BlastPoint's Banking Scorecard
Genesee Regional Bank
Community
Specialty: Commercial
NY
FDIC cert 26333
Rochester, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Genesee Regional Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 55% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+5.8% YoY
-0.6% QoQ
|
-$82.6M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$919.8M
-0.3% YoY
-1.4% QoQ
|
-$55.7M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$1.0B
+6.9% YoY
+4.4% QoQ
|
-$116.4M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.19%
+46.6% YoY
+5.4% QoQ
|
+0.02% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
3.02%
+18.3% YoY
+1.7% QoQ
|
-0.65% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
56.19%
-8.0% YoY
+1.5% QoQ
|
-6.44% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.72%
+582.2% YoY
+10.5% QoQ
|
+0.10% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
87.75%
-6.7% YoY
-5.5% QoQ
|
+4.69% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
16.35%
-15.6% YoY
-11.6% QoQ
|
-4.69% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.51%
+542.8% YoY
+9.7% QoQ
|
+0.01% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.15%
+25.5% YoY
+29.6% QoQ
|
+0.41% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
NIB Deposit Bleed
decline
#49 of 89 · Bottom 55% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
16.35%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Non-Interest Income / Assets
Current: 1.15% · Tier avg: 0.74%
69
69th pctile
Efficiency Ratio
Current: 56.19% · Tier avg: 62.63%
65
65th pctile
Total Loans
Current: $919.8M · Tier avg: $975.5M
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
55
55th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.75% · Tier avg: 83.06%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.50%
34
34th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.35% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
18
18th pctile
Net Interest Margin
Current: 3.02% · Tier avg: 3.66%
Top Weaknesses
18
18th pctile
Net Interest Margin
Current: 3.02% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.35% · Tier avg: 21.05%
34
34th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.50%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.75% · Tier avg: 83.06%
55
55th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
65
65th pctile
Total Loans
Current: $919.8M · Tier avg: $975.5M
69
69th pctile
Efficiency Ratio
Current: 56.19% · Tier avg: 62.63%
89
89th pctile
Non-Interest Income / Assets
Current: 1.15% · Tier avg: 0.74%