BlastPoint's Banking Scorecard
Genesis Bank
Micro
Specialty: Commercial
CA
FDIC cert 59245
Designations: ✓ Community bank
Newport Beach, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Genesis Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 23.53% above tier
- + Non-Interest Income / Assets 1.39% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 25.31% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$415.3M
+124.6% YoY
-0.8% QoQ
|
+$197.8M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$268.1M
+96.2% YoY
-8.9% QoQ
|
+$128.9M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$365.6M
+178.9% YoY
-0.9% QoQ
|
+$182.0M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
0.29%
+108.8% YoY
+386.3% QoQ
|
-0.79% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.08%
-5.4% YoY
+12.3% QoQ
|
-0.77% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
93.03%
-53.1% YoY
-0.3% QoQ
|
+25.31% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.08%
-42.9% QoQ
|
-0.56% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
73.34%
-29.7% YoY
-8.1% QoQ
|
-1.19% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
45.93%
-7.3% YoY
+42.8% QoQ
|
+23.53% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-47.5% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
18.02%
-56.4% YoY
+13.2% QoQ
|
+9.16% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
1.95%
+558.7% YoY
+11.6% QoQ
|
+1.39% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
45.93%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.95%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
93.03%
(Tier avg: 67.73%, National avg: 65.09%)
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: 1.95% · Tier avg: 0.56%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.93% · Tier avg: 22.39%
92
92th pctile
Total Deposits
Current: $365.6M · Tier avg: $183.7M
90
90th pctile
Total Assets
Current: $415.3M · Tier avg: $217.5M
87
87th pctile
Total Loans
Current: $268.1M · Tier avg: $139.2M
82
82th pctile
Tier 1 Capital Ratio
Current: 18.02% · Tier avg: 8.85%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.34% · Tier avg: 74.53%
19
19th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.85%
12
12th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 93.03% · Tier avg: 67.73%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 93.03% · Tier avg: 67.73%
12
12th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.08%
19
19th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.85%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.34% · Tier avg: 74.53%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
82
82th pctile
Tier 1 Capital Ratio
Current: 18.02% · Tier avg: 8.85%
87
87th pctile
Total Loans
Current: $268.1M · Tier avg: $139.2M
90
90th pctile
Total Assets
Current: $415.3M · Tier avg: $217.5M
92
92th pctile
Total Deposits
Current: $365.6M · Tier avg: $183.7M
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.93% · Tier avg: 22.39%
97
97th pctile
Non-Interest Income / Assets
Current: 1.95% · Tier avg: 0.56%