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

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.30%	1.17%	1.17%	0.48%	0.31%	-99 bps
Return on Equity	6.38%	5.94%	5.90%	2.50%	1.68%	-470 bps
Net Interest Margin	3.66%	3.49%	3.46%	3.61%	3.60%	-7 bps
Efficiency Ratio	67.25%	69.25%	69.53%	91.24%	92.63%	+2,538 bps
Non-Interest Burden	1.67%	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 / Loans	0.07%	0.31%	0.26%	0.31%	0.68%	+61 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	0.77%	0.76%	0.79%	0.71%	0.74%	-3 bps
Allowance Coverage of NPLs	11.1x	2.5x	3.0x	2.3x	1.1x	-10.0x
Capital
Tier 1 Leverage Ratio	18.20%	17.20%	16.68%	16.22%	15.93%	-228 bps
Total Risk-Based Capital	18.20%	17.20%	16.68%	16.22%	15.93%	-228 bps
Equity / Assets	20.59%	18.31%	19.84%	18.28%	17.08%	-351 bps
Liquidity & Funding
Loans / Deposits	98.63%	86.86%	95.62%	83.43%	74.52%	-2,411 bps
Liquid Assets / Assets	12.73%	21.82%	15.63%	24.70%	29.13%	+1,641 bps
CRE / Total Capital	n/a	250%	244%	234%	n/a	n/a