BlastPoint's Banking Scorecard
GenuBank
Micro
Specialty: Commercial
NV
FDIC cert 58806
Designations: ✓ Community bank
Las Vegas, NV
2498
banks in Micro tier nationally
7 in NV
View Micro leaderboard (NV) →
GenuBank shows strong momentum with 1 strength and 8.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.25% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$221.1M
+8.4% YoY
-6.0% QoQ
|
+$3.6M |
$217.5M
+2.3% YoY
|
$3.2B
+14.2% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$163.3M
+24.7% YoY
+1.4% QoQ
|
+$24.1M |
$139.2M
+2.8% YoY
|
$1.5B
+26.6% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$172.1M
+9.0% YoY
-7.8% QoQ
|
-$11.5M |
$183.7M
+1.8% YoY
|
$2.0B
+4.4% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
1.48%
+77.6% YoY
-1.1% QoQ
|
+0.39% |
1.08%
+14.7% YoY
|
1.39%
+1.9% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
3.93%
-0.0% YoY
+3.4% QoQ
|
+0.07% |
3.85%
+6.6% YoY
|
3.77%
+2.0% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
69.53%
-16.0% YoY
+0.4% QoQ
|
+1.81% |
67.73%
-4.8% YoY
|
57.14%
-2.3% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.27%
+13.9% YoY
-14.0% QoQ
|
-0.37% |
0.64%
+24.4% YoY
|
1.13%
+57.4% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
94.86%
+14.3% YoY
+10.1% QoQ
|
+20.34% |
74.53%
+0.5% YoY
|
79.84%
-0.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.67%
-33.6% YoY
-19.7% QoQ
|
+2.28% |
22.39%
-1.3% YoY
|
23.03%
-6.8% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.20%
+31.1% YoY
-7.3% QoQ
|
-0.26% |
0.45%
+25.1% YoY
|
0.59%
-6.4% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.71%
-20.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.82%
+5.6% YoY
+31.4% QoQ
|
+1.25% |
0.56%
+0.3% YoY
|
0.78%
-34.8% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.82%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
97
97th pctile
Non-Interest Income / Assets
Current: 1.82% · Tier avg: 0.56%
74
74th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.08%
65
65th pctile
Total Loans
Current: $163.3M · Tier avg: $139.2M
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.67% · Tier avg: 22.39%
57
57th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.64%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.45%
56
56th pctile
Total Assets
Current: $221.1M · Tier avg: $217.5M
55
55th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.85%
52
52th pctile
Total Deposits
Current: $172.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Efficiency Ratio
Current: 69.53% · Tier avg: 67.73%
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.86% · Tier avg: 74.53%
Top Weaknesses
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.86% · Tier avg: 74.53%
41
41th pctile
Efficiency Ratio
Current: 69.53% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Deposits
Current: $172.1M · Tier avg: $183.7M
55
55th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.85%
56
56th pctile
Total Assets
Current: $221.1M · Tier avg: $217.5M
57
57th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.45%
57
57th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.64%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.67% · Tier avg: 22.39%
65
65th pctile
Total Loans
Current: $163.3M · Tier avg: $139.2M
74
74th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.08%
97
97th pctile
Non-Interest Income / Assets
Current: 1.82% · Tier avg: 0.56%