# GENOA COMMUNITY BANK
GENOA, NE · FDIC certificate 5408 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $70.5M | |
| Deposits | $59.7M | |
| Loans and leases | $46.1M | |
| Total equity | $8.6M | |
| Loans / deposits | 76.37% (p55 of band) | 73.59% |
| Liquid assets / assets | 28.40% (p40 of band) | |
| Uninsured deposits / deposits | 30.10% (p82 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.66% (p57 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.92% (p62 of band) | 11.76% |
| Unrealized securities loss / equity | -8.50% (p44 of band) | -6.57% |
| AOCI / equity | 0.34% (p93 of band) | |
| ROA (annualized) | 1.52% (p68 of band) | 1.17% |
| Net interest margin | 4.33% (p69 of band) | 3.93% |
| Efficiency ratio | 63.72% (p44 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 33% | |
| Construction % of loans | 9.91% (p38 of band) | |
| Auto loans | $272,000 (0.59% of loans; DQ 4.78%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.4% | |
| Employees | 8 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2025-09-20 [Lee Rupp Obituary Sep 20, 2025 - McKown Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTFA2UUdVTGRYTHdEci0tOHJVXzRCejlUdDZlN2JIZFRDRHVxd0NHUWZEVG10bWZhSzBabGhzY05wZFRtZ3BsUjhsaEt6WWp4TmV0QXN0T21yTE5sdDEwU2lONjEwaw?oc=5) · McKown Funeral Home
- 2021-01-28 [Genoa hosts collection drive for family that lost everything in house fire - KHGI](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNU3FRd2x2blNWYzg3cTRNU1F5dTFGc1hTak5Rc1pIV29SQUVlSk13clJ4T0tkUUZNbldoMVpBMzljVzFNaV9SVTdkQnJqNHFWU2dCeDNiYy1DNFcxaG8xWV9RSnlGQjZQTXBnUkk0MWE0U3dJZVdDQlIySTV3eGxNNmZ4b1dOcDFrdFFfN2Q3aG51cnNDVVh3VlltTV82Q0lidGVMR0NFeTI?oc=5) · KHGI

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5408 (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/32.json (key "5408", 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.

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