Genesis Bank

Newport Beach, CaliforniaFDIC Cert #59245

STATEEstablished 20213 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$40.6M
Investor CRE	$28.6M
Multifamily	$169M
Construction	$0
1–4 family	$13.9M
C&I	$12.2M
Agriculture	$0
Other	$0

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$265M

+91.7%y/y

Percentile by value28th percentileby value

FDICLNLSGR

Net loans

$261M

+91.6%y/y

Percentile by value28th percentileby value

FDICLNLSNET

Loans YoY

+91.60%

+2,051.3%y/y

Percentile by value100th percentileby value

FDICLNLSNET

L/D

73.3%

+2.2%y/y

Percentile by value34th percentileby value

FDICLNLSNET + DEP

Loans/assets

64.4%

+14.1%y/y

Percentile by value37th percentileby value

FDICLNLSNET + ASSET

RE loans %

95.45%

−4.0%y/y

Percentile by value82nd percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

442%

+60.1%y/y

Percentile by value98th percentileby value

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Percentile by value0th percentileby value

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

4,495points

−39.2%y/y

Peer standing6th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

15.34%

+4.6%y/y

Percentile by value65th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

10.79%

Percentile by value39th percentileby value

FDICLNRENROT + LNLSGR

C&I %

4.63%

+684.3%y/y

Percentile by value19th percentileby value

FDICLNCI + LNLSGR