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Generations Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2026-Q1QoQ -9

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

Quarterly Headline

2026-Q1

Bank #329345 2026-Q1 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 48.8% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.8% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.31% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -9 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -24
  • Reserves
    ↓ -35

The five pillars

Liquidity

StableQoQ +3
70
Sub-score

Liquidity is stable: brokered 14.3%, loans/deposits 81.5%, cash 3.2% of assets.

Cash / Assets
3.17%
Loans / Deposits
81.49%
Brokered %
14.34%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.77%
No watch items at this period.

Capitalization

StrongQoQ +5
97
Sub-score

Capital position is strong: Tier 1 RBC 14.12%, CET1 14.12%, leverage 11.53%.

Tier 1 RBC
14.12%
CET1
14.12%
Leverage
11.53%
No watch items at this period.

Asset Quality

StableQoQ -24
67
Sub-score

Asset quality is stable: Adjusted NPL 2.31%, Texas Ratio 13.0%, NCO YTD 1.19%.

Adjusted NPL
2.31%
Govt-guarantees stripped
Texas Ratio
13.0%
NCO YTD
1.19%
30-89 PD
0.57%
Band 0.3% / 3.0%
90+ PD
0.76%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.31% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.19% of loans.

Reserves

RiskQoQ -35
29
Sub-score

Reserves are weak: ALLL 1.11% of loans, coverage 48.8%, true coverage 48.8%.

ALLL / Loans
1.11%
Coverage
48.8%
True Loss Coverage
48.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.8% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.8% (Adjusted NPL + Performing Mods denominator).

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