Generations Bank (Seneca Falls, NY)
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Data as of · sourced from FFIEC call reports. How we update
Generations Bank is an FDIC-insured savings institution headquartered in Seneca Falls, NY, established in 1870 (FDIC certificate 16040), and it is supervised by the OCC. At Q4 2025 it reported total assets of $347.1M, down 10.1% from Q4 2024. Its CET1 capital ratio was 13.06% at Q4 2025, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 16040
- Headquarters
- Seneca Falls, NY
- Established
- 1870
- Total assets, Q4 2025
- $347.1M
- Assets vs Q4 2024
- -10.1%
- CET1 ratio, Q4 2025
- 13.06%
- Domestic offices
- 11 FDIC institution directory, current count
Problem loans are rising at Generations Bank. It reported $347 million in assets at December 31, 2025, down 10.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.47% of loans from 1.16% a year earlier. It loses about $2.86 a year on every $100 of assets, lower than about 9 in 10 of the 2,725 banks with $100 million to $1 billion in assets (median $1.13). It also keeps 1.94 cents of net interest income on every dollar of earning assets, about half the median of 3.89 cents for banks its size.
It lost $2.5 million in the quarter. Credit is the area to watch: it carries problem assets equal to 11.5% of the capital and reserves that would absorb them, 4.8 times the median of 2.4% for banks its size.
As of December 31, 2025, Generations Bank reported a CET1 capital ratio of 13.06%, a return on assets of -2.86%, a nonperforming-loan ratio of 1.52% and a Texas ratio of 11.53%. The figures come from its call report filed with the FFIEC.
From Q3 2025 to Q4 2025, its total assets fell 2.5% to $347.1M, loans fell 3.9% and deposits fell 1.7%. Its loan book on December 31, 2025 was led by 1-4 family residential loans, at 63.9% of total loans, followed by other consumer loans at 25.1%. The FDIC Summary of Deposits lists 9 offices for it, in 8 cities in NY; its Seneca Falls office books 29% of its branch deposits. By the capital ratios in its Q4 2025 call report, Generations Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 19 Cayuga St, Seneca Falls, NY 13148
- County
- Seneca
- Metro Area
- Seneca Falls, NY
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 21, 1870
- Former names
- Seneca Falls Savings Bank (2006-2012); The Seneca Falls Savings Bank (1977-2006)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $297.8M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $351.2M
- Average total loans
- $275.7M
- Average interest-bearing deposits
- $252.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 16040
- Fed RSSD
- 442011
Profitability
Q4 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q4 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 $347.1M (Q4 2025) and a high of $423.0M (Q4 2023) from Q1 2023 to Q4 2025, and it posted no profit in any of the 12 quarters. The line under each chart compares Q4 2025 with Q4 2024. How these charts are built
$347.1M total assets against $386.3M; $315.6M total liabilities against $353.5M.
$266.9M net loans and leases against $307.5M; $297.8M total deposits against $331.9M.
$26.2M securities against $25.8M; $18.3M cash and balances due against $12.7M.
$3.3M total interest income against $4.1M; $1.8M total interest expense against $2.4M.
$1.5M net interest income against $1.7M.
-$106K total noninterest income against $336K; $3.7M total noninterest expense against $3.3M.
$249K provision for credit losses against $440K.
-$2.5M net income against -$2.4M.
-2.86% return on assets against -2.49%; 1.94% net interest margin against 1.90%.
13.06% CET1 capital ratio against 12.28%; 9.17% tier 1 leverage ratio against 8.93%.
Inside the full Generations Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBanks merged into Generations Bank
- Generations Commercial Bank, effective December 15, 2025
Quarterly trend: last 8 quarters
From Q1 2024 to Q4 2025, its return on assets ran from -2.86% (Q4 2025) to -0.34% (Q3 2025) and its net interest margin ran from 1.90% (Q4 2024) to 2.32% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q4 2025 | 13.06% | -2.86% | 1.52% | 11.53% | 1.94% |
| Q3 2025 | 13.24% | -0.34% | 1.07% | 8.14% | 2.32% |
| Q2 2025 | 12.85% | -0.61% | 1.13% | 9.43% | 2.17% |
| Q1 2025 | 12.90% | -0.97% | 1.02% | 8.34% | 2.20% |
| Q4 2024 | 12.28% | -2.49% | 1.22% | 10.28% | 1.90% |
| Q3 2024 | 13.08% | -0.84% | 1.12% | 9.49% | 1.92% |
| Q2 2024 | 13.02% | -0.83% | 0.97% | 8.08% | 2.07% |
| Q1 2024 | 12.96% | -0.55% | 0.99% | 8.21% | 2.02% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2025. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Generations Bank (main office) | Seneca Falls , NY | 13148 | $94.2M |
| Maple Ridge Road Branch | Medina , NY | 14103 | $56.7M |
| Auburn Branch-Seward Ave Branch | Auburn , NY | 13021 | $51.5M |
| Geneva Branch | Geneva , NY | 14456 | $40.1M |
| Waterloo Branch | Waterloo , NY | 13165 | $31.2M |
| Farmington Branch | Farmington , NY | 14425 | $26.4M |
| Phelps Branch | Phelps , NY | 14532 | $10.6M |
| Union Springs Branch | Union Springs , NY | 13160 | $8.4M |
| Osborne Branch | Auburn , NY | 13021 | $889K |
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 |
|---|---|---|---|
| January 1, 2026 | Structure Change | Sale of Assets | FFIEC NIC |
| December 15, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 15, 2025 | Structure Change | Acquired Generations Commercial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2018 | Structure Change | Acquired Medina Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC, OCC (former OTS))
- July 19, 2024, OCC: Formal Agreement: Generations Bank
- February 8, 2011, OCC (former OTS): Civil Money Penalty: Seneca Falls Savings Bank
- Period: Most recent institution action July 19, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Mortgage lending (HMDA)
- 17 applications, 4 loans originated, $180K originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Deposit market share, SBA 7(a) lending, 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 Q4 2025 filing, Generations Bank reported total assets of $347.1 million in its FFIEC call report.
Where is Generations Bank headquartered?
It is headquartered in Seneca Falls, NY, United States.
When was Generations Bank founded?
It was established in 1870, per the FDIC institution directory.
Is Generations Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #16040). 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 OCC.
What is Generations Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.06% in its Q4 2025 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Generations Bank operate?
It operates 11 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 11.53% in its Q4 2025 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 Seneca Falls Savings Bank (2006-2012), The Seneca Falls Savings Bank (1977-2006), per FDIC structure-change records.
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