TellerScore

Headquartered in Rochester, New York, Genesee Regional Bank is a state-chartered bank with $1.3B in total assets and $1.1B in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1985.

Genesee Regional Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 36th. Problem-loan coverage contributes the most (92/100, 4.2%); funding & liquidity contributes the least (54/100, 83% loans-to-deposits, 36% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.97%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.59%
Earnings81/100
Return on assets (annualized): 1.54%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 83.4% · 35.7% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.21%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 8 points (64 → 72), mostly because the earnings component improved by 15 points.

TellerScore
646872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202464
Q4 202464
Q1 202567
Q2 202564
Q3 202564
Q4 202565
Q1 202668
Q2 202672
Tier 1 leverage ratio
5.00%7.98%10.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.70%
Q3 20249.56%
Q4 20249.53%
Q1 20259.80%
Q2 202510.08%
Q3 202510.05%
Q4 202510.19%
Q1 202610.62%
Q2 202610.97%
Noncurrent loans
0.06%0.39%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.07%
Q4 20240.11%
Q1 20250.06%
Q2 20250.70%
Q3 20250.65%
Q4 20250.72%
Q1 20260.63%
Q2 20260.59%
Return on assets
0.72%1.13%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.75%
Q3 20240.72%
Q4 20240.81%
Q1 20250.95%
Q2 20251.15%
Q3 20251.12%
Q4 20251.19%
Q1 20261.30%
Q2 20261.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$1.3B10.97%0.59%1.54%83.4%
Q1 202668$1.3B10.62%0.63%1.30%85.2%
Q4 202565$1.3B10.19%0.72%1.19%87.7%
Q3 202564$1.3B10.05%0.65%1.12%92.9%
Q2 202564$1.3B10.08%0.70%1.15%91.3%
Q1 202567$1.3B9.80%0.06%0.95%91.6%
Q4 202464$1.2B9.53%0.11%0.81%94.1%
Q3 202464$1.2B9.56%0.07%0.72%94.9%
Q2 202465$1.2B9.70%0.09%0.75%94.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.97%
60th
Total risk-based capital0.00%
13th
Problem loans0.59%
44th
Net charge-offs0.05%
43rd
Return on assets1.54%
71st
Net interest margin3.19%
22nd
Efficiency ratio52.7%
69th
Loans to deposits83.4%
59th
Uninsured deposits35.7%
37th
Loan-loss reserves1.38%
78th
Texas ratio4.2%
44th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Greene County Commercial BankBank Catskill, NY73 out of 100, Strong$1.3B10.1%0.00%vs
Ballston Spa National BankBank Ballston Spa, NY55 out of 100, Moderate$1.4B8.7%0.23%vs
Ulster Savings BankBank Kingston, NY53 out of 100, Below average$1.4B9.8%1.54%vs
Solvay BankBank Solvay, NY67 out of 100, Moderate$1.2B9.5%0.11%vs
Rhinebeck BankBank Rhinebeck, NY69 out of 100, Moderate$1.5B10.9%0.38%vs
Pathfinder BankBank Oswego, NY42 out of 100, Below average$1.5B9.6%4.69%vs

Deposit insurance

Is my money safe at Genesee Regional Bank?

Yes. Genesee Regional Bank is an FDIC-insured institution (FDIC certificate #26333). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.7% of deposits ($383.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.97%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Genesee Regional Bank lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Genesee Regional Bank reported 2,133 home-loan applications under HMDA (LEI 549300VUQ4KD10YTTM53): 1,717 originated ($428,205,000 total), 111 denied, and 180 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Genesee Regional Bank
Former names
Lyndon Guaranty Bank of New York
Type
State-chartered bank
FDIC certificate #
26333
RSSD ID
852704
Primary regulator
FDIC
Holding company
Greater Rochester Bcorp Inc
Established
August 12, 1985
Headquarters
1850 Winton Rd S, Rochester, NY 14618
Employees
173

Quick answers

Genesee Regional Bank: common questions

Is Genesee Regional Bank FDIC insured?

Yes. Genesee Regional Bank is an FDIC-insured institution (FDIC certificate #26333). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Genesee Regional Bank's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Genesee Regional Bank ever failed?

There is no failure record for FDIC certificate #26333 in the FDIC failed bank list.

How many branches does Genesee Regional Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Rochester

InstitutionScoreAssetsCapitalProblem loansCompare
Finger Lakes Federal Credit UnionCredit union Geneva, NY96 out of 100, Very strong$259.5M15.1%0.10%vs
ESL Federal Credit UnionCredit union Rochester, NY90 out of 100, Very strong$10.8B16.4%0.90%vs
Le Roy Federal Credit UnionCredit union Le Roy, NY86 out of 100, Very strong$21.1M11.4%0.37%vs
Westside Community Federal Credit UnionCredit union Churchville, NY84 out of 100, Strong$25.7M11.0%0.00%vs
Greece Community Federal Credit UnionCredit union Rochester, NY83 out of 100, Strong$13.0M12.3%0.05%vs
Genesee Co-Op Federal Credit UnionCredit union Rochester, NY78 out of 100, Strong$47.5M23.4%1.55%vs