Genesis Bank (FDIC #59245): Bank Stress & Real-Estate Credit Exposure

Genesis Bank (FDIC Cert #59245): bank stress 80/100, severe, STABLE over 7 days.

Genesis Bank (#59245) lends in 3 counties across 1 state; Genesis Bank (#59245) reaches 465 ZIP codes: California 3 counties, 465 ZIPs.

Genesis Bank (#59245) largest markets: Los Angeles County, CA (304 branches, 304 ZIPs) (#59245), Orange County, CA (92 branches, 92 ZIPs) (#59245), Riverside County, CA (76 branches, 76 ZIPs) (#59245).

Genesis Bank (#59245) reports $340.3 million in total assets; Genesis Bank (#59245) equity $43.3 million (12.7% of Genesis Bank (#59245) assets); Genesis Bank (#59245) domestic deposits $292.4 million; Genesis Bank (#59245) net income minus $466,000; Genesis Bank (#59245) return on assets -0.24%; Genesis Bank (#59245) return on equity -2.13%; Genesis Bank (#59245) net interest income $6.7 million; Genesis Bank (#59245) call report June 30, 2026.

Genesis Bank (#59245) noncurrent real-estate loans: none reported; Genesis Bank (#59245) net charge-offs on real estate 0.05%; Genesis Bank (#59245) residential charge-offs 0.17%.

Genesis Bank (#59245) net interest margin 3.60% against an eight-quarter Genesis Bank (#59245) average of 3.05% (Genesis Bank (#59245) compression -0.55 points); Genesis Bank (#59245) non-residential real estate 17.2% of equity; Genesis Bank (#59245) rate-exposure score 40/100, Genesis Bank (#59245) fixed-rate trap 40/100; Genesis Bank (#59245) risk type credit driven; Genesis Bank (#59245) rate regime rates elevated, Genesis Bank (#59245) snapshot October 19, 2026.

Genesis Bank (#59245) stress score moved from 85.5 on June 22, 2026 to 79.7 on October 19, 2026; Genesis Bank (#59245) ranged 79.7 to 85.5 over 116 snapshots.

Genesis Bank (#59245) alerts: 3 counties; top Genesis Bank (#59245) alert scores: Beverly Hills County, CA 25 (low); Newport Beach County, CA 25 (low); Temecula County, CA 25 (low).