Genoa Banking Co (FDIC #2285): Bank Stress & Real-Estate Credit Exposure
Genoa Banking Co (FDIC Cert #2285): bank stress 83/100, severe, STABLE over 7 days; parent GENBANC INC.
Genoa Banking Co (#2285) lends in 4 counties across 1 state; Genoa Banking Co (#2285) reaches 86 ZIP codes: Ohio 4 counties, 86 ZIPs.
Genoa Banking Co (#2285) largest markets: Wood County, OH (34 branches, 34 ZIPs) (#2285), Lucas County, OH (120 branches, 30 ZIPs) (#2285), Ottawa County, OH (60 branches, 20 ZIPs) (#2285), Sandusky County, OH (17 branches, 17 ZIPs) (#2285).
Genoa Banking Co (#2285) reports $747.8 million in total assets; Genoa Banking Co (#2285) equity $54.8 million (7.3% of Genoa Banking Co (#2285) assets); Genoa Banking Co (#2285) domestic deposits $664.7 million; Genoa Banking Co (#2285) net income $3.1 million; Genoa Banking Co (#2285) return on assets 0.85%; Genoa Banking Co (#2285) return on equity 11.55%; Genoa Banking Co (#2285) net interest income $13.3 million; Genoa Banking Co (#2285) call report June 30, 2026.
Genoa Banking Co (#2285) noncurrent real-estate loans: none reported; Genoa Banking Co (#2285) net charge-offs on real estate 0.01%; Genoa Banking Co (#2285) residential charge-offs 0.04%.
Genoa Banking Co (#2285) net interest margin 3.89% against an eight-quarter Genoa Banking Co (#2285) average of 3.46% (Genoa Banking Co (#2285) compression -0.43 points); Genoa Banking Co (#2285) non-residential real estate 3.7% of equity; Genoa Banking Co (#2285) rate-exposure score 40/100, Genoa Banking Co (#2285) fixed-rate trap 40/100; Genoa Banking Co (#2285) risk type credit driven; Genoa Banking Co (#2285) rate regime rates elevated, Genoa Banking Co (#2285) snapshot October 20, 2026.
Genoa Banking Co (#2285) stress score moved from 83.4 on June 22, 2026 to 83 on October 20, 2026; Genoa Banking Co (#2285) ranged 83 to 83.4 over 117 snapshots.
Genoa Banking Co (#2285) alerts: 4 counties; top Genoa Banking Co (#2285) alert scores: Fremont County, OH 28 (low); Port Clinton County, OH 28 (low); Rossford County, OH 28 (low); Toledo County, OH 28 (low).