Bank Safety Analysis
Generations Bank: final safety record
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Return on assets dropped 2.52 percentage points in Q4 2025, from -0.34% to -2.86%. It was the largest change from Q3 2025 among the key lines here. From Q1 2023 to Q4 2025, Generations Bank's CET1 ratio ranged between 12.28% (Q4 2024) and 13.51% (Q2 2023) and its Texas ratio ranged between 7.41% (Q1 2023) and 11.53% (Q4 2025). Between Q4 2024 and Q4 2025, Generations Bank's CET1 ratio rose from 12.28% to 13.06%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 1.22% to 1.52%, Texas ratio rose from 10.28% to 11.53% and return on assets fell from -2.49% to -2.86%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 13.06% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.17% is above the 5% well-capitalized threshold.
Nonperforming loans at 1.52% are elevated; merits closer attention.
Texas Ratio of 11.5% is well below the 100% historical failure threshold.
Efficiency ratio of 256.1% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q4 2025), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 13.06% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 11.53% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 1.52% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 90.53% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 12.26% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.40% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q4 2025 | 13.06% |
| Q3 2025 | 13.24% |
| Q2 2025 | 12.85% |
| Q1 2025 | 12.90% |
| Q4 2024 | 12.28% |
| Q3 2024 | 13.08% |
| Q2 2024 | 13.02% |
| Q1 2024 | 12.96% |
| Q4 2023 | 12.83% |
| Q3 2023 | 12.91% |
| Q2 2023 | 13.51% |
| Q1 2023 | 13.46% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q4 2025 | 11.53% |
| Q3 2025 | 8.14% |
| Q2 2025 | 9.43% |
| Q1 2025 | 8.34% |
| Q4 2024 | 10.28% |
| Q3 2024 | 9.49% |
| Q2 2024 | 8.08% |
| Q1 2024 | 8.21% |
| Q4 2023 | 8.96% |
| Q3 2023 | 11.03% |
| Q2 2023 | 9.03% |
| Q1 2023 | 7.41% |
Generations Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Dec 31, 2025 | 13.06% | 1.52% | 11.53% | -2.86% |
| Sep 30, 2025 | 13.24% | 1.07% | 8.14% | -0.34% |
| Jun 30, 2025 | 12.85% | 1.13% | 9.43% | -0.61% |
| Mar 31, 2025 | 12.90% | 1.02% | 8.34% | -0.97% |
| Dec 31, 2024 | 12.28% | 1.22% | 10.28% | -2.49% |
| Sep 30, 2024 | 13.08% | 1.12% | 9.49% | -0.84% |
| Jun 30, 2024 | 13.02% | 0.97% | 8.08% | -0.83% |
| Mar 31, 2024 | 12.96% | 0.99% | 8.21% | -0.55% |
| Dec 31, 2023 | 12.83% | 1.08% | 8.96% | -0.59% |
| Sep 30, 2023 | 12.91% | 1.21% | 11.03% | -0.66% |
| Jun 30, 2023 | 13.51% | 1.05% | 9.03% | -0.24% |
| Mar 31, 2023 | 13.46% | 1.01% | 7.41% | -0.18% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 16040) · FFIEC NIC profile (RSSD 442011)
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