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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Genoa, NE · FDIC certificate #5408
GENOA COMMUNITY BANK is an FDIC-insured institution based in Genoa, NE (FDIC certificate #5408). In its Q3 2026 Call Report it reported total assets of $73M, total deposits of $59M and net loans of $49M. Its primary federal regulator is FDIC.
Plain-language readout
GENOA COMMUNITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $73M in Q3 2026 and were lowest at $70M in Q2 2026.
Total deposits were highest at $60M in Q1 2026 and lowest at $59M in Q3 2026.
Over the whole period total assets rose 4.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $73M | $59M | $49M | 1.54% | 13.10% | 4.33% |
| Q2 2026 | $70M | $60M | $46M | 1.52% | 12.73% | 4.33% |
| Q1 2026 | $70M | $60M | $48M | 1.32% | 11.15% | 4.25% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $1.6M | $2.3M | -$734K | -31.2% |
| Federal funds sold | $0K | $1.5M | -$1.5M | -100.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $18.3M | $13.6M | +$4.8M | +35.2% |
| Equity securities with readily determinable fair values, not held for trading | $75K | $56K | +$19K | +33.9% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $45.6M | $47.9M | -$2.3M | -4.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $246K | $243K | +$3K | +1.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.6M | $4.9M | -$266K | -5.4% |
| Total assets | $70.5M | $70.5M | -$33K | -0.0% |
| Liabilities | ||||
| Total deposits | $59.7M | $60.1M | -$393K | -0.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $1.2M | $1.2M | -$20K | -1.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $988K | $896K | +$92K | +10.3% |
| Total liabilities | $61.8M | $62.2M | -$321K | -0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $109K | $109K | $0K | 0.0% |
| Surplus | $8.0M | $8.0M | $0K | 0.0% |
| Retained earnings | $1.2M | $1.0M | +$149K | +14.7% |
| Accumulated other comprehensive income | -$657K | -$796K | +$139K | +17.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $8.6M | $8.3M | +$288K | +3.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $9.2M | $8.9M | +$314K | +3.5% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 18.04% | 16.27% | +1.76 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 18.04% | 16.27% | +1.76 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.12% | 0.98% | +0.14 pts | See points |
| Total risk-based capital to risk-weighted assets | 19.16% | 17.26% | +1.90 pts | See points |
| Tier 1 leverage (approximate) | 12.92% | 13.02% | -0.10 pts | See points |
| Construction and land loans to total capital | 8.67% | 6.55% | +2.12 pts | See points |
| Commercial real estate to total capital | 56.45% | 55.98% | +0.47 pts | See points |
| Dividend payout, year to date | 50.56% | 50.00% | +0.56 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.09% | -8.72% | +1.64 pts | See points |
| Liquidity | ||||
| Core deposits | $53.7M | $54.1M | -$394K | -0.7% |
| Non-core funding | $7.1M | $7.1M | -$19K | -0.3% |
| Loans to core deposits | 85.86% | 89.47% | -3.61 pts | See points |
| Loans to deposits | 77.32% | 80.63% | -3.31 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 58.42% | 70.84% | -12.42 pts | See points |
| Loans pledged, share of loans | 45.26% | 44.01% | +1.26 pts | See points |
| Volatile liabilities | $7.1M | $7.1M | -$19K | -0.3% |
| Earnings | ||||
| Earnings before provision, year to date | $559K | $248K | +$311K | +125.4% |
| Earnings before provision, single quarter | $311K | $248K | +$63K | +25.4% |
| Provision for credit losses, year to date | $32K | $6K | +$26K | +433.3% |
| Yield and cost | ||||
| Yield on loans and leases | 7.72% | 7.53% | +0.19 pts | See points |
| Yield on interest-bearing balances due from banks | 418.18% | 121.74% | +296.44 pts | See points |
| Total interest income to average assets | 5.76% | 5.73% | +0.03 pts | See points |
| Cost of interest-bearing transaction accounts | 0.57% | 0.55% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.79% | 1.76% | +0.03 pts | See points |
| Cost of time deposits | 3.55% | 3.52% | +0.02 pts | See points |
| Total interest expense to average assets | 1.77% | 1.80% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $73M | $59M | $49M | 1.54% | 13.10% | 4.33% |
| 2026-06-30 | $70M | $60M | $46M | 1.52% | 12.73% | 4.33% |
| 2026-03-31 | $70M | $60M | $48M | 1.32% | 11.15% | 4.25% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $59.9M | 0.06% | 130 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.