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Genesee Regional Bank
Rochester, NY · FDIC Certificate #26333 · Chartered 08/1
Total assets
$1.31B
Total deposits
$1.08B
Total equity
$125.00M
Net loans
$897.66M
Branches (offices)
3
Net income (YTD)
$10.07M
Rank: #844 of 4,213 U.S. banks by assets · #54 of 115 in New York. Assets changed 2.1% and deposits 9.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.54% |
| Return on equity | 16.69% |
| Net interest margin (YTD) | 3.19% |
| Equity to assets | 9.54% |
| Tier 1 leverage ratio | 10.97% |
| Uninsured deposits (share of deposits) | 35.7% |
| Noncurrent loans (share of loans) | 0.59% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 83.4% |
| Real estate loans (share of loans) | 73.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $658.53M | 73.4% | |
| Commercial & industrial | $210.94M | 23.5% | |
| Consumer / individual | $2.78M | 0.3% | |
| Construction & development | $59.05M | 6.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.05B | $903.31M | $8.54M | $77.78M |
| Jun 2023 | $1.18B | $823.37M | $4.58M | $82.69M |
| Jun 2024 | $1.18B | $905.44M | $4.37M | $90.42M |
| Jun 2025 | $1.28B | $979.59M | $7.23M | $105.32M |
| Jun 2026 | $1.31B | $1.08B | $10.07M | $125.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $1.08B | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.08B.
Similar-sized banks
First Texas Bank ($1.31B) · Signature Bank, National Association ($1.31B)
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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