4730 South Fort Apache Road, Suite 180
Las Vegas, NV 89147
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Notable Rates APY Vs.Others
Savings 0.10% 1.65% →
1-Year CD 0.50% 2.02% →
2-Year CD 0.50% 3.00% →
5-Year CD N.A. 3.50% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

GenuBank is an FDIC insured institution located in Las Vegas, NV. It was founded in 2008 and has approximately $0.16 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 58806
Date Established 2008
Assets $ 158.79 million
Loans $ 62.55 million
Deposits $ 124.85 million
Capital $ 33.74 million

For a more detailed analysis of GenuBank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 30, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.20% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.20% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.20% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - June 30, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for GenuBank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 2890
License#: 413-0477
5.475% 5.375%
0.75 points
$2,795 fees
$1,400 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

Note to GenuBank
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GenuBank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

GenuBank Locations

Climate Initiatives

GenuBank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

GenuBank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of GenuBank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
GenuBank U.S. Bank Average
0.13% 3.95%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2021, GenuBank had $44,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $33,735,000 in equity and $354,000 in loans loss reserves. That gives it a Texas Ratio of 0.13%.

Return on Equity
GenuBank U.S. Bank Average
0.7% 10.50%

GenuBank has a Return on Equity of 0.7% versus the BestCashCow average of 10.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

GenuBank U.S. Bank Average
21.24% 11.55%

GenuBank has a Capitalization of 21.24% versus the BestCashCow average of 11.55. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

GenuBank Balance Sheet Analysis

As of December 31, 2021, GenuBank had assets of $158,793,000, loans of $62,547,000, and deposits of $124,846,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2021
Cash & Balances due from depository institutions $ 83.43 million
Interest-bearing balances $ 81.89 million
Total securities N.A.
Federal funds sold and reverse repurchase $ 3.76 million
Net loans and leases $ 62.55 million
Loan loss allowance $ 0.35 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 7.35 million
All other assets $ 1.37 million
     Total Assets $ 125.06 million
Total deposits $ 124.85 million
      Interest-bearing deposits $ 64.60 million
      Deposits held in domestic offices $ 124.85 million
      % insured (estimated) 46.27%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.21 million
      Total Liabilities $ 125.06 million
      Shareholders’ Equity $ 33.74 million

Summary Income Statement

December 31, 2021
Total Interest Income $ 4.16 million
Total Interest Expense $ 0.29 million
Net interest income $ 3.88 million
Provision for loan and lease losses $ 0.05 million
Total non interest income $ 0.02 million
Total non interest expense $ 3.65 million
Pre-tax Net Operating Income $ 0.21 million

Bank Loan Profile?

The top three loan types in GenuBank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in Nevada, GenuBank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 6.36
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 18.08
Construction and Development Loans 0.98
Commercial Real Estate 67.80
Commercial and Industrial Loans 19.82
Farm Loans 0.00

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