GENERATIONS BANK

SENECA FALLS, NY | Small | Est. May 21, 1870, midnight | FDIC #16040 | RSSD #442011 | OCC
Latest Report: 2025-12-31

GENERATIONS BANK is asn small FDIC-insured commercial bank headquartered in SENECA FALLS, NY, established in May 21, 1870, midnight. As of 2025-12-31, the bank reported total assets of $347M and total deposits of $298M. Profitability stands at -2.86% ROA and -31.09% ROE, with a net interest margin of 1.89%. The bank's CET1 capital ratio is 13.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.52% and a Texas Ratio of 11.95%. FDIC Certificate #16040.

Assets

$347M

Deposits

$298M

Loans

$270M

Equity

$32M

Profitability

Return on Assets (ROA) -2.86%
Return on Equity (ROE) -31.09%
Net Interest Margin (NIM) 1.89%
Yield on Assets 4.13%
Cost of Funds 2.27%

Asset Quality

NPL Ratio 1.52%
Net Charge-Off Ratio 0.44%
Texas Ratio 11.95%
NPA Ratio 1.18%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 13.06%
Tier 1 Capital 13.06%
Total Capital Ratio 14.17%
Leverage Ratio 9.17%
Loan-to-Deposit 90.53%

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