Generations Bank
Seneca Falls, NY
IDRSSD: 442011
Total Assets
$347.13M
Latest filing
Total Deposits
$297.85M
Latest filing
Net Interest Margin
1.98%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
021315062SENECA FALLS, NY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Generations Bank
19 Cayuga St
Seneca Falls, NY 13148
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/21/1870FDIC Certificate 10268
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Generations Bank (Main) | 19 Cayuga St | Seneca Falls, NY |
| GENEVA BRANCH | 342 Hamilton St | Geneva, NY |
| MAPLE RIDGE ROAD BRANCH | 11182 Maple Ridge Rd | Medina, NY |
| OSBORNE BRANCH | 10 Osborne St | Auburn, NY |
| UNION SPRINGS BRANCH | 152 Cayuga Street | Union Springs, NY |
| PHELPS BRANCH | 89 Main St | Phelps, NY |
| WATERLOO BRANCH | 1865 North Rd | Waterloo, NY |
| AUBURN BRANCH-SEWARD AVE BRANCH | 621 N Seward Ave | Auburn, NY |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 05/21/1870 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 13148 |
| State and County Number | 36099 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Seneca Falls, NY |
Operational Info
| Number of Employees | 58 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/15/2025 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.mygenbank.com |
| Data Updated | 01/30/2026 |
| CERT | 16040 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $347.13M |
| Total Deposits | $297.85M |
| Total Liabilities | $315.59M |
| Total Equity Capital | $31.54M |
| Net Income | $-2,514,000 |
| Net Loans and Leases | $266.92M |
| Assets Per Employee ($Millions) | $5.88M |
| Bank Premises and Fixed Assets | $12.10M |
| Cash and Balances due from Depository Institutions | $18.28M |
| Deposits Held in Domestic Offices | $297.85M |
Key Performance Ratios
| Return on Assets (ROA) | -2.86% |
| Return on Equity (ROE) | -31.09% |
| Net Interest Margin | 1.98% |
| Efficiency Ratio | 258.42% |
| Tier 1 Risk-Based Capital Ratio | 13.061% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.28% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.085% |
| Earning Assets to total Assets | 88.9% |
Income and Expense
| Total Interest Income | $3.34M |
| Total Noninterest Income | $-106,000 |
| Total Interest Expense | $1.81M |
| Total Noninterest Expense | $3.69M |
| Net Interest Income | $1.53M |
| Pre-tax Net Operating Income | $-2,508,000 |
| Provision for Credit Losses | $249.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $17.33M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $409.00k |
| Total Liabilities and Capital | $347.13M |
Securities
| Securities | $26.22M |
| Available-for-sale debt securities | $24.96M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.26M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Generations Bank?
$347.13M as of the latest filing.
How much are Generations Bank's total deposits?
$297.85M in total deposits.
Where is Generations Bank located?
Seneca Falls, NY.
What is the Net Interest Margin?
1.98%.
How many domestic offices does it operate?
9.
When was it established?
05/21/1870.
What is the Return on Assets (ROA)?
-2.86%.
How much are total loans and leases?
$266.92M (latest filing).
What is the total interest income (latest filing)?
$3.34M.