Generations Bank (Exeter, NE)
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Data as of · sourced from FFIEC call reports. How we update
Generations Bank is an FDIC-insured commercial bank headquartered in Exeter, NE, established in 1934 (FDIC certificate 14096), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $58.3M, up 6.8% from Q2 2025, the 126th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.58% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14096
- Headquarters
- Exeter, NE
- Established
- 1934
- Total assets, Q2 2026
- $58.3M
- Assets vs Q2 2025
- +6.8%
- Tier 1 leverage ratio, Q2 2026
- 10.58%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104902800
- Holding company
- EMSWATER FINANCIAL, LLC
- Asset rank in state
- 126th of 138 in Nebraska
Problem loans are rising at Generations Bank. Based in Exeter, Nebraska, it had $58 million in assets at June 30, 2026, up 6.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.90% of loans from 0.18% a year earlier. It carries problem assets equal to 13.2% of the capital and reserves that would absorb them, 9.6 times the median of 1.4% for the 583 banks with less than $100 million in assets. It also pays an average of 2.57% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
Loans are outrunning deposits: over the year loans rose 9.0% and deposits rose 0.1%. Its $5.9 million commercial and industrial book is improving, with 7.72% past due or on nonaccrual, down from 9.12% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 0.9 times its capital, about triple the median of 26% for banks its size.
As of June 30, 2026, Generations Bank reported a return on assets of 0.97%, a nonperforming-loan ratio of 1.90% and a Texas ratio of 13.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Generations Bank is the 126th largest of the 138 banks headquartered in Nebraska. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.1% to $58.3M, loans fell 2.7% and deposits fell 3.0%. 1-4 family residential loans made up 29.4% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 20.9%. The FDIC Summary of Deposits lists a single office for it, in Exeter, NE. By the capital ratios in its Q2 2026 call report, Generations Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 139 S Exeter Ave, Exeter, NE 68351
- County
- Fillmore
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $46.8M
- Allowance for credit losses
- $675K
- Net charge-offs (YTD)
- $0
- Average total assets
- $58.6M
- Average total loans
- $44.6M
- Average interest-bearing deposits
- $36.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 21, 1934
- FDIC Cert
- 14096
- Fed RSSD
- 1016558
- SEC CIK
- 1508137 → filed by GLAASS FINANCIAL, LLC
- Website
- generations.bank →
- Parent Holding Company
- EMSWATER FINANCIAL, LLC (RSSD 4195294)
- Ultimate Parent
- GLAASS FINANCIAL, LLC (RSSD 4195285)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Generations Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Generations Bank's total assets ran between $47.4M (Q3 2023) and $62.2M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$58.3M total assets against $54.6M; $52.2M total liabilities against $48.8M.
$43.4M net loans and leases against $39.8M; $46.8M total deposits against $46.8M.
$10.3M securities against $10.9M; $1.1M cash and balances due against $899K.
$824K total interest income against $774K; $306K total interest expense against $275K.
$518K net interest income against $499K.
$61K total noninterest income against $56K; $387K total noninterest expense against $372K.
$15K provision for credit losses against $13K.
$142K net income against $135K.
0.97% return on assets against 0.99%; 3.72% net interest margin against 3.86%.
10.58% tier 1 leverage ratio against 10.89%.
Inside the full Generations Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.17% (Q4 2024) to 1.14% (Q3 2025) and its net interest margin ran from 3.37% (Q4 2024) to 4.03% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.58% | 0.97% | 1.90% | 13.24% | 3.72% |
| Q1 2026 | 10.18% | 0.67% | 1.85% | 13.65% | 3.60% |
| Q4 2025 | 9.95% | 0.79% | 0.98% | 7.57% | 3.74% |
| Q3 2025 | 10.79% | 1.14% | 1.58% | 11.14% | 4.03% |
| Q2 2025 | 10.89% | 0.99% | 0.18% | 1.21% | 3.86% |
| Q1 2025 | 9.02% | 0.56% | 0.36% | 2.95% | 3.64% |
| Q4 2024 | 9.00% | 0.17% | 0.07% | 0.63% | 3.37% |
| Q3 2024 | 9.18% | 0.76% | 1.62% | 12.92% | 3.81% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Generations Bank (main office) | Exeter , NE | 68351 | $46.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 142 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $65K approved, $65K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Generations Bank
What are Generations Bank's total assets?
As of the Q2 2026 filing, Generations Bank reported total assets of $58.3 million in its FFIEC call report.
Where is Generations Bank headquartered?
It is headquartered in Exeter, NE, United States.
When was Generations Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Generations Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14096). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Generations Bank?
Generations Bank's primary federal regulator is the FDIC.
How many branches does Generations Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Generations Bank's Texas Ratio?
Its Texas Ratio is 13.24% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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