Genesis Bank is a state-chartered bank headquartered in Newport Beach, California. At the end of Q2 2026 it reported $340.3M in total assets and $292.4M in deposits, with 2 offices.
Genesis Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 91st. Loan quality contributes the most (99/100, 0.04%); earnings contributes the least (10/100, -0.24%).
TellerScore · Q2 2026
Scorecard
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 fell 19 points (77 → 58), mostly because the capital cushion component weakened by 40 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 67 |
| Q4 2024 | 66 |
| Q1 2025 | 71 |
| Q2 2025 | 77 |
| Q3 2025 | 56 |
| Q4 2025 | 64 |
| Q1 2026 | 62 |
| Q2 2026 | 58 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 21.17% |
| Q3 2024 | 21.33% |
| Q4 2024 | 21.52% |
| Q1 2025 | 21.05% |
| Q2 2025 | 15.34% |
| Q3 2025 | 9.55% |
| Q4 2025 | 10.77% |
| Q1 2026 | 10.84% |
| Q2 2026 | 11.01% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -3.55% |
| Q3 2024 | -3.27% |
| Q4 2024 | -3.30% |
| Q1 2025 | -3.57% |
| Q2 2025 | 0.50% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.02% |
| Q2 2026 | -0.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $340.3M | 11.01% | 0.04% | -0.24% | 88.1% |
| Q1 2026 | 62 | $405.5M | 10.84% | 0.07% | 0.02% | 73.3% |
| Q4 2025 | 64 | $415.3M | 10.77% | 0.08% | 0.29% | 73.3% |
| Q3 2025 | 56 | $418.7M | 9.55% | 0.14% | 0.06% | 79.8% |
| Q2 2025 | 77 | $481.2M | 15.34% | 0.19% | 0.50% | 69.3% |
| Q1 2025 | 71 | $241.6M | 21.05% | 0.00% | -3.57% | 71.7% |
| Q4 2024 | 66 | $184.9M | 21.52% | 0.00% | -3.30% | 104.3% |
| Q3 2024 | 67 | $197.3M | 21.33% | 0.00% | -3.27% | 99.0% |
| Q2 2024 | 66 | $190.7M | 21.17% | 0.00% | -3.55% | 104.7% |
2,650 peers · $100 million – $1 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).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Murphy BankBank Fresno, CA | 88 out of 100, Very strong | $357.2M | 14.9% | 0.39% | vs |
| Infinity BankBank Santa Ana, CA | 70 out of 100, Strong | $359.5M | 13.0% | 0.95% | vs |
| Bank IrvineBank Irvine, CA | 79 out of 100, Strong | $305.6M | 22.8% | 0.00% | vs |
| Monterey County BankBank Monterey, CA | 54 out of 100, Below average | $300.4M | 8.4% | 0.24% | vs |
| American Continental BankBank City Of Industry, CA | 87 out of 100, Very strong | $385.3M | 16.2% | 0.37% | vs |
| Universal BankBank West Covina, CA | 54 out of 100, Below average | $388.0M | 17.8% | 3.74% | vs |
Deposit insurance
Is my money safe at Genesis Bank?
Yes. Genesis Bank is an FDIC-insured institution (FDIC certificate #59245). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 60.4% of deposits ($176.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.38% (benchmark: 10%).
2 locations
Branches
Genesis Bank lists 2 offices in 2 cities. Most locations:
Identity & history
Profile
- Legal name
- Genesis Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59245
- RSSD ID
- 5620869
- Primary regulator
- FDIC
- Established
- August 2, 2021
- Headquarters
- 4675 Macarthur Ct, Newport Beach, CA 92660
- Website
- www.mygenesisbank.com
- Employees
- 50
Quick answers
Genesis Bank: common questions
Is Genesis Bank FDIC insured?
Yes. Genesis Bank is an FDIC-insured institution (FDIC certificate #59245). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Genesis Bank's TellerScore?
58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Genesis Bank ever failed?
There is no failure record for FDIC certificate #59245 in the FDIC failed bank list.
How many branches does Genesis Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Newport Beach
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Capital Bank and Trust CompanyBank Irvine, CA | 94 out of 100, Very strong | $266.1M | 79.3% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Long Beach Firemen S Credit UnionCredit union Long Beach, CA | 91 out of 100, Very strong | $201.5M | 29.4% | 0.02% | vs |
| Santa Ana Federal Credit UnionCredit union Santa Ana, CA | 90 out of 100, Very strong | $111.6M | 13.5% | 0.06% | vs |
| California International Bank, N.A.Bank Westminster, CA | 89 out of 100, Very strong | $120.9M | 13.5% | 0.00% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |