Genesis Bank

Newport Beach, CA · Cert 59245 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 3 branches

Q2 2026

$340.3MAssets

$260.8MLoans

$292.4MDeposits

$43.3MEquity

Executive Summary

Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 17 of 27).
Widest gap: efficiency ratio trails 93% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 27 of 28).
Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.27%

Rank 25 of 28

Net Interest Margin

3.56%

Rank 16 of 28

Efficiency Ratio

109.30%

Rank 27 of 28

Equity / Assets

12.72%

Rank 20 of 28

Unfavorable gap of $14.8M · efficiency ratio beats 7% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	-0.27%	0.39%	0.81%	1.45%	Beats 11%	25 / 28
Return on Equity	-2.15%	2.58%	5.09%	9.10%	Beats 11%	25 / 28
Net Interest Margin	3.56%	3.22%	3.68%	4.12%	Beats 43%	16 / 28
Efficiency Ratio	109.30%	56.77%	70.25%	85.37%	Beats 7%	27 / 28
Asset Quality
Nonperforming Loans / Loans	0.04%	n/a	0.26%	1.61%	Beats 59%	12 / 27
Net Charge-Offs / Loans	0.00%	n/a	n/a	0.02%	Beats 100%	17 / 27
Capital
Tier 1 Capital Ratio	18.12%	13.70%	16.46%	19.75%	Beats 64%	10 / 28
Total Risk-Based Capital Ratio	19.38%	14.96%	17.60%	20.63%	Beats 68%	9 / 28
Equity / Assets	12.72%	11.97%	15.41%	17.42%	Beats 29%	20 / 28
Liquidity & Funding
Loans / Deposits	89.19%	84.00%	97.95%	102.47%	32nd pctl	19 / 28
Loans / Assets	76.65%	69.18%	76.59%	81.19%	54th pctl	13 / 28
Brokered Deposits / Deposits	n/a	Not reported for this institution