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Advertiser Disclosure
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Genoa Banking Company Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 6, 2026
Genoa Banking Company's 8-Month Forty-Eight Month CD rates are at 3.75%, 6-Month Thirty-Six Month CD rates are at 3.50%, 30-Month Thirty Month CD rates are at 3.40%, 4-Month Twenty-Four Month CD rates are at 3.25%, 12-Month Twelve Month CD rates are at 3.00%. Genoa Banking Company's savings rates are at 2.50%. Genoa Banking Company's checking rates are as high as 0.10%. Genoa Banking Company's Auto Loan Rates are as low as 6.922%. Genoa Banking Company's top CD rate of 4.25% APY on a 5 year CD is 45% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Genoa Banking Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.11%. Rates last updated and verified on 11/06/2026. Genoa Banking Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Genoa Banking Company? Share your experience about Genoa Banking Company by leaving a review below, or read customer reviews before you decide to use Genoa Banking Company. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Genoa Banking Company CD Rates
Genoa Banking Company Savings Rates
Genoa Banking Company Checking Rates
Genoa Banking Company Auto Loan Rates
Financial Health HistoryGenoa Banking Company’s Texas Ratio stayed near 0.31% in Q3 2023 to 0.11% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.8 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Genoa Banking Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Genoa Banking Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Genoa Banking Company's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Genoa Banking Company
Website
https://www.genoabank.com
Address
801 Main St,
Genoa, OH 43430 · Ottawa
Bank Holding Company
GENBANC INC
FDIC Certificate #
2285
Regulator
FED
Established
September 9, 1902
FDIC Insurance Date
January 1, 1934
Domestic Offices
9
Total Branches
9
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.11%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.8453%
Return on Equity (ROE)
11.5500%
Non-Performing Loans Ratio (NPL)
0.01%
Total Assets
$747,848,000
Total Deposits
$664,685,000
Equity Capital
$54,825,000
Net Income
$3,100,000
Headquarters
Genoa
Total Branches and Offices
9
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for Genoa Banking Company
Frequently Asked Questions About Genoa Banking CompanyDoes Genoa Banking Company offer CDs?Yes. Genoa Banking Company current CD rates include its 8-Month Forty-Eight Month CD at 3.75% APY, its 6-Month Thirty-Six Month CD at 3.50% APY and its 30-Month Thirty Month CD at 3.40% APY, verified by MonitorBankRates as of November 6, 2026. Are CDs from Genoa Banking Company FDIC insured?Yes. Genoa Banking Company is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Genoa Banking Company?The highest Genoa Banking Company CD rate is its 60-Month Sixty-Month CD Special at 4.25% APY, verified by MonitorBankRates as of November 6, 2026. What CD terms does Genoa Banking Company offer?Genoa Banking Company CD rates are 3.25% APY for a 4 month CD, 3.50% APY for a 6 month CD, 3.75% APY for an 8 month CD, 3.00% APY for a 12 month CD, 4.15% APY for an 18 month CD, 3.40% APY for a 30 month CD and 4.25% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Genoa Banking Company for its full lineup. What is the highest savings rate at Genoa Banking Company?The highest Genoa Banking Company savings rate is its GB120 Money-Mark Savings Account at 2.50% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest checking rate at Genoa Banking Company?The highest Genoa Banking Company checking rate is its Interest-Checking at 0.10% APY, verified by MonitorBankRates as of November 6, 2026. What is the lowest auto loan rate at Genoa Banking Company?The lowest Genoa Banking Company auto loan rate is its Auto Loan at 6.50%, verified by MonitorBankRates as of November 6, 2026. How many branches does Genoa Banking Company operate?Genoa Banking Company currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Genoa Banking Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Genoa Banking Company provides members with tools to manage their accounts and build a solid financial history. Does Genoa Banking Company offer online and mobile banking?Most modern institutions like Genoa Banking Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.genoabank.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Genoa Banking Company rates compare?Genoa Banking Company's top CD rate of 4.25% APY on a 5 year CD is 45% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. Genoa Banking Company's top rates are its 60-Months 60-Month Sixty-Month CD Special at 4.25% APY, its GB120 Money-Mark Savings Account at 2.50% APY, its Interest-Checking at 0.10% APY and its Auto Loan at 6.922% APR, verified by MonitorBankRates on November 6, 2026. Current Genoa Banking Company Rates
Retrieved from our database of financial products. Rates subject to change.
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