# GENUBANK
LAS VEGAS, NV · FDIC certificate 58806 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $253.2M | |
| Deposits | $204.7M | |
| Loans and leases | $152.5M | |
| Total equity | $43.3M | |
| Loans / deposits | 73.97% (p51 of band) | 73.59% |
| Liquid assets / assets | 34.39% (p54 of band) | |
| Uninsured deposits / deposits | 40.41% (p93 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.93% (p81 of band) | 11.76% |
| Unrealized securities loss / equity | -0.21% (p87 of band) | -6.57% |
| AOCI / equity | -0.11% (p63 of band) | |
| ROA (annualized) | 0.39% (p15 of band) | 1.17% |
| Net interest margin | 3.73% (p39 of band) | 3.93% |
| Efficiency ratio | 92.63% (p91 of band) | |
| Noncurrent loans | 0.68% (p62 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 108.50% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 2.39% (p24 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 29.5% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | reserve under noncurrent |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 3 |  | expense ratio p90 |
| 2012-12 | 2 |  | reserve under noncurrent |
| 2013-03 | 2 | charge-offs p90, reserve under noncurrent | losing money, capital falling |
| 2013-06 | 3 | losing money |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 | capital falling | losing money |
| 2014-03 | 2 |  | charge-offs p90 |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent, capital falling |
| 2015-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2015-06 | 1 |  | reserve under noncurrent |
| 2015-09 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 | NIM <2.5% | capital falling |
| 2019-12 | 2 | uninsured deposits >50% |  |
| 2020-03 | 0 |  | NIM <2.5%, uninsured deposits >50% |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | losing money, assets shrinking | capital falling |
| 2021-03 | 0 |  | losing money, assets shrinking |
| 2021-06 | 3 | uninsured deposits >50%, losing money, expense ratio p90 |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 | capital falling | losing money, expense ratio p90 |
| 2022-03 | 3 | losing money, expense ratio p90 | capital falling |
| 2022-06 | 1 |  | losing money, expense ratio p90 |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | deposits shrinking |  |
| 2023-03 | 1 |  | deposits shrinking |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | deposits shrinking, assets shrinking |  |
| 2023-12 | 0 |  | uninsured deposits >50%, deposits shrinking, assets shrinking |
| 2024-03 | 5 | losing money, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 4 |  | losing money |
| 2024-09 | 2 | uninsured deposits >50%, capital falling | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-12 | 0 |  | uninsured deposits >50%, capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | expense ratio p90 |  |

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

- 2026-06-03 [GenuBank Announces Three Senior Leadership Appointments - Nevada Business Magazine](https://news.google.com/rss/articles/CBMilgFBVV95cUxONTlUWTd2d1czcHRoZFBnR3Q2SFFpdmhJc29sSnZTMVJmRjFjNWwydzRrM0RUekhsa3p5SDRGNm4zMGtBaERMdXJSMUh5N0tsMDluXzhBb3J3Tzk5ZG5sV29VN0xTRGdNT0c3bEJPQlcxRFV6M3RtQl9DeWdBMmJrMTNvbk9wSDE2ekZweEpqRVBmVldVaEE?oc=5) · Nevada Business Magazine
- 2025-12-29 [GenuBank Appoints Jason Naugle as New President & CEO - Nevada Business Magazine](https://news.google.com/rss/articles/CBMikAFBVV95cUxQQ3JuVVI5cTNtWDVxdVpTejRVVmYxUDM0dDBlMnZfVFFCaXRtdlU1LTc5U0FPb2xJeDNsQllXT2E4YWdhNXdfeTJlMFE2Wnh2ZWc3MUxJME41UldhQVRkUGdIb3dISXRXRDd5dmhBMDl4VDJGS3FIcEZLU1BNWXZ2UkRGU0U2X2NYT04zMDNQZFo?oc=5) · Nevada Business Magazine
- 2026-06-09 [GenuBank Announces Three Senior Leadership Appointments - Business Wire](https://news.google.com/rss/articles/CBMisgFBVV95cUxQM0drTmR0UzdyYkpub1RuYlhBNEZNWnVtdlBWbndfY2V3QUhQU1dUbWtyMXAzUWk5TVF0MXBCMVVOaU1qRE5xVzNKcXlxRjJhdElrRkNSNjZrcXZjZ3pXWTRtM1E3cFlNQzY0amFtREE3MFRpSk5Xd3RBV0YtWTdFajlIeHBsdFYyUjc4OVVNdmtES0FrWnUxRDMwVDdLVWRicERIYWxYQnFDTTZHWnZKWUFR?oc=5) · Business Wire
- 2023-08-09 [Las Vegas bank to relocate HQ to new Spring Valley development - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMirwFBVV95cUxNaVMzOFQ3R1pscHI2SktKSlZyamZEMnUyOWNtY2JWTS1SalFUS1owVndoM1RDaHhRZXUtT1RWQzlHLVNJZVk2VTNHSjAyZUV4QVgzM2VETUJLMm12empGcHFzaUIzdlFZc3V1d1RQNzFNQVhmQWJhT0pDcW45S1FGX1NvcTVEWGVmOTlSY0tDa0VxaG5vSzJ5ZjdUOHlfeC1mVC1peUNNeVFDRG10TzZn?oc=5) · Las Vegas Review-Journal
- 2025-03-14 [GenuBank Announces Executive Leadership Team Expansion - Nevada Business Magazine](https://news.google.com/rss/articles/CBMilAFBVV95cUxQem53TnZiLVZta0RwUG1qbGcwRnU5M2d4cU1UZU9qdjdNc0lIa1llYk1QMVdkTmJwaWtUV0o5UjRiZXRLMjYwTGNEb0dHUjVTNHVUZEhiOU1HYUF5OFlCOVlsaDh0MDdFMTFkeTdkV3QybDZ1a1pUNm9PcU8wMXo3XzZLZXFWZTdWTDZsY1hwSmxZdlUx?oc=5) · Nevada Business Magazine
- 2023-12-08 [Blockchains CEO buys “unfinished masterpiece” mansion for $25M - The Real Deal](https://news.google.com/rss/articles/CBMilwFBVV95cUxORE1wdk5LQnd1aktoUEVtc21jbk1CdUd6OVBzei1pelJNQUxnTElNdkJXOWdGUURXcXQ0Sko1WDM0NHJGd0NOU1Vtb2hOc0pTLVowYWJGWVkwWW0wVHVOTTNzN3FKWkRiZldSeGFNbUZiTjU3STFEZTVVZmdOQTlxc3NRRzlLUGtVTERsaDEyYlVYY0pydjJr?oc=5) · The Real Deal
- 2025-04-29 [GenuBank Expands Commercial Lending Leadership Team - Nevada Business Magazine](https://news.google.com/rss/articles/CBMikAFBVV95cUxPaU1mQnAwQTVsa1dZQWU4UnFLRVEzaENybzJ1c3NFSFpJQy1iWUhYcnR3bjV1Z2hPUkQycDFGd0s0UHlvOG0zWGsxMkNhZlZYVThyOHdaQWs3aE5OTWFQUE5XS1d5bFdPekpib1pHUENUODRsRFZJR2xMTHg2aWRrVER2d0lHdDkwZ1hsd0lKdnc?oc=5) · Nevada Business Magazine
- 2024-03-15 [GenuBank Announces Relocation to UnCommons - Nevada Business Magazine](https://news.google.com/rss/articles/CBMihAFBVV95cUxNVmdUYjZXeW9PbkY5VmdHcTExc1Roek1DMXFVMnZBTTZSUTN3NGtGTjRCZGVfYmNYVTRVUGJzN2c3dzc1X0pKZ09PY2pNWjROd21fNmhHdThTLUhhM0pfeWlSZzF3MERuR1pfb3F0NWlJdlJfN3ZQQ2RzdGcwUEpzUkJrdG0?oc=5) · Nevada Business Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58806 (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/54.json (key "58806", 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