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Genesis Bank
Newport Beach, CA · FDIC Certificate #59245 · Chartered 08/0
Total assets
$340.25M
Total deposits
$292.42M
Total equity
$43.29M
Net loans
$257.61M
Branches (offices)
3
Net income (YTD)
-$466.00K
Rank: #2,292 of 4,213 U.S. banks by assets · #91 of 115 in California. Assets changed -29.3% and deposits -31.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.24% |
| Return on equity | -2.13% |
| Net interest margin (YTD) | 3.60% |
| Equity to assets | 12.72% |
| Tier 1 leverage ratio | 11.01% |
| Uninsured deposits (share of deposits) | 60.4% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 88.1% |
| Real estate loans (share of loans) | 96.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $248.30M | 96.4% | |
| Commercial & industrial | $12.52M | 4.9% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $120.71M | $47.82M | -$6.72M | $63.68M |
| Jun 2023 | $185.37M | $95.42M | -$6.08M | $53.06M |
| Jun 2024 | $190.72M | $133.75M | -$3.45M | $45.84M |
| Jun 2025 | $481.21M | $429.62M | $757.00K | $43.69M |
| Jun 2026 | $340.25M | $292.42M | -$466.00K | $43.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $292.42M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $292.42M.
Similar-sized banks
Alamosa State Bank ($340.26M) · The Cleveland State Bank ($340.23M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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