Genoa Banking Co: Bank Stress & Real-Estate Credit Exposure

Bank stress at Genoa Banking Co (FDIC Cert #2285) registers 83/100 on DLRadar's scale — a severe reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Genoa Banking Co's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Read against its 4-county reach, a severe score sets the credit tone for every market on its map. Rather than a standalone rating, the severe score is tied to real markets — every one of the 86 ZIP codes Genoa Banking Co lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. At the county level, Genoa Banking Co finances markets like Wood County, OH, Lucas County, OH, Ottawa County, OH, Sandusky County, OH — the specific places where its credit posture translates into local lending capacity. The Genoa Banking Co score updates as fresh FDIC call reports post each quarter, so its 83/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Genoa Banking Co is directly comparable to any lender in the country. Genoa Banking Co is held under Genbanc Inc, so its disclosures are public and its stress trajectory is externally verifiable. Genoa Banking Co runs a compact, single-state real-estate lending footprint — 4 U.S. counties across 1 state, spanning 86 ZIP codes. Its heaviest exposure sits in Ohio (4 counties).

For buyers, lender stress is an early map of supply: when Genoa Banking Co pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.