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Generations Bank

IDRSSD: 329345
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q2QoQ +2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #329345 2025-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.76% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -14
  • Asset Quality
    ↑ +13
  • Reserves
    ↑ +19

The five pillars

Liquidity

StableQoQ -3
70
Sub-score

Liquidity is stable: brokered 14.8%, loans/deposits 78.9%, cash 2.8% of assets.

Cash / Assets
2.76%
Loans / Deposits
78.89%
Brokered %
14.84%

Watch Items

  • infoCash / Assets below 3% — Cash 2.76% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -14
82
Sub-score

Capital position is strong: Tier 1 RBC 12.38%, CET1 12.38%, leverage 10.57%.

Tier 1 RBC
12.38%
CET1
12.38%
Leverage
10.57%
No watch items at this period.

Asset Quality

StrongQoQ +13
89
Sub-score

Asset quality is strong: Adjusted NPL 1.35%, Texas Ratio 8.1%, NCO YTD 0.03%.

Adjusted NPL
1.35%
Govt-guarantees stripped
Texas Ratio
8.1%
NCO YTD
0.03%
30-89 PD
0.84%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +19
47
Sub-score

Reserves are deteriorating: ALLL 1.05% of loans, coverage 78.3%, true coverage 78.3%.

ALLL / Loans
1.05%
Coverage
78.3%
True Loss Coverage
78.3%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 19:21:30 UTC