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
Unfavorable gap of $12.7M · efficiency ratio beats 72% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.54% | 0.91% | 1.22% | 1.52% | Beats 76% | 80 / 328 | |
| Return on Equity | 16.11% | 8.43% | 11.45% | 14.43% | Beats 86% | 46 / 328 | |
| Net Interest Margin | 3.08% | 3.03% | 3.45% | 3.83% | Beats 27% | 238 / 328 | |
| Efficiency Ratio | 52.71% | 51.61% | 59.56% | 67.53% | Beats 72% | 92 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.24% | 0.51% | 1.03% | Beats 45% | 178 / 322 | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 55% | 147 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 10.97% | 11.75% | 13.15% | 15.47% | Beats 13% | 284 / 328 | |
| Total Risk-Based Capital Ratio | 10.97% | 12.63% | 14.15% | 16.46% | Beats 9% | 300 / 328 | |
| Equity / Assets | 9.54% | 9.15% | 10.33% | 12.01% | Beats 35% | 213 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 84.62% | 76.63% | 87.92% | 95.36% | 42nd pctl | 186 / 323 | |
| Loans / Assets | 69.50% | 65.18% | 74.15% | 79.98% | 35th pctl | 213 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |