Generations Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Generations Bank of Exeter, NE against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Ahead of the peer average, behind the median peer. | 0.97% | 0.85% | +0.12% | 44th below |
| ROAE | 9.42% | 5.23% | +4.19% | 54th above |
| Net Interest Margin | 3.72% | 3.94% | -0.22% | 41st below |
| Efficiency Ratio | 66.26% | 76.13% | -9.87% | 58th above |
| PPNR / Avg Assets | 1.31% | — | — | 53rd above |
| Yield on Earning Assets | 5.90% | 5.42% | +0.48% | 73rd above |
| Cost of Funds | 2.57% | 1.69% | +0.88% | 14th bottom |
| Net Interest Spread | 2.98% | — | — | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.90% | 1.23% | +0.67% | 21st bottom |
| NPA / Total Assets | 1.44% | — | — | 15th bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.53% | — | — | 69th above |
| ACL / NPLs (Coverage) | 80.55% | — | — | 37th below |
| Texas Ratio | 13.24% | 7.23% | +6.01% | 12th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.58% | 14.13% | -3.55% | 23rd bottom |
| Equity / Assets | 10.49% | 13.07% | -2.58% | 30th below |
| TCE / Tangible Assets | 9.78% | — | — | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.13% | 68.58% | +25.55% | 14th bottom |
| Core Deposit Ratio | 85.73% | 88.79% | -3.06% | 27th below |
| Wholesale Funding Ratio | 8.70% | — | — | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.81% | — | — | 70th above |
| Loan Growth (Y/Y) | 9.04% | — | — | 74th above |
| Deposit Growth (Y/Y) | 0.05% | — | — | 37th below |
See Generations Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Generations Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Generations Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Generations Bank peer analysis.