Bank · FDIC insured
Genesee Regional Bank
A $1.3B bank headquartered in Rochester, NY, with 3 branches in New York. Best rates: savings 0.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.75%Needs another account or monthly activityCD rates →
- Savings730.55%0.65% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Genesee Regional Bank
Genesee Regional Bank proudly serves communities across Western and Central New York.
- Headquarters
- 1850 Winton Rd S, Rochester, NY 14618
- FDIC certificate
- 26333 ↗
Branches
3 branches in New York
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New York
3 branches
- Genesee Regional BankMain office1850 Winton Rd S, Rochester, NY 14618Directions
- Greece Branch4180 W Ridge Rd, Rochester, NY 14626Directions
- Pittsford Branch3380 Monroe Ave, Rochester, NY 14618Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.97% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.59% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.54% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $85 | $88 | — |
- CapitalLeverage ratio10.97%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.59%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.54%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$85Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Genesee Regional Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.