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Generations Bank

Seneca Falls, NY
IDRSSD: 442011
Total Assets
$356.06M
Latest filing
Total Deposits
$303.09M
Latest filing
Net Interest Margin
2.39%
Profitability
0

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 ClassFederal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS
Primary RegulatorOCC
Established Date05/21/1870
Community BankYes
Ownership TypeNot Mutual
ZIP13148
State and County Number36099
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number02
Numeric code33
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictNew York
Core Based Statistical Area NameSeneca Falls, NY

Operational Info

Number of Employees62
Domestic Offices9
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance08/09/1989
Primary Insurance AgencyDIF
Websitewww.mygenbank.com
Data Updated11/14/2025
CERT16040
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$356.06M
Total Deposits$303.09M
Total Liabilities$322.91M
Total Equity Capital$33.16M
Net Income$-309,000
Net Loans and Leases$277.96M
Assets Per Employee ($Millions)$6.14M
Bank Premises and Fixed Assets$12.69M
Cash and Balances due from Depository Institutions$11.49M
Deposits Held in Domestic Offices$303.09M

Key Performance Ratios

Return on Assets (ROA)-0.34%
Return on Equity (ROE)-3.74%
Net Interest Margin2.39%
Efficiency Ratio102.7%
Tier 1 Risk-Based Capital Ratio13.244%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.27%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.312%
Earning Assets to total Assets87.58%

Income and Expense

Total Interest Income$3.90M
Total Noninterest Income$349.00k
Total Interest Expense$1.98M
Total Noninterest Expense$2.32M
Net Interest Income$1.91M
Pre-tax Net Operating Income$-304,000
Provision for Credit Losses$243.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$18.67M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.16M
Total Liabilities and Capital$356.06M

Securities

Securities$26.01M
Available-for-sale debt securities$24.68M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$1.28M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Generations Bank?
$356.06M as of the latest filing.
How much are Generations Bank's total deposits?
$303.09M in total deposits.
Where is Generations Bank located?
Seneca Falls, NY.
What is the Net Interest Margin?
2.39%.
How many domestic offices does it operate?
9.
When was it established?
05/21/1870.
What is the Return on Assets (ROA)?
-0.34%.
How much are total loans and leases?
$277.96M (latest filing).
What is the total interest income (latest filing)?
$3.90M.