Total Assets
$221M
Total balance-sheet footings
FDIC Cert #58806 · Las Vegas, Nevada · Est. 2008
GenuBank - FDIC Bank Health Profile
A community-scale look at GenuBank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $221M
- Total assets
- A
- Health grade · Excellent
- 1.48%
- Return on assets
- 16.7%
- Tier 1 capital
Data updated July 2026
The verdict
GenuBank earns a PlainBankData health grade of A (88/100), with well-capitalized at 16.68% Tier 1, profitable at 1.48% ROA, 70% efficiency ratio.
- #2,892
- largest of 4,313 FDIC banks by assets
- 33rd
- percentile by asset size, nationally
- 16.68%
- Tier 1 ratio - above the 10% well-capitalized line
- 73rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
FDIC Call Report plate
Cert 58806 · NV A · 88/100
GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL
- GRADE-A A (88/100)
- UPPER-Q #1049/4307
- PHOTO-FINISH First New Mexico Ban… · NM
- TIER1-WELL 16.7% Tier 1
- TEXAS-CLEAN 1.0% Texas
- ROA-STRONG 1.48% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Nevada: First New Mexico Bank, Las Cruces, NM (±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 GenuBank
Lowest and highest poles plus nearest scored peers outside Nevada, not a full FDIC corpus board reprint.
Call Report read for GenuBank in a high-failure state
GenuBank (FDIC Cert #58806) carries a PlainBankData health grade of A at 88/100, 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 #1,049 of 4,307. Tier 1 capital prints at 16.68%, clearing the 10% well-capitalized line. The Texas Ratio is 0.97%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.48%. Balance-sheet scale is $221M, 2,892nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First New Mexico Bank, Las Cruces (NM), 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 GenuBank
12 FAILURE resolutions in Nevada since 2000, heavy vs the state corpus
GenuBank sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2013). The list below is state history from the Failed Bank List, not a claim about GenuBank's current Call Report.
- 1st COMMERCE BANK NORTH LAS VEGAS, NV 2013 → PLAZA BANK
- NEVADA COMMERCE BANK LAS VEGAS, NV 2011 → CITY NATIONAL BANK
- SOUTHWESTUSA BANK LAS VEGAS, NV 2010 → PLAZA BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Nevada banks.
How GenuBank's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (16.68%) 40/40
Return on Assets (ROA) (1.48%) 20/25
Texas Ratio (0.97%) 20/20
Efficiency Ratio (69.53%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$172M
Customer-funded liabilities
Net Loans
$163M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where GenuBank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. GenuBank's score of 88/100 falls in the highlighted band.
GenuBank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
88 Top 24% higher than 76% of 4,307 FDIC-insured banks
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
GenuBank'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). GenuBank's $221M falls in the highlighted band.
Capital & credit buffers at GenuBank
Tier 1 capital ratio
Well-capitalized 10%
16.68% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.68%
Texas Ratio
0.97%
Equity Capital
$44M
Earnings posture at GenuBank
Return on Assets (ROA)
73rd percentile nationally
1.48%
Return on Equity (ROE)
7.47%
Efficiency Ratio
69.53%
Income & expense at GenuBank
$11M
Interest Income
$4M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. GenuBank reports a Texas Ratio of 0.97% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.97% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nevada by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($221M here), outside Nevada so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) GenuBank (FDIC Cert #58806) - 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.
GenuBank Call Report profile · FDIC Failed Bank List · Nevada FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Nevada
All Nevada banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Toyota Financial Savings BankHenderson | $15.4B | B | 0.30% |
| Beal Bank USALas Vegas | $14.5B | A | 0.63% |
| Wells Fargo National Bank WestLas Vegas | $9.0B | A | 0.87% |
| Credit One Bank, National AssociationLas Vegas | $2.0B | A | 27.69% |
| Meadows BankLas Vegas | $1.4B | A | 1.72% |
| GBankLas Vegas | $1.4B | A | 2.00% |
| Farm Bureau Bank FSBReno | $1.1B | C | 0.05% |
| Eaglemark Savings BankReno | $744M | A | 4.36% |