Genesee Regional Bank
Genesee Regional Bank is an FDIC insured institution headquartered at
1850 Winton Rd S, Rochester, NY 14618.
It was founded in
1985 and has approximately $1 billion in assets. Customers can open an account at one of its 3 branches.
Deposit Rates - November 03, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.10% | $100 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
3 Mo CD
|
2.50% | $500 | Compare |
|
6 Mo CD
|
2.75% | $500 | Compare |
|
12 Mo CD
|
2.25% | $500 | Compare |
|
18 Mo CD
|
2.25% | $500 | Compare |
|
24 Mo CD
|
2.25% | $500 | Compare |
|
30 Mo CD
|
2.25% | $500 | Compare |
|
36 Mo CD
|
2.25% | $500 | Compare |
|
48 Mo CD
|
2.25% | $500 | Compare |
|
60 Mo CD
|
2.25% | $500 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.25% | $2,500 | Compare |
|
Money Market
|
0.45% | $50,000 | Compare |
|
Money Market
|
0.55% | $100,000 | Compare |
|
Money Market
|
0.80% | $250,000 | Compare |
|
Money Market
|
1.00% | $500,000 | Compare |
|
Money Market
|
1.00% | $5,000,000 | Compare |
Loan Rates - November 03, 2025
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
5.75% | Varies | ||
Compare with 6.95 RATE Line of Credit from Figure Home Equity
|
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Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan
|
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Compare with 7.25 RATE Line of Credit from Four Leaf Federal Credit Union
|
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Compare with RATE Line of Credit from PenFed Credit Union
|
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| AUTO LOAN RATES | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
3 Year
|
5.50% | $754.90 |
|
4 Year
|
5.75% | $584.26 |
|
5 Year
|
6.00% | $483.32 |
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 26333 |
| Date Established | 1985 |
| Assets | $ 1,282.29 million |
| Loans | $ 894.51 million |
| Deposits | $ 979.59 million |
| Capital | $ 105.32 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 124.01 million |
| Interest-bearing balances | $ 105.65 million |
| Total securities | $ 197.69 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 894.51 million |
| Loan loss allowance | $ 11.77 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 3.28 million |
| All other assets | $ 50.94 million |
| Total Assets | $ 1,176.97 million |
| LIABILITIES | |
| Total deposits | $ 979.59 million |
| Interest-bearing deposits | $ 794.75 million |
| Deposits held in domestic offices | $ 979.59 million |
| % insured (estimated)" | 65.40% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 6.22 millionn |
| Total Liabilities | $ 1,176.97 million |
| Shareholders’ Equity | $ 105.32 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 33.13 million |
| Total Interest Expense | $ 16.12 million |
| Net interest income | $ 17.01 million |
| Provision for loan and lease losses | $ 0.98 million |
| Total non interest income | $ 7.32 million |
| Total non interest expense | $ 14.07 million |
| Pre-tax Net Operating Income | $ 10.73 million |
Customer Reviews for Genesee Regional Bank
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