Generations Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1.88 percentage points higher than in Q1 2026, at 80.55%. Generations Bank ranks 110th of 138 Nebraska banks on return on assets, in the lower half at 0.97% (Q2 2026). The median for banks in the < $100M asset tier is 1.00% on return on assets. Generations Bank sits 0.03 points lower, at 0.97% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.58% |
| Equity capital to assets | 10.49% |
| Tangible equity to tangible assets | 9.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.90% |
| Non-performing assets ratio | 1.44% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 13.24% |
| Allowance for credit losses to loans | 1.53% |
| Reserve coverage of non-performing loans | 80.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.97% |
| Return on equity | 9.42% |
| Net interest margin | 3.72% |
| Efficiency ratio | 66.26% |
| Yield on earning assets | 5.90% |
| Cost of funds | 2.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.13% |
| Core deposits to total deposits | 85.73% |
| Brokered deposits to total deposits | 6.39% |
| Deposits to assets | 80.36% |
| Securities to assets | 17.66% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.13% | 0.85% | 3.57% | 0.44% | 0.00% |
| Q4 2023 | 9.47% | 0.45% | 3.45% | 0.36% | 0.00% |
| Q1 2024 | 9.11% | 0.91% | 3.76% | 1.65% | 0.34% |
| Q2 2024 | 9.26% | 1.01% | 3.76% | 1.75% | 0.00% |
| Q3 2024 | 9.18% | 0.76% | 3.81% | 1.62% | 0.94% |
| Q4 2024 | 9.00% | 0.17% | 3.37% | 0.07% | 0.41% |
| Q1 2025 | 9.02% | 0.56% | 3.64% | 0.36% | 0.00% |
| Q2 2025 | 10.89% | 0.99% | 3.86% | 0.18% | 0.00% |
| Q3 2025 | 10.79% | 1.14% | 4.03% | 1.58% | -0.09% |
| Q4 2025 | 9.95% | 0.79% | 3.74% | 0.98% | 0.00% |
| Q1 2026 | 10.18% | 0.67% | 3.60% | 1.85% | 0.00% |
| Q2 2026 | 10.58% | 0.97% | 3.72% | 1.90% | 0.00% |
Generations Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Generations Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Generations Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14096) · FFIEC NIC profile (RSSD 1016558)