage of NPLs1.9x2.0x1.9x2.3x2.3x+0.5x
Capital
Tier 1 Leverage Ratio10.08%10.05%10.19%10.62%10.97%+89 bps
Total Risk-Based Capital10.08%10.05%10.19%10.62%10.97%+89 bps
Equity / Assets8.21%8.53%8.90%9.15%9.54%+133 bps
Liquidity & Funding
Loans / Deposits92.52%94.12%88.95%86.39%84.62%-790 bps
Liquid Assets / Assets8.24%8.80%8.79%9.64%9.11%+87 bps
CRE / Total Capitaln/a297%294%288%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Genesee Regional Bank

Rochester, NY · Cert 26333 · Peer group: banks $1B-$10B in assets (n=322-328) · Greater Rochester Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$1.3BAssets
$910.2MLoans
$1.1BDeposits
$125.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 86% of banks $1B-$10B in assets (rank 46 of 328).
  • Widest gap: total risk-based capital ratio trails 91% of banks $1B-$10B in assets (rank 300 of 328).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.54%

Rank 80 of 328

Net Interest Margin

3.08%

Rank 238 of 328

Efficiency Ratio

52.71%

Rank 92 of 328

Equity / Assets

9.54%

Rank 213 of 328

Non-interest income vs. expense

$17.0M$29.6MINCOMEEXPENSE
Unfavorable gap of $12.7M · efficiency ratio beats 72% of banks $1B-$10B in assets
Bank 52.71%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.54%0.91%1.22%1.52%Beats 76%80 / 328
Return on Equity16.11%8.43%11.45%14.43%Beats 86%46 / 328
Net Interest Margin3.08%3.03%3.45%3.83%Beats 27%238 / 328
Efficiency Ratio52.71%51.61%59.56%67.53%Beats 72%92 / 328
Asset Quality
Nonperforming Loans / Loans0.59%0.24%0.51%1.03%Beats 45%178 / 322
Net Charge-Offs / Loans0.03%0.01%0.03%0.10%Beats 55%147 / 322
Capital
Tier 1 Capital Ratio10.97%11.75%13.15%15.47%Beats 13%284 / 328
Total Risk-Based Capital Ratio10.97%12.63%14.15%16.46%Beats 9%300 / 328
Equity / Assets9.54%9.15%10.33%12.01%Beats 35%213 / 328
Liquidity & Funding
Loans / Deposits84.62%76.63%87.92%95.36%42nd pctl186 / 323
Loans / Assets69.50%65.18%74.15%79.98%35th pctl213 / 328
Brokered Deposits / Depositsn/aNot reported for this institution