What is Generations Bank's financial health grade?

Generations Bank has a TFS Financial Health Grade of F (score: 53.6/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Generations Bank have?

Generations Bank has 10 branch locations across the United States.

Is Generations Bank FDIC insured?

Yes, Generations Bank is FDIC insured (Certificate #16040).

What are the total assets of Generations Bank?

Generations Bank has total assets of $347.1M as reported in its most recent FDIC filing.

Generations Bank

BankSeneca Falls, New York

www.mygenbank.com

Total Assets

$347.1M

Total Deposits

$297.8M

Branches

Established

1870

TFS Health Grade

53.6 / 100

Poor financial health

How we grade

Generations Bank is a bank headquartered in Seneca Falls, New York, established in 1870. With $347.1M in total assets and 10 branch locations, it has a TFS Financial Health Grade of F (53.6/100).

Capital & Safety

Tier 1 Capital Ratio

9.17%(8%)

Total Capital Ratio

14.17%(10%)

Non-Performing Loan Ratio

1.52%

Profitability

Return on Assets (ROA)

-1.14%(1%)

Return on Equity (ROE)

-10.82%(10%)

Net Interest Margin

2.14%

Efficiency Ratio

139.29%(60%)

Lending & Liquidity

Total Loans

$269.7M

Loan-to-Deposit Ratio

89.62%

Net Charge-Off Ratio

0.40%

Growth

Asset Growth (YoY)

-10.14%

Deposit Growth (YoY)

-10.27%

Net Income

$-4,318,000

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Generations BankHQ	19 Cayuga St	Seneca Falls	NY	11
Generations Bank	621 N Seward Ave	Auburn	NY	11
Generations Bank	10 Osborne St	Auburn	NY	11
Generations Bank	6120 State Route 96	Farmington	NY	11
Generations Bank	342 Hamilton St	Geneva	NY	11
Generations Bank	11182 Maple Ridge Rd	Medina	NY	11
Generations Bank	89 Main St	Phelps	NY	11
Generations Bank	19 Cayuga St	Seneca Falls	NY	11
Generations Bank	152 Cayuga Street	Union Springs	NY	11
Generations Bank	1865 North Rd	Waterloo	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.