GENERATIONS BANK

EXETER, NE | Micro | Est. Jan. 1, 1934, midnight | FDIC #14096 | RSSD #1016558 | FDIC
Latest Report: 2025-12-31

GENERATIONS BANK is amn micro FDIC-insured commercial bank headquartered in EXETER, NE, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $62M and total deposits of $48M. Profitability stands at 0.78% ROA and 7.91% ROE, with a net interest margin of 3.85%. The bank's CET1 capital ratio is 8.08%. Asset quality metrics show a non-performing loan ratio of 0.98% and a Texas Ratio of 7.04%. FDIC Certificate #14096.

Assets

$62M

Deposits

$48M

Loans

$47M

Equity

$6M

Profitability

Return on Assets (ROA) 0.78%
Return on Equity (ROE) 7.91%
Net Interest Margin (NIM) 3.85%
Yield on Assets 6.28%
Cost of Funds 2.99%

Asset Quality

NPL Ratio 0.98%
Net Charge-Off Ratio -0.02%
Texas Ratio 7.04%
NPA Ratio 0.74%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 8.08%
Tier 1 Capital 8.08%
Total Capital Ratio 8.48%
Leverage Ratio 9.95%
Loan-to-Deposit 97.17%

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