# GENESEE REGIONAL BANK
ROCHESTER, NY · FDIC certificate 26333 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.31B | |
| Deposits | $1.08B | |
| Loans and leases | $910.2M | |
| Total equity | $125.0M | |
| Loans / deposits | 83.45% (p41 of band) | 87.10% |
| Liquid assets / assets | 25.99% (p67 of band) | |
| Uninsured deposits / deposits | 35.66% (p63 of band) | 30.76% |
| Brokered deposits | 7.67% | |
| Wholesale funding | 15.01% (p79 of band) | |
| FHLB advances / assets | 7.34% | |
| Tier 1 leverage | 10.97% (p60 of band) | 10.50% |
| Unrealized securities loss / equity | -16.29% (p26 of band) | -7.75% |
| AOCI / equity | 0.14% (p86 of band) | |
| ROA (annualized) | 1.54% (p71 of band) | 1.26% |
| Net interest margin | 3.19% (p22 of band) | 3.70% |
| Efficiency ratio | 52.71% (p31 of band) | |
| Noncurrent loans | 0.59% (p56 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p57 of band) | |
| Reserve coverage of noncurrent | 233.14% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 47.24% (p49 of band) | |
| Auto loans | $35,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $25.6M (20% of equity) (p92 of band) | |
| Deposits YoY | 9.8% | |
| Employees | 173 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, leverage <7%, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 2 |  | leverage <7%, construction >100% equity |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | capital falling, reserve under noncurrent |  |
| 2012-06 | 3 |  | capital falling |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | capital falling |  |
| 2013-03 | 3 |  | capital falling |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | reserve under noncurrent |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | reserve under noncurrent |  |
| 2015-09 | 2 |  | reserve under noncurrent |
| 2015-12 | 3 | reserve under noncurrent |  |
| 2016-03 | 2 |  | reserve under noncurrent |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | reserve under noncurrent |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | capital falling | reserve under noncurrent |
| 2017-06 | 3 | reserve under noncurrent | capital falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | noncurrent p90 |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 | capital falling, charge-offs p90 | brokered >10%, wholesale funding >15% |
| 2018-12 | 1 |  | reserve under noncurrent, noncurrent p90, capital falling |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | wholesale funding >15% |  |
| 2021-12 | 1 | capital falling | wholesale funding >15% |
| 2022-03 | 2 | brokered >10%, wholesale funding >15% | capital falling |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 5 | capital falling |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 3 | uninsured deposits leaving | brokered >10%, AOCI drag >20% of equity, capital falling |
| 2023-06 | 5 | NIM <2.5%, deposits shrinking |  |
| 2023-09 | 6 | loans exceed deposits |  |
| 2023-12 | 4 |  | deposits shrinking, loans exceed deposits |
| 2024-03 | 4 | deposits shrinking | uninsured deposits leaving |
| 2024-06 | 3 |  | deposits shrinking |
| 2024-09 | 3 | capital falling | securities losses >30% of equity |
| 2024-12 | 3 | securities losses >30% of equity | NIM <2.5% |
| 2025-03 | 1 |  | capital falling, securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-08 [Rochester banks balance digital innovation with personal service - rbj.net](https://news.google.com/rss/articles/CBMilwFBVV95cUxObVVjUzZZd201dW55bU11LVRxUUE4UzRFWXdrS1Jab0FxeUxoY2VvN1l2YURzMjk0RDY1dldEVGl1ckEwNEVaSFJ4Uk1qcXJiUVRvdko4MlU2aWFRODZ2NzJyLTkzVS1TLWJGU2l2WDNXNG1lbmx3dUl3U2RGb0FFZ2lMUldWUmQ5aHdPZF96VENVVmRqYnUw?oc=5) · rbj.net
- 2025-12-30 [Local banks cautiously optimistic heading into 2026 - rbj.net](https://news.google.com/rss/articles/CBMigwFBVV95cUxOMF9TNVI1ZG9GYVFCR29aRTYzSUZCUm1IOUVIYmtvTldibmVYenp2ZGY1YXBFTlY5ZTY5QzNjaFVGWE8wU0VMbmFpZ3ZiakR5YU1vQTJ4enVWaTRLX2w5Q0pYME1qRzBoNTFPNFUxQWxDV04zblZFVmdMdUVmbUpuTnlVMA?oc=5) · rbj.net
- 2025-04-11 [America's Best Regional Banks and Credit Unions 2025 - New York - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQeEk3TUd0LUd6YTZiZkFaSGpRRzdDVHVzUWdsaDJuUzVmSHBBV1I4X2dQTHh1ckdQWklQdnpzMDh3UHBkaE9RQTBNV1piUUJQYWkyVXVUd2k1dGpncWpQTHR6Qmp4UGZKSENYNWx2MkxueTJIY3I3S01JQWlnbnhsQXNsSFgxRnl5b1VXdnBTSQ?oc=5) · Newsweek Rankings
- 2023-11-16 [Volunteers hold free diaper giveaway in Rochester - 13wham.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQXzJTbkdOcjR5anlid1U4QVR0MVF4ZkxobUx4T2d0aExBVGw2ZE1NX0xTalQyWTJCTFRNZkJLUE0zTWRaSlVaME83YjdvVVUtSUctQlZublhaeVJqUDN1Nmp0b093ZTlnSmZYY0RiZXBsRHNHWWQ5dmthcUpWS2F5X19VNWN4QQ?oc=5) · 13wham.com
- 2024-07-25 [Home Ownership Incentive Program for University employees expands to entire city of Rochester - University of Rochester](https://news.google.com/rss/articles/CBMikAFBVV95cUxONFoybUMyU0htTThSN1dXY19ldU1XNXlWZVFTWlBYUm1yblE2WVVLNkNZcmlyMXMtWV9rQy05dDhkZ3FIRGZqMjZrTWhqVmRUMmlGazF6RjdrV1ViaF94RlBhbGNiSk1DckpJYU80Nmtrb2hjT0MtUDIxeGQzZlMxcHpoallTOFhnUHNmNG41a0M?oc=5) · University of Rochester
- 2026-01-05 [ESL completes $26.2M acquisition, expands regional footprint - rbj.net](https://news.google.com/rss/articles/CBMiowFBVV95cUxPUGRLeUlsX2JyVUJzT29FMXZLcldDWXBTS0RCMnVDbHp6bjNodmRTS25leVZxUjE2allKOGVBdV9BbnBQbTFCUXlBakRKdHJTR3lBQnVUbzRtMVBYb0Y3SkJXUHNzamZjVGdod21uUlYzUTljMGJDUXhkc084RzJDQm9fN2lIRFRJbnlvQy1wNnM1TmFtS2VSMTBIZmFfWUVCcTQ0?oc=5) · rbj.net
- 2013-11-25 [Genesee Regional Bank acquires First Rochester - Democrat and Chronicle](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNZ09URVNLQ2xROVZJemZRbEJwU1NoZGZMa29jSEd0YzRBRG1XOUJwSnVOTGYyWEZHYVM0ME9OR2RsZ3hPZ1RMeEVEN05ma0hBbkZUM29CX0dZcUF4VEgwN2lEZXdBZG1nczVlcDJOU2dUZDVDNFFCTTZ1M3pGRHNKSm5aZ184eklValY5TjF4b3otelJGckFKdm45bVRHVWJhbk9Zem8xb09CdkFoaU9KUzFhQWQyRkVfWXJIZ3lZVWJaQQ?oc=5) · Democrat and Chronicle
- 2026-07-20 [GRB’s 30-year journey shows the power of community-focused banking - rbj.net](https://news.google.com/rss/articles/CBMijwFBVV95cUxPUzVpV1NUVjRrQkszcGNjbkd2TEJVaFRFTy05R0Z5T0xhWGk4aVlUVk1SVENNd0NsXzZlRUFEVFZmZGl0X1BYZHNBWi01cUlubXZkUEw3QVhXdTZhY0xnMkNnZTlPNm12U1Z0YjB2SzdsNkU4WkVtd3ZGd1gtTmxIVTByVDBma1Y5Nm1HWXhMSQ?oc=5) · rbj.net

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26333 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "26333", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide