Generations Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Generations Bank of Seneca Falls, NY against its peer group of 2725 similarly-sized US banks as of Q4 2025. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | -2.86% | 1.13% | -3.99% | 1st worst quarter |
| ROAE | -31.09% | 11.05% | -42.14% | 1st worst quarter |
| Net Interest Margin | 1.94% | 3.89% | -1.95% | 1st worst quarter |
| Efficiency Ratio | 256.12% | 63.61% | +192.51% | 100th worst quarter |
| PPNR / Avg Assets | -2.57% | 1.47% | -4.04% | 0th worst quarter |
| Yield on Earning Assets | 4.22% | 5.63% | -1.41% | 4th |
| Cost of Funds | 2.26% | 1.91% | +0.35% | 70th worse half |
| Net Interest Spread | 1.53% | 3.21% | -1.68% | 2nd worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 1.52% | 0.38% | +1.14% | 83rd worst quarter |
| NPA / Total Assets | 1.18% | 0.27% | +0.91% | 85th worst quarter |
| NCO / Avg Loans | 0.42% | 0.01% | +0.41% | 89th worst quarter |
| ACL / Total Loans | 1.01% | 1.19% | -0.18% | 28th |
| ACL / NPLs (Coverage) | 66.76% | 244.99% | -178.23% | 14th worst quarter |
| Texas Ratio | 11.53% | 2.43% | +9.10% | 87th worst quarter |
| Provision / NCO | 85.57% | 122.73% | -37.16% | 41st |
| CRE / Total Capital | 12.26% | 121.38% | -109.12% | 6th best quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 13.06% | 14.89% | -1.83% | 32nd worse half |
| Tier 1 Ratio | 13.06% | 14.90% | -1.84% | 31st worse half |
| Total Capital Ratio | 14.17% | 16.02% | -1.85% | 31st worse half |
| Leverage Ratio | 9.17% | 10.79% | -1.62% | 17th worst quarter |
| Equity / Assets | 9.08% | 10.19% | -1.11% | 30th worse half |
| TCE / Tangible Assets | 9.08% | 9.94% | -0.86% | 34th worse half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 90.53% | 80.34% | +10.19% | 73rd |
| Core Deposit Ratio | 89.23% | 89.01% | +0.22% | 51st better half |
| Borrowings / Total Assets | 4.99% | 3.84% | +1.15% | 60th worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -10.14% | 4.71% | -14.85% | 1st |
| Loan Growth (Y/Y) | -13.08% | 5.56% | -18.64% | 1st |
| Deposit Growth (Y/Y) | -10.27% | 4.07% | -14.34% | 2nd |
See Generations Bank's peers by name
The 2725 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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.