Generations Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Core deposits to total deposits: 83.34 percentage points lower than in Q1 2026, at 16.66%. Generations Community Bank has the 1st lowest return on assets of the 87 banks headquartered in Indiana, at -9.81% as of Q2 2026. Generations Community Bank's return on assets of -9.81% is well below the 1.00% median for banks in the < $100M asset tier, a gap of 10.81 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 86.24% |
| Equity capital to assets | 81.12% |
| Tangible equity to tangible assets | 81.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -9.81% |
| Return on equity | -11.21% |
| Net interest margin | 3.42% |
| Efficiency ratio | 386.86% |
| Yield on earning assets | 3.73% |
| Cost of funds | 2.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.08% |
| Core deposits to total deposits | 16.66% |
| Brokered deposits to total deposits | 60.97% |
| Deposits to assets | 18.11% |
| Securities to assets | 21.53% |
Vital Signs trend
Last 2 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin |
|---|---|---|---|
| Q1 2026 | 98.81% | -38.41% | 1.26% |
| Q2 2026 | 86.24% | -9.81% | 3.42% |
Generations Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Generations Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Generations Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59365) · FFIEC NIC profile (RSSD 6058562)