Generations Bank (Rogers, AR)
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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 Rogers, AR, established in 1907 (FDIC certificate 88), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.09B, up 6.7% from Q2 2025, the 23rd largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 11.71% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 88
- Headquarters
- Rogers, AR
- Established
- 1907
- Total assets, Q2 2026
- $1.09B
- Assets vs Q2 2025
- +6.7%
- CET1 ratio, Q2 2026
- 11.71%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 082902320
- Holding company
- HARRELL BANCSHARES, INC.
- Asset rank in state
- 23rd of 78 in Arkansas
Generations Bank pays more for its money than most banks of its size. The Rogers, Arkansas bank had $1.1 billion in assets at June 30, 2026, up 6.7% from a year earlier. It pays an average of 2.78% on its deposits and borrowings, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also carries problem assets equal to 9.4% of the capital and reserves that would absorb them, 2.6 times the median of 3.6% for banks its size.
Net income for the quarter rose 19% from a year earlier, to $3.5 million. The non-owner-occupied commercial real estate book ($145 million) is worsening: 3.70% of it is past due or on nonaccrual, up from 2.94% a year earlier. Where it has less room is capital: it holds common equity equal to 11.71% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
As of June 30, 2026, Generations Bank reported a CET1 capital ratio of 11.71%, a return on assets of 1.26%, a nonperforming-loan ratio of 1.51% and a Texas ratio of 9.38%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Generations Bank is the 23rd largest of the 78 banks headquartered in Arkansas. From Q1 2026 to Q2 2026, its total assets rose 1.8% to $1.09B, loans rose 2.1% and deposits rose 2.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 26.7% of total loans, ahead of construction and land development loans at 21.5%. Its 11 offices in the FDIC Summary of Deposits are in 9 cities across 2 states; its Rogers 2 offices book 41% of its branch deposits. On its Q2 2026 call report, Generations Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3503 S 55th St, Rogers, AR 72758
- County
- Benton
- Metro Area
- Fayetteville-Springdale-Rogers, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 8, 1907
- Former names
- First Bank (2010-2016)
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 140
- Domestic deposits
- $935.6M
- Allowance for credit losses
- $7.0M
- Net charge-offs (YTD)
- $4.9M
- Average total assets
- $1.10B
- Average total loans
- $772.3M
- Average interest-bearing deposits
- $761.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 88
- Fed RSSD
- 329345
- SEC CIK
- 1675024 → filed by HARRELL BANCSHARES, INC.
- Website
- www.mygenerations.bank →
- Parent Holding Company
- HARRELL BANCSHARES, INC. (RSSD 2352196)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Generations Bank's total assets moved between a low of $867.0M (Q3 2023) and a high of $1.09B (Q2 2026) from Q3 2023 to Q2 2026, 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
$1.09B total assets against $1.02B; $968.2M total liabilities against $923.4M.
$759.6M net loans and leases against $692.6M; $935.6M total deposits against $878.0M.
$231.3M securities against $238.2M; $34.0M cash and balances due against $28.2M.
$17.3M total interest income against $16.1M; $6.5M total interest expense against $6.8M.
$10.9M net interest income against $9.3M.
$2.1M total noninterest income against $1.4M; $7.3M total noninterest expense against $6.5M.
$1.3M provision for credit losses against $400K.
$3.5M net income against $2.9M.
1.26% return on assets against 1.15%; 4.20% net interest margin against 3.87%.
11.71% CET1 capital ratio against 12.38%; 11.51% tier 1 leverage ratio against 10.61%.
Inside the full Generations Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Generations Bank rankings
Its closest position to the top of a national ranking is 693 of 3,640, for Texas Ratio; its furthest is 1,804 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.94% (Q4 2025) to 1.26% (Q3 2024) and its net interest margin ran from 3.75% (Q3 2024) to 4.20% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.71% | 1.26% | 1.51% | 9.38% | 4.20% |
| Q1 2026 | 14.12% | 1.10% | 2.29% | 14.09% | 4.01% |
| Q4 2025 | 13.31% | 0.94% | 1.39% | 8.67% | 4.15% |
| Q3 2025 | 12.58% | 1.26% | 1.34% | 9.20% | 3.99% |
| Q2 2025 | 12.38% | 1.15% | 1.34% | 9.15% | 3.87% |
| Q1 2025 | 13.96% | 1.14% | 1.89% | 12.83% | 3.79% |
| Q4 2024 | 13.49% | 1.19% | 0.82% | 5.56% | 3.85% |
| Q3 2024 | 13.74% | 1.26% | 0.08% | 0.57% | 3.75% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → 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) | Rogers , AR | 72758 | $385.1M |
| Siloam Springs Branch | Siloam Springs , AR | 72761 | $135.0M |
| Camden Operations Branch | Camden , AR | 71701 | $103.3M |
| Fayetteville Branch | Fayetteville , AR | 72703 | $77.5M |
| Van Buren | Van Buren , AR | 72956 | $69.9M |
| Hampton Branch | Hampton , AR | 71744 | $62.5M |
| Junction City Branch | Junction City , AR | 71749 | $44.2M |
| Kimberling City Branch | Kimberling City , MO | 65686 | $35.1M |
| Bentonville Branch | Bentonville , AR | 72713 | $21.9M |
| Rogers Uptown Branch | Rogers , AR | 72758 | $968K |
| Washington Branch | Camden , AR | 71701 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 3, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2014 | Structure Change | Acquired First Community Bank of Crawford County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 6, 2005 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in AR, rank 28 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 590 applications, 440 loans originated, $175.7M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $205K approved, $205K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $1.09 billion in its FFIEC call report.
Where is Generations Bank headquartered?
It is headquartered in Rogers, AR, United States.
When was Generations Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Generations Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #88). 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 Federal Reserve.
What is Generations Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.71% in its Q2 2026 call report, above regulatory requirements.
How many branches does Generations Bank operate?
It operates 12 domestic offices, 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 9.38% 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.
What was Generations Bank previously called?
The charter now named Generations Bank has also operated as First Bank (2010-2016), per FDIC structure-change records.
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