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Genesee Regional Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
0.75%5-year CD60 Month CD
0.40%1-year CD12 - 17 Month CD
0.10%SavingsStatement Savings

Overview / Commentary
585-249-1540
1850 South Winton Rd
Rochester, NY 14618

Genesee Regional Bank is headquartered in Rochester and is the 187th largest bank in the state of New York. It is also the 7,191st largest bank in the nation. It was established in 1985 and as of September of 2003, it had grown to 21 employees at 4 locations. Genesee Regional Bank's money market rates are 59% higher than the national average, and it has a C+ health rating.

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Health
C+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Genesee Regional Bank has a low asset base.

Health Grade Components

Overall
FDIC Certificate #26333
Year Established1985
Employees21
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.94%
Return on Equity - YTD-8.94%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ3 2003vs Q3 2002$46.8MM$45.3MM
LoansQ3 2003vs Q3 2002$30.0MM$33.4MM
DepositsQ3 2003vs Q3 2002$42.2MM$40.1MM
Equity CapitalQ3 2003vs Q3 2002$4.5MM$5.1MM
Loan Loss AllowanceQ3 2003vs Q3 2002$1.5MM$1.7MM
Unbacked Noncurrent LoansQ3 2003vs Q3 2002$3.4MM$5.4MM
Real Estate OwnedQ3 2003vs Q3 2002$310.00K$431.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Genesee Regional Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$25k*-Health Savings Account
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $10k | 0.20% $10k - $25k
0.10%$100-Statement Savings
0.10%$25-Statement Junior Savings

Genesee Regional Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%--Elite Money Market
0.55%*$50k*-Money Market Account
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k | 0.25% $25k - $50k

Genesee Regional Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-Elite Checking
OTHER TIERS: 0.10% Up to $10k | 0.25% $10k - $50k | 0.45% $50k - $100k
0.10%$2,500-Business Checking with Interest
0.10%$1k-NOW Checking Account
0.10%$50-College Checking

Genesee Regional Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%$500-36 Month Variable CD
1.05%$500-36 Month Variable Elite CD
1.00%$500-60 Month Elite CD
0.95%$500-48 - 59 Month Elite CD
0.90%$500-36 - 47 Month Elite CD
0.85%$500-30 - 35 Month Elite CD
0.75%$500-60 Month CD
0.75%$500-24 - 29 Month Elite CD
0.70%$500-48 - 59 Month CD
0.70%$500-24 Month Variable CD
0.70%$500-18 - 23 Month Elite CD
0.70%$500-24 Month Variable Elite CD
0.65%$500-36 - 47 Month CD
0.65%$500-12 - 17 Month Elite CD
0.60%$500-30 - 35 Month CD
0.55%$500-6 - 11 Month Elite CD
0.50%$500-24 - 29 Month CD
0.50%$500-7 - 31 Day Elite CD
0.50%$500-32 - 150 Day Elite CD
0.45%$500-18 - 23 Month CD
0.40%$500-12 - 17 Month CD
0.30%$500-6 - 11 Month CD
0.25%$500-7 - 31 Day CD
0.25%$500-32 - 150 Day CD
Locations


Genesee Regional Bank Locations
Linden Oaks Branch3380 Monroe AveRochester, NY 14618
Greece Branch2300 West Ridge RoadRochester, NY 14626
Genesee Regional Bank1850 South Winton RdRochester, NY 14618