# BANK OF GENEVA
GENEVA, IN · FDIC certificate 5775 · asset band <$300M · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $289.8M | |
| Deposits | $206.9M | |
| Loans and leases | $258.2M | |
| Total equity | $31.0M | |
| Loans / deposits | 123.42% (p99 of band) | 77.51% |
| Liquid assets / assets | 8.64% (p4 of band) | |
| Uninsured deposits / deposits | 31.78% (p91 of band) | 15.78% |
| Brokered deposits | 2.86% | |
| Wholesale funding | 19.93% (p95 of band) | |
| FHLB advances / assets | 17.07% | |
| Tier 1 leverage | 10.88% (p44 of band) | 11.30% |
| Unrealized securities loss / equity | -1.63% (p53 of band) | -1.85% |
| AOCI / equity | -1.27% (p39 of band) | |
| ROA (annualized) | 1.78% (p89 of band) | 0.99% |
| Net interest margin | 4.78% (p92 of band) | 3.82% |
| Efficiency ratio | 61.70% (p27 of band) | |
| Noncurrent loans | 0.11% (p27 of band) | 0.53% |
| Net charge-offs (annualized) | 0.16% (p86 of band) | |
| Reserve coverage of noncurrent | 1013.45% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 16.05% (p49 of band) | |
| Auto loans | $2.1M (0.83% of loans; DQ 2.15%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.3% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 | loans exceed deposits | reserve under noncurrent |
| 2011-09 | 2 | liquid assets <10% |  |
| 2011-12 | 1 |  | liquid assets <10% |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 2 | liquid assets <10% |  |
| 2012-12 | 1 |  | liquid assets <10% |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | wholesale funding >15%, capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | wholesale funding >15% |
| 2015-03 | 3 | wholesale funding >15%, liquid assets <10% |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | wholesale funding >15% |
| 2015-12 | 3 | wholesale funding >15% |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 | capital falling | liquid assets <10%, wholesale funding >15% |
| 2018-03 | 3 | wholesale funding >15%, liquid assets <10% | capital falling |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 | charge-offs p90 | liquid assets <10% |
| 2018-12 | 4 | liquid assets <10%, capital falling | charge-offs p90 |

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

- 2017-07-06 [BUSINESS OF THE WEEK: Bank of the Finger Lakes - Finger Lakes Times](https://news.google.com/rss/articles/CBMixwFBVV95cUxPc1phSzNLRkhTeG43aW9KQWd4Q3d4eHZvR3U4WTAtSEx3a2tNZWgtUjE0RTlSNS1BS1FkcWVfekZoWF9UcnNudU5qQVhmb3F0cGdSTGJ0WFhjWExhOW5aNTRicXAyNExDcUVzZElaT3U2aGVvTVNaTFFKYnc4MUZTV1c4SVRjX3RGOXRUcHVlUTBoWjItakQ0b0JMTXdYUzlaSTVoYjFSNmRRbEJ4Yml6NDZBRmlOd29LTXZBUXY4SldQU0RkSktR?oc=5) · Finger Lakes Times
- 2020-01-06 [State Bank Of Geneva appoints new president - Daily Herald](https://news.google.com/rss/articles/CBMilAFBVV95cUxNQVVDRW10OU9rQm04ck95Qk53SmN1Tm5oUHFnUlFmcXNOS0c5am1lT2lwWl9JYWQ4V0tTa3AyT1hLTXp4OG1LVW8xRVdOV1QzQzBRendPaHpQZExKTS1zMjh0RUN4M2hSMjl2bkhVMi0zLXh3WHN5cmFVV1hsc01DR1pHODdWRFZpbGxCWjY3ZGR5ODdh?oc=5) · Daily Herald
- 2018-02-27 [Geneva State Bank to Boost Asset Management - finews.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOdVQ4Yk1XUzRzMHdCQk14VW04Y3p4UXBtNFlFOUlBcG1oZFFtWDVjWl9ObEJrdS1DVW1tcXBhZk1iaGFWbTU5X0VLenljNkVpNjkyb0xtNjNONXhpMkxqMzk1WUJJYjRYTDhieERDQ2JGdGM3SkUzSURVNkRKSWoyUG9EZE9hTW9NNU4w?oc=5) · finews.com
- 2021-05-18 [Bodmer Foundation's Berchtold: Our city is filled with museums – and International Geneva has something to do with it - Geneva Solutions](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPcFVjVUtka2o4SzdlakJ5bENDblpxMVU4S3NsQ3VhRVhuTlFRZVQwQnNKNFJNMFA4a2lpdWNISUpoTV9tR1ZzQU9sWmZ0NnNDSHhKLUZhLVc2U1N2OHJ5R28tc25DWHhNRjQ4c04wT0VSR0d2d05wa1dWQ0pTSFVKTVQ4TnZab3YtV1pxTHYzNFdvTkN3SEg1Q0k3N1BCRjdkcFlXOUNvRHhlWUg3Y3dZWDdHU3RxLWZpaU00WTk0OUZsTzFibkduTU56MnFCZjB4SklEVFBmX1gtbVVrdjFNa3ByMXlsSzNjMEIxejloZXdvUQ?oc=5) · Geneva Solutions
- 1975-04-09 [A Global Bank Tangle And Its Lost Millions (Published 1975) - The New York Times](https://news.google.com/rss/articles/CBMilgFBVV95cUxNT2xPaUYyVnhwdkdCMGNmcFYyaGtpM0EtQXlyaENBSjlPbnBUNW9nZW5MTXdwZFIwYmhpMlZySWt3YXhnQnZQaE82OUtwejFoWENhZ3M3bEpSbHNpa08ydlRwczk3OGRPV3d1M3dHR0s2T2VWZEhNS25MUUREQkJYX1ZCYVM0c0l3SU8xQ1JvMGNfOHpfVVE?oc=5) · The New York Times
- 2020-12-23 [Changing of guard at LNB - Finger Lakes Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxOSjhoVG5XSHNUQnM0ZGhzRjNYNTB2V0hXRzczVG5td3I5YklvS1ZfNFg4N1lxQzhZZlNmakZqZEVTM2t5Zk95VUNrTkxrd0RPMF9kbGtCZm9uX2JzbjhaZ3pkZnBZeTJQd2hmcU1ZelZwclAxYnYwcG0zcTBoNXpxOENBc29NWTFBRm1tRF9fblNTRWprdmtmRGFHNnBYbFQzOTg0b1R3?oc=5) · Finger Lakes Times
- 2023-04-19 [Geneva Cantonal Bank Appoints New Human Resources Head - finews.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNZ3dnZzQybmNzRkh3ekFrQ0tNQjVvVkswSlp4ZG5OdU5oNnhXWXhJRjB6NnpEczFnRGlXbHBRWUpVUWRUbDhIOHhMdHpveWhldkhfWVZIZElBbWRJd1BjVzNNYjE3Wk9fbW9aS1YtVFhkM2ZUbUVtdXhEd1ItaC1aSmxldGdSWmlQZUZuRA?oc=5) · finews.com
- 2024-12-23 [Five things to know about your Swiss bank account before emigrating - SWI swissinfo.ch](https://news.google.com/rss/articles/CBMinAFBVV95cUxPQlhwXzlxVzY2azZtQkh3a1ZEc2xRVXBIVXhWb2FDRnRvOGpQbHU4dEM1Q1M3b1QwQWZIUUI2RmdEZHNpcVhQajR2Vi10Mi1oS3pxZlVKeHdPT3MtY3ZqMVlZMTZEUXE3X0xabXJtQVhWQ1RKQnpOYU1uUzQ2U0syNVVKMGJFUDk0SFZFckJ1UkY0Y3lrQTZVMTdhUnA?oc=5) · SWI swissinfo.ch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5775 (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/15.json (key "5775", 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