Bank call report · Seneca Falls, NY
Generations Bank Call Report
Filed for the quarter ended (Q4 2025) on the FFIEC 051. Source: FFIEC Central Data Repository.
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Generations Bank filed its latest call report for the quarter ended December 31, 2025 on the FFIEC 051. Below are its 329 reported line items, schedule by schedule (768 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
This is the last call report on file for Generations Bank; it has not filed for the most recent published quarter.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q4 2025 (December 31, 2025) |
| Federal Reserve RSSD ID | 442011 |
| FDIC certificate number | 16040 |
| Total assets | $347.1M |
Official Q4 2025 call report PDF (FFIEC) →
Generations Bank call report by schedule, Q4 2025
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Generations Bank balance sheet trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Total assets | RCON2170 | $347.1M |
| Total liabilities, limited-life preferred stock, and equity capital | RCON3300 | $347.1M |
| Total liabilities and minority interest | RCON2948 | $315.6M |
| Total deposits | RCON2200 | $297.8M |
| Loans and leases, net of unearned income - totals | RCONB528 | $269.7M |
| Loans and leases, net of unearned income and allowance | RCONB529 | $266.9M |
| Total interest-bearing deposits in foreign and domestic offices | RCON6636 | $252.2M |
| Deposits, noninterest-bearing | RCON6631 | $45.7M |
| Total equity capital | RCON3210 | $31.5M |
| Total equity capital including noncontrolling minority interests in consolidated subsidiaries | RCONG105 | $31.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $25.0M |
| Other assets | RCON2160 | $23.6M |
| Surplus | RCON3839 | $18.6M |
| Other borrowed money | RCON3190 | $17.3M |
| Interest-bearing balances | RCON0071 | $15.4M |
| Undivided profits and capital reserves | RCON3632 | $13.6M |
| Premises and fixed assets (including capitalized leases) | RCON2145 | $12.1M |
| Noninterest-bearing balances and currency and coin | RCON0081 | $2.8M |
| Allowance for loan and lease losses | RCON3123 | $2.7M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $1.3M |
| Held-to-maturity securities, total | RCON1754 | $1.3M |
| Accumulated other comprehensive income | RCONB530 | -$670K |
| Other liabilities, total | RCON2930 | $409K |
| Intangible assets | RCON2143 | $4K |
Schedule RI: Income Statement (42 items)
About Schedule RI · Generations Bank income statement trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Total interest income | RIAD4107 | $15.4M |
| Interest and fee income on loans, total | RIAD4010 | $14.4M |
| Total noninterest expense | RIAD4093 | $11.3M |
| Interest and fee income on loans secured by 1-4 family residential properties | RIAD4435 | $9.2M |
| Total interest expense | RIAD4073 | $8.3M |
| Net interest income | RIAD4074 | $7.2M |
| Other noninterest expense | RIAD4092 | $5.2M |
| Salaries and employee benefits | RIAD4135 | $4.6M |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of 250000 or less | RIADHK03 | $4.3M |
| Income (loss) before discontinued operations | RIAD4300 | -$4.3M |
| Net income (loss) | RIAD4340 | -$4.3M |
| Net income (loss) attributable to bank and noncontrolling minority interests | RIADG104 | -$4.3M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | -$4.3M |
| Income (loss) before applicable income taxes and discontinued operations | RIAD4301 | -$4.3M |
| Loans to individuals for household, family, and other personal expenditures, other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADB486 | $4.0M |
| Expenses of premises and fixed assets | RIAD4217 | $1.5M |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of more than 250000 | RIADHK04 | $1.5M |
| Savings deposits (including mmdas) | RIAD0093 | $1.1M |
| Provision for loan and lease losses | RIAD4230 | $1.1M |
| Provisions for credit losses on financial assets | RIADJJ33 | $1.1M |
| Total noninterest income | RIAD4079 | $885K |
| Other interest expense | RIADGW44 | $800K |
| Other noninterest income | RIADB497 | $793K |
| Interest and fee income on commercial and industrial loans | RIAD4012 | $635K |
| Interest and fee income on all other loans secured by real estate | RIAD4436 | $585K |
| Interest on transaction accounts (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) | RIAD4508 | $518K |
| Interest on other securities | RIAD4060 | $470K |
| Interest income on balances due from depository institutions | RIAD4115 | $431K |
| Service charges on deposit accounts in domestic offices | RIAD4080 | $427K |
| Net gains (losses) on sales of other assets (excluding securities) | RIADB496 | -$358K |
| Interest and dividend income on tax-exempt securities issued by states and political subdivisions in the U.S. | RIAD4507 | $192K |
| Other interest income | RIAD4518 | $117K |
| Applicable income taxes | RIAD4302 | $34K |
| Interest and dividend income on securities, mortgage-backed securities | RIADB489 | $32K |
| Net servicing fees | RIADB492 | $22K |
| Interest and fee income on all other loans in domestic offices | RIAD4058 | $6K |
| Interest and fee income on loans to finance agricultural production and other loans to farmers in domestic offices | RIAD4024 | $6K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $5K |
| Noninterest income, Income from insurance activities | RIADHT74 | $2K |
| Net gains (losses) on other real estate owned | RIAD5415 | -$1K |
| Realized gains (losses) on available-for-sale debt securities | RIAD3196 | $1K |
| Number of full time equivalent employees on payroll at end of current period | RIAD4150 | 59 |
Schedule RC-B: Securities (24 items)
About Schedule RC-B · Generations Bank securities trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Total amortized cost of available-for-sale securities | RCON1772 | $27.2M |
| Amortized cost of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8498 | $16.3M |
| Fair value of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8499 | $15.1M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over five years through fifteen years | RCONA553 | $11.6M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing of over ffteen years | RCONA554 | $9.6M |
| Amortized cost of other available-for-sale domestic debt securities | RCON1739 | $7.3M |
| Fair value of other available-for-sale domestic debt securities | RCON1741 | $6.5M |
| Amortized cost of available-for-sale other foreign debt securities | RCON1744 | $3.6M |
| Fair value of available-for-sale other foreign debt securities | RCON1746 | $3.4M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over one year through three years | RCONA551 | $1.7M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three years through five years | RCONA552 | $1.5M |
| Total fair value of held-to-maturity securities | RCON1771 | $1.1M |
| Fixed rate and floating rate debt securities with a remaining maturity of one year or less | RCONA248 | $1.1M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three months through 12 months | RCONA550 | $1.1M |
| Asset-backed securities and structured financial products, Structured financial products, Held-to-maturity, Amortized Cost | RCONHT58 | $650K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $607K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $601K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over five years through 15 years | RCONA559 | $553K |
| Asset-backed securities and structured financial products, Structured financial products, Held-to-maturity, Fair Value | RCONHT59 | $530K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over 15 years | RCONA560 | $62K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $17K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $17K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three years through five years | RCONA558 | $8K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over one year through three years | RCONA557 | $2K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · Generations Bank loans and leases trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Total loans and leases, net of unearned income | RCON2122 | $269.7M |
| All other loans secured by 1-4 family residential properties, secured by first liens | RCON5367 | $156.3M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over 15 years | RCONA569 | $111.7M |
| Pledged loans and leases | RCONG378 | $72.3M |
| Other consumer loans to individuals for household, family, and other personal expenditures (includes single payment, installment, and all student loans) | RCONK207 | $67.8M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA574 | $43.8M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over 15 years | RCONA575 | $40.0M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA568 | $25.0M |
| Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties | RCON5370 | $21.6M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA573 | $14.3M |
| Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit | RCON1797 | $14.1M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA567 | $11.5M |
| Automobile loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper) | RCONK137 | $11.3M |
| Commercial and industrial loans | RCON1766 | $8.6M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA572 | $8.1M |
| Fixed rate and floating rate loans and leases with a remaining maturity of one year or less | RCONA247 | $4.4M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA566 | $4.3M |
| Loans secured by owner occupied nonfarm nonresidential properties | RCONF160 | $4.1M |
| Loans secured by other nonfarm nonresidential properties. | RCONF161 | $3.9M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA571 | $3.8M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA570 | $2.1M |
| All other loans secured by 1-4 family residential properties, secured by junior liens | RCON5368 | $1.9M |
| Real estate loans secured by farmland | RCON1420 | $1.2M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA565 | $919K |
| Loans secured by 1-4 family residential properties in domestic offices in process of foreclosure (included in RC-C, part I, items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $445K |
| Real estate loans secured by multi-family (5 or more) residential properties | RCON1460 | $382K |
| Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper), other revolving credit plans | RCONB539 | $80K |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA564 | $2K |
| Loans to finance agricultural production and other loans to farmers | RCON1590 | $2K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (16 items)
| Line item | Code | Q4 2025 |
|---|---|---|
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5571 | $3.5M |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5569 | $3.4M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5575 | $2.3M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5573 | $1.9M |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5567 | $981K |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5565 | $268K |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5583 | $198K |
| Amount currently outstanding of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of $100,000 or less | RCON5585 | $2K |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5570 | 48 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5572 | 20 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5568 | 14 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5574 | 11 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5566 | 11 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5564 | 7 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5582 | 1 |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of $100,000 or less | RCON5584 | 1 |
Schedule RC-E: Deposit Liabilities (22 items)
About Schedule RC-E · Generations Bank deposit liabilities trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Total nontransaction accounts (including mmda's) | RCON2385 | $215.2M |
| Total nontransaction accounts deposits of individuals, partnerships, and corporations | RCONB550 | $215.2M |
| Total transaction accounts | RCON2215 | $82.6M |
| Total transaction accounts - deposits of individuals, partnerships, and corporation | RCONB549 | $82.6M |
| Time deposits of 250000 or less with a remaining maturity of one year or less | RCONHK11 | $82.0M |
| Other nontransaction savings deposits (excludes mmda's) | RCON0352 | $79.5M |
| Total demand deposits (see note below) | RCON2210 | $79.2M |
| Total time deposits of less than $100,000 | RCON6648 | $45.0M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three months through 12 months | RCONHK08 | $43.7M |
| Components of total nontransaction accounts, total time deposits of $100,000 through $250,000 | RCONJ473 | $42.8M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of three months or less | RCONHK07 | $38.3M |
| Components of total nontransaction accounts, total time deposits of more than $250,000 | RCONJ474 | $32.1M |
| Time deposits of more than $250,000 with a remaining maturity of one or year less | RCONK222 | $29.0M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over three months through 12 months | RCONHK13 | $17.6M |
| Money market deposit accounts (mmda's) | RCON6810 | $15.7M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of three months or less | RCONHK12 | $11.4M |
| All time and savings deposits held in IRA and keogh plan accounts | RCON6835 | $7.4M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over one year through three years | RCONHK09 | $5.2M |
| Estimated amount of deposits obtained through the use of deposit listing services that are not brokered deposits | RCONK223 | $4.8M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over one year through three years | RCONHK14 | $3.1M |
| Individual retirement accounts (iras) and keogh plan accounts included in memorandum item 2.C, 'total time deposits of $100,000 or more,' above | RCONF233 | $3.0M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three years | RCONHK10 | $643K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q4 2025 |
|---|---|---|
| Other assets | RCON2168 | $18.4M |
| First itemized amount that exceeds 25% of all other assets (2168) | RCON3549 | $17.7M |
| Life insurance assets, general account life insurance assets | RCONK201 | $2.6M |
| Historical cost of all other available-for-sale equity securities | RCON1752 | $1.3M |
| Accrued interest receivable | RCONB556 | $1.2M |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q4 2025 |
|---|---|---|
| All other liabilities | RCON2938 | $255K |
| Second itemized amount that exceeds 25% of all other liabilities (2938) or (2942) | RCON3553 | $243K |
| Other expenses accrued and unpaid | RCON3646 | $151K |
| Interest accrued and unpaid on deposits (in domestic offices) | RCON3645 | $3K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Generations Bank quarterly averages trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Quarterly average of total assets | RCON3368 | $351.2M |
| Quarterly average of total loans | RCON3360 | $275.7M |
| Quarterly average of loans secured by 1-4 family residential properties | RCON3465 | $174.1M |
| Nontransaction accounts in domestic offices, savings deposits | RCONB563 | $96.1M |
| Liabilities, nontransaction accounts, time deposits of 250000 or less | RCONHK16 | $89.0M |
| Loans to individuals for household, family, and other personal expenditures, other | RCONB562 | $83.7M |
| Transaction accounts (in domestic offices) (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) - quarterly average | RCON3485 | $37.0M |
| Liabilities, nontransaction accounts, time deposits of more than 250000 | RCONHK17 | $30.7M |
| All other securities | RCONB560 | $27.9M |
| Quarterly average of other borrowed money | RCON3355 | $18.4M |
| Quarterly average of interest-bearing balances due from depository institutions | RCON3381 | $11.0M |
| Quarterly average of all other loans secured by real estate | RCON3466 | $9.5M |
| Quarterly average of commercial and industrial loans | RCON3387 | $8.4M |
| Mortgage-backed securities | RCONB559 | $630K |
| Quarterly average of loans to finance agricultural production and other loans to farmers | RCON3386 | $2K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (3 items)
About Schedule RC-L · Generations Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Unused commitments - revolving, open-end lines secured by 1-4 family residential properties | RCON3814 | $10.5M |
| Other unused commitments, commercial and industrial loans | RCONJ457 | $2.0M |
| Other unused commitments, all other unused commitments | RCONJ459 | $554K |
Schedule RC-M: Memoranda (8 items)
About Schedule RC-M · Generations Bank memoranda trends
| Line item | Code | Q4 2025 |
|---|---|---|
| FHLB advances, advances with a remaining maturity or next repricing date of over one year through three years | RCONF056 | $11.9M |
| FHLB advances (loans) due in one year or less | RCON2651 | $5.2M |
| FHLB advances, advances with a remaining maturity or next repricing date of one year or less | RCONF055 | $5.2M |
| Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests | RCON6164 | $1.2M |
| FHLB advances, advances with a remaining maturity or next repricing date of over three through five years | RCONF057 | $163K |
| Estimated fair value of mortgage servicing assets | RCONA590 | $4K |
| Mortgage servicing assets | RCON3164 | $4K |
| Does the institution use the home owners' loan act (hola) qtl test or the internal revenue service domestic building and loan association (IRS dbla) test to determine its qtl compliance? | RCONL133 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (20 items)
About Schedule RC-N · Generations Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Total loans and lease financing receivables, past due 30-89 days and still accruing | RCON1406 | $10.0M |
| Closed-end loans secured by 1-4 family residential properties, secured by first liens-past due 30 thru 89 days and still accruing | RCONC236 | $7.4M |
| Total loans and lease finance receivables, nonaccrual | RCON1403 | $4.1M |
| Additions to nonaccrual assets | RCONC410 | $3.3M |
| Closed-end loans secured by 1-4 family residential properties, secured by first liens-nonaccural | RCONC229 | $3.0M |
| Loans to individuals for household, family and other personal expenditures, other - past due 30 through 89 days and still accruing | RCONK216 | $2.0M |
| Loans to individuals for household, family and other personal expenditures, other - nonaccrual | RCONK218 | $679K |
| Loans secured by 1-4 family residential properties, revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit - nonaccrual | RCON5400 | $319K |
| Loans secured by 1-4 family residential properties, revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit - past due 30 through 89 days and still accruing | RCON5398 | $300K |
| Loans to individuals for household, family and other personal expenditures, automobile loans - past due 30 through 89 days and still accruing | RCONK213 | $231K |
| Loans and leases reported in the past due and nonaccrual loans, leases and other assets which are wholly or partially guaranteed by the U.S. government , excluding loans and leases covered by loss-sharing agreements with the FDIC - past due 30 through 89 days and still accruing | RCONK036 | $214K |
| Loans and leases reported in the past due and nonaccrual loans, leases and other assets which are wholly or partially guaranteed by the U.S. government , excluding loans and leases covered by loss-sharing agreements with the FDIC - nonaccrual | RCONK038 | $175K |
| Guaranteed portion of loans and leases included in item 10, excluding rebooked 'GNMA loans' past due 30 through 89 days and still accruing | RCONK039 | $171K |
| Guaranteed portion of loans and leases included in item 10, excluding rebooked 'GNMA loans', nonaccrual | RCONK041 | $142K |
| Closed-end loans secured by 1-4 family residential properties, secured by junior liens-past due 30 thru 89 days and still accruing | RCONC238 | $85K |
| Loans to individuals for household, family and other personal expenditures, automobile loans - nonaccrual | RCONK215 | $56K |
| Loans secured by owner-occupied nonfarm nonresidential properties, 30-89 days past due | RCONF178 | $52K |
| Commercial and industrial loans - nonaccrual | RCON1608 | $35K |
| Closed-end loans secured by 1-4 family residential properties, secured by junior liens-nonaccural | RCONC230 | $11K |
| Loans secured by owner-occupied nonfarm nonresidential properties, nonaccrual | RCONF182 | $4K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Generations Bank other data for deposit insurance assessments trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Average consolidated total assets for the calendar quarter | RCONK652 | $351.2M |
| Total deposit liabilities as defined in section 3(1) of the federal deposit insurance act before exclusions | RCONF236 | $297.9M |
| Amount of deposit accounts (excluding retirement accounts) of $250,000 or less | RCONF049 | $223.7M |
| Amount of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF051 | $66.7M |
| Average tangible equity for the calendar quarter | RCONK654 | $33.9M |
| Amount of retirement deposits accounts of $250,000 or less | RCONF045 | $5.4M |
| Amount of retirement deposit accounts of more than $250,000 | RCONF047 | $1.9M |
| Number of deposit accounts (excluding retirement accounts)of $250,000 or less | RCONF050 | 17,461 |
| Number of retirement deposit accounts of $250,000 or less | RCONF046 | 317 |
| Number of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF052 | 150 |
| Number of retirement deposit accounts of more than $250,000 | RCONF048 | 6 |
| Averaging method used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Generations Bank regulatory capital trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Risk-weighted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve - 100% | RCONB704 | $246.6M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (22 items)
About Schedule RC-R, Part I · Generations Bank regulatory capital components and ratios trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Average total assets (net of deductions) | RCOAA224 | $351.2M |
| Average total consolidated assets | RCOAKW03 | $351.2M |
| Risk-weighted assets (net of allowances and other deductions) | RCOAA223 | $246.6M |
| Total qualifying capital allowable under the risk-based capital guidelines | RCOA3792 | $34.9M |
| Common equity tier 1 capital | RCOAP859 | $32.2M |
| Subtotal of common equity tier 1 capital, adjustments and deductions | RCOAP852 | $32.2M |
| Tier 1 capital allowable under the risk-based capital guidelines | RCOA8274 | $32.2M |
| Common equity tier 1 capital before adjustments and deductions | RCOAP840 | $31.5M |
| Common equity tier 1 capital, common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP) shares | RCOAP742 | $18.6M |
| Retained Earnings | RCOAKW00 | $13.6M |
| General loan and lease valuation allowances | RCOA5310 | $2.7M |
| Tier 2 (supplementary) capital | RCOA5311 | $2.7M |
| Tier 2 capital before deductions | RCOAP870 | $2.7M |
| Less, net unrealized gains (losses) on available-for-sale debt securities (if a gain, report as a positive value, if a loss, report as a negative value) | RCOAP844 | -$987K |
| Accumulated other comprehensive income | RCOAB530 | -$670K |
| Less, amounts recorded in AOCI attributed to defined benefit postretirement plans resulting from the initial and subsequent application of the relevant GAAP standards that pertain to such plans (if a gain, report as a positive value, if a loss, report as a negative value) | RCOAP847 | $317K |
| A. AOCI opt-out election (enter '1' for yes, enter '0' for no.) | RCOAP838 | 1 |
| Total risk-based capital ratio | RCOA7205 | 0.1417 |
| Common equity tier 1 capital ratio | RCOAP793 | 0.1306 |
| Tier 1 risk-based capital ratio | RCOA7206 | 0.1306 |
| Tier 1 leverage capital ratio | RCOA7204 | 0.0917 |
| Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary bonus payments, capital conservation buffer | RCOAH311 | 0.0617 |
Schedule RC-R, Part II: Risk-Weighted Assets (54 items)
About Schedule RC-R, Part II · Generations Bank risk-weighted assets trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Risk-weighted assets for purposes of calculating the allowance for loan and lease losses 1.25 percent threshold | RCONS580 | $246.6M |
| Total risk-weighted assets | RCONG641 | $246.6M |
| Total loans and leases, net of unearned income, residential mortgage exposures | RCONS439 | $172.7M |
| Risk-weighted assets by risk-weighted category - 100 pct risk weight category | RCONG637 | $161.1M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 100 pct risk weight category | RCONG633 | $161.1M |
| Total balance sheet assets - 100 pct risk weight category | RCOND990 | $155.2M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 50 pct risk weight category | RCONG632 | $152.4M |
| Total balance sheet assets - 50 pct risk weight category | RCOND989 | $152.4M |
| Loans and leases, net of unearned income, residential mortgage exposures - 50 pct risk weight category | RCONS442 | $151.8M |
| Total loans and leases, net of unearned income, all other exposures | RCONS457 | $94.2M |
| Loans and leases, net of unearned income, all other exposures - 100 pct risk weight category | RCONS462 | $93.4M |
| Risk-weighted assets by risk-weighted category - 50 pct risk weight category | RCONG636 | $76.2M |
| Total all other assets | RCOND981 | $35.7M |
| All other assets - 100 pct risk weight category | RCOND985 | $31.5M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 20 pct risk weight category | RCONG631 | $25.9M |
| Total balance sheet assets - 20 pct risk weight category | RCOND988 | $25.9M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $25.0M |
| Loans and leases, net of unearned income, residential mortgage exposures - 100 pct risk weight category | RCONS443 | $18.8M |
| Total cash and balances due from depository institutions | RCOND957 | $18.3M |
| Available-for-sale securities - 20 pct risk weight category | RCOND968 | $15.7M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 0 pct risk weight category | RCONG630 | $15.6M |
| Total balance sheet assets - 0 pct risk weight category | RCOND987 | $15.6M |
| Cash and balances due from depository institutions - 0 pct risk weight category | RCOND958 | $14.9M |
| Unused commitments, original maturity exceeding one year - face, notional, or other amount | RCONG624 | $11.0M |
| Available-for-sale securities - 100 pct risk weight category | RCOND970 | $10.9M |
| Unused commitments, original maturity exceeding one year - 100 pct risk weight category | RCONG629 | $5.5M |
| Unused commitments, original maturity exceeding one year - credit equivalent amount | RCONG625 | $5.5M |
| Risk-weighted assets by risk-weighted category - 20 pct risk weight category | RCONG635 | $5.2M |
| Total balance sheet assets - adjustments to total reported in column a | RCONS500 | -$4.6M |
| Risk-weighted assets by risk-weighted category - 150 pct risk weight category | RCONS572 | $4.1M |
| All other assets - 20 pct risk weight category | RCOND983 | $3.9M |
| Cash and balances due from depository institutions - 20 pct risk weight category | RCOND959 | $3.3M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 150 pct risk weight category | RCONS561 | $2.8M |
| Total balance sheet assets - 150 pct risk weight category | RCONS503 | $2.8M |
| Available-for-sale securities - adjustment to totals reported in column a | RCONS402 | -$2.2M |
| Loans and leases, net of unearned income, residential mortgage exposures - 20 pct risk weight category | RCONS441 | $2.1M |
| Loans and leases, net of unearned income, high volatility commercial real estate exposures - 150 pct risk weight category | RCONS447 | $2.0M |
| Total loans and leases, net of unearned income, high volatility commercial real estate exposures | RCONS445 | $2.0M |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, face, notional or other amount | RCONS525 | $2.0M |
| Total held-to-maturity securities | RCOND961 | $1.3M |
| Loans and leases, net of unearned income, exposures past due 90 days or more or on nonaccrual - 150 pct risk weight category | RCONS455 | $774K |
| Total loans and leases, net of unearned income, exposures past due 90 days or more or on nonaccrual | RCONS449 | $774K |
| Loans and leases, net of unearned income, all other exposures - 20 pct risk weight category | RCONS460 | $770K |
| Held-to-maturity securities - 100 pct risk weight category | RCOND965 | $650K |
| Held-to-maturity securities - 0 pct risk weight category | RCOND962 | $607K |
| Available-for-sale securities - 50 pct risk weight category | RCOND969 | $574K |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, 100% | RCONS530 | $395K |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, credit equivalent amount | RCONS526 | $395K |
| All other assets - adjustments to totals reported in column a | RCONS469 | $317K |
| Loans and leases, net of unearned income, all other exposures - 0 pct risk weight category | RCONS459 | $33K |
| Risk-weighted assets by risk-weighted category - 250 pct risk weight category | RCONS573 | $10K |
| All other assets - 250 pct risk weight category | RCONH293 | $4K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $4K |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 250 pct risk weight category | RCONS562 | $4K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q4 2025 |
|---|---|---|
| Balance end of previous calendar year as restated | RIADB508 | $32.8M |
| Equity capital, most recently reported for the end of previous calendar year (i.e., after adjustments from amended reports of income) | RIAD3217 | $32.8M |
| Total equity capital | RIAD3210 | $31.5M |
| Other comprehensive income | RIADB511 | $1.8M |
| Other transactions with stockholders (including parent holding company) | RIAD4415 | $1.2M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (12 items)
About Schedule RI-B, Part I · Generations Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Charge-offs on allowance for loan and lease losses | RIAD4635 | $1.7M |
| Charge-offs all other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADK205 | $1.3M |
| Recoveries on allowance for loan and lease losses | RIAD4605 | $521K |
| Loans secured by owner-occupied nonfarm nonresidential properties, recoveries | RIADC896 | $340K |
| Charge-offs on automobile loans | RIADK129 | $159K |
| Charge-offs on commercial and industrial loans | RIAD4638 | $158K |
| Recoveries all other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADK206 | $137K |
| Charge-offs on closed-end loans by 1-4 family residential properties, secured by first liens | RIADC234 | $72K |
| Charge-offs on revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit | RIAD5411 | $54K |
| Recoveries on automobile loans | RIADK133 | $34K |
| Recoveries on closed-end loans secured by 1-4 family residential properties, secured by first liens | RIADC217 | $6K |
| Recoveries on commercial and industrial loans | RIAD4608 | $4K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Generations Bank changes in allowances for credit losses trends
| Line item | Code | Q4 2025 |
|---|---|---|
| Balance most recently reported for the december 31, 2000, reports of condition and income(i.e., after adjustments from amended report of income) | RIADB522 | $2.8M |
| Allowance for loan and lease losses | RIAD3123 | $2.7M |
| Charge-offs on allowance for loan and lease losses | RIADC079 | $1.7M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$6K |
Schedule RI-E: Explanations (5 items)
| Line item | Code | Q4 2025 |
|---|---|---|
| Data processing expenses | RIADC017 | $1.6M |
| First itemized transaction of other transactions with stockholders (including parent holding company) (4415) | RIAD4498 | $1.2M |
| Bank card and credit card interchange fees | RIADF555 | $574K |
| Legal expense | RIAD4141 | $533K |
| Automated teller machine (ATM) and interchange expense | RIADF558 | $477K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q4 2025 |
|---|---|---|
| Total outstanding principal balance of closed end 1-4 family residential mortgage loans serviced for others plus the total outstanding principal balance of other financial assets serviced for others if more than $10 million | RCONFT12 | $6.3M |
| Total outstanding principal balance of assets sold by the reporting institution with recourse or other seller provided credit enhancements, but not securitized by the reporting institution | RCONFT10 | $5.4M |
Generations Bank call reports on file
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Generations Bank financial reports and ratios →
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