FDIC Cert #26333 · Rochester, New York · Est. 1985

Genesee Regional Bank - FDIC Bank Health Profile

A community-scale look at Genesee Regional Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.3B
Total assets
B
Health grade · Good
1.19%
Return on assets
10.2%
Tier 1 capital

Data updated July 2026

The verdict

Genesee Regional Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.19% Tier 1, profitable at 1.19% ROA, efficient (56% cost ratio).

#837
largest of 4,313 FDIC banks by assets
81st
percentile by asset size, nationally
10.19%
Tier 1 ratio - above the 10% well-capitalized line
56th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 26333 · NY B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2429/4307
  • PHOTO-FINISH Enterprise Bank & Tr… · MO
  • TIER1-WELL 10.2% Tier 1
  • TEXAS-CLEAN 5.2% Texas
  • ROA-PAR 1.19% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: Enterprise Bank & Trust, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Genesee Regional Bank

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community State Bank · IL · …76/100Enterprise Bank & Tr… · MO ·…76/100Genesee Regional Bank · NY ·…76/100Golden Belt Bank, FSA · KS ·…76/100Independent Bank · MI · near76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Genesee Regional Bank · July 2026

What Genesee Regional Bank's Call Report plate shows

Genesee Regional Bank (FDIC Cert #26333) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,429 of 4,307. Tier 1 capital prints at 10.19%, clearing the 10% well-capitalized line. The Texas Ratio is 5.16%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.19%. Balance-sheet scale is $1.3B, 837th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Enterprise Bank & Trust (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Genesee Regional Bank

6 FAILURE resolutions in New York since 2000 (5 since 2008)

Genesee Regional Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Genesee Regional Bank remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

How Genesee Regional Bank's 76/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10076/100
Genesee Regional Bank's composite health score
Tier 1 Capital Ratio (10.19%) 28/40
Return on Assets (ROA) (1.19%) 20/25
Texas Ratio (5.16%) 16/20
Efficiency Ratio (56.19%) 12/15

76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.3B

Total balance-sheet footings

Total Deposits

$1.0B

Customer-funded liabilities

Net Loans

$920M

Outstanding loan book

Net Income

$15M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.79% 10.19% 11.59%
Basel III capital ratios - Genesee Regional Bank

Where Genesee Regional Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Genesee Regional Bank's score of 76/100 falls in the highlighted band.

Genesee Regional Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 44th percentile higher than 44% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Genesee Regional Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Genesee Regional Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Genesee Regional Bank's $1.3B falls in the highlighted band.

Safety ratios for Genesee Regional Bank

Tier 1 capital ratio
Well-capitalized 10%

10.19% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.19%
Texas Ratio
5.16%
Equity Capital
$117M

What these ratios mean →

Earnings posture at Genesee Regional Bank

Return on Assets (ROA)
56th percentile nationally
1.19%
Return on Equity (ROE)
14.28%
Efficiency Ratio
56.19%

What these mean →

Income & expense at Genesee Regional Bank

$68M
Interest Income
$15M
Non-Interest Income
$29M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Genesee Regional Bank reports a Texas Ratio of 5.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Genesee Regional Bank on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.3B here), outside New York so the neighborhood is not state containment.

Plains Commerce Bank $1.3B · SD Blue Sky Bank $1.3B · OK United Bankers' Bank $1.3B · MN Signature Bank $1.3B · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Genesee Regional Bank (FDIC Cert #26333) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Genesee Regional Bank Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
Goldman Sachs Bank USANew York $645.0B A 1.42%
The Bank of New York MellonNew York $381.0B A 1.31%
Morgan Stanley Private Bank, National AssociationPurchase $254.7B A 1.10%
Manufacturers and Traders Trust CompanyBuffalo $212.9B A 1.40%
Flagstar Bank, National AssociationHicksville $87.5B D -0.14%
Bank of ChinaNew York $61.9B F 0.00%
Deutsche Bank Trust Company AmericasNew York $43.0B A 1.86%
State Bank of IndiaNew York $22.6B F 0.00%