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Genubank

Las Vegas, NV · Cert 58806 · JBNV Holding Corp.

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 under $1B 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 under $1B in assets (n=581 to 629). 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

69

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

10

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

Genubank

Las Vegas, NV · Cert 58806 · JBNV Holding Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$253.2MAssets
$152.5MLoans
$204.7MDeposits
$43.3MEquity
Loan mix
57%RE $90.8M43%C&I $69.3M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $133.0M35%Noninterest $71.6MQ2 2025Q2 2026

NIM

5.20%Q2 ’245.32%Q2 ’254.98%Q2 ’26-2%-2%

Non-interest income vs. expense

4.96%Q2 ’243.99%Q2 ’253.70%Q2 ’26-53%+95%

Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 0.2% share · #24 of 41 inst. · $0.2B of $95.0B

Executive Summary

  • Earnings: ROA of 0.31%, down 99 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.68% of loans (+61 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.93%, down 228 bps from a year ago.
  • Funding: loans stand at 74.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.31%-99 bps YoY

Net Interest Margin (YTD, annualized)

3.60%-7 bps YoY

Efficiency Ratio (YTD, annualized)

92.63%+2,538 bps YoY

Tier 1 Leverage Ratio

15.93%-228 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.17%1.17%0.48%0.31%-99 bps
Return on Equity6.38%5.94%5.90%2.50%1.68%-470 bps
Net Interest Margin3.66%3.49%3.46%3.61%3.60%-7 bps
Efficiency Ratio67.25%69.25%69.53%91.24%92.63%+2,538 bps
Non-Interest Burden1.67%1.78%1.84%3.19%3.24%+158 bps
Growth
Asset Growth (YoY)24.26%31.94%8.36%20.11%23.16%-109 bps
Loan Growth (YoY)47.94%40.33%24.70%15.05%-2.13%-5,008 bps
Deposit Growth (YoY)30.90%40.76%9.04%24.59%29.52%-138 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.31%0.26%0.31%0.68%+61 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.77%0.76%0.79%0.71%0.74%-3 bps
Allowance Coverage of NPLs11.1x2.5x3.0x2.3x1.1x-10.0x
Capital
Tier 1 Leverage Ratio18.20%17.20%16.68%16.22%15.93%-228 bps
Total Risk-Based Capital18.20%17.20%16.68%16.22%15.93%-228 bps
Equity / Assets20.59%18.31%19.84%18.28%17.08%-351 bps
Liquidity & Funding
Loans / Deposits98.63%86.86%95.62%83.43%74.52%-2,411 bps
Liquid Assets / Assets12.73%21.82%15.63%24.70%29.13%+1,641 bps
CRE / Total Capitaln/a250%244%234%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

Genubank

Las Vegas, NV · Cert 58806 · Peer group: banks under $1B in assets (n=581-629) · JBNV Holding Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$253.2MAssets
$152.5MLoans
$204.7MDeposits
$43.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: efficiency ratio trails 90% of banks under $1B in assets (rank 568 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.29%

Rank 549 of 629

Net Interest Margin

3.60%

Rank 290 of 629

Efficiency Ratio

93.67%

Rank 568 of 629

Equity / Assets

17.08%

Rank 105 of 629

Non-interest income vs. expense

$1.1M$8.8MINCOMEEXPENSE
Unfavorable gap of $7.7M · efficiency ratio beats 10% of banks under $1B in assets
Bank 93.67%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.29%0.60%1.01%1.45%Beats 13%549 / 629
Return on Equity1.69%5.38%9.30%13.28%Beats 11%559 / 629
Net Interest Margin3.60%3.03%3.54%4.05%Beats 54%290 / 629
Efficiency Ratio93.67%58.35%67.79%79.08%Beats 10%568 / 629
Asset Quality
Nonperforming Loans / Loans0.68%0.09%0.46%1.20%Beats 39%353 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio15.93%11.24%13.84%18.77%Beats 64%225 / 629
Total Risk-Based Capital Ratio15.93%11.58%14.43%19.66%Beats 61%247 / 629
Equity / Assets17.08%9.09%10.65%13.80%Beats 83%105 / 629
Liquidity & Funding
Loans / Deposits74.52%67.24%80.90%93.48%38th pctl369 / 594
Loans / Assets60.23%53.31%67.71%78.15%35th pctl410 / 629
Brokered Deposits / Depositsn/aNot reported for this institution