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Generations Commercial Bank

Seneca Falls, NY · Cert 59149

FDIC · 1 branch

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=584 to 585). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

98

Q2 2024Q3 2025peer median (50)

Asset Quality

No peer data yet

Profitability

36

Q2 2024Q3 2025peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

99

Q2 2024Q3 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Generations Commercial Bank

Seneca Falls, NY · Cert 59149

FDIC · 1 branch

Q3 2025

$9.5MAssets
n/aLoans
n/aDeposits
$9.2MEquity
Deposit mix
100%Interest-bearing $00%Noninterest $0Q3 2024Q3 2025

NIM

2.38%Q3 ’234.15%Q3 ’244.09%Q3 ’25+89%+38%

Non-interest income vs. expense

0.46%Q3 ’230.47%Q3 ’240.98%Q3 ’25+1%+108%

Executive Summary

  • Earnings: ROA of 0.99%, down 24 bps year over year; NIM at 2.87%.
  • Capital: tier 1 leverage ratio of 112.13%, up 5,646 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

0.99%-24 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+80 bps YoY

Efficiency Ratio (YTD, annualized)

34.02%+1,136 bps YoY

Tier 1 Leverage Ratio

112.13%+5,646 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets1.23%1.19%0.70%0.90%0.99%-24 bps
Return on Equity2.54%2.45%1.39%1.50%1.50%-104 bps
Net Interest Margin2.07%2.04%1.37%2.53%2.87%+80 bps
Efficiency Ratio22.66%23.27%36.07%34.11%34.02%+1,136 bps
Non-Interest Burden0.47%0.48%0.49%0.86%0.98%+51 bps
Growth
Asset Growth (YoY)1.67%-1.24%-3.76%-52.58%-47.28%-4,894 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)-8.33%-2.59%-8.46%-99.16%-100.00%-9,167 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio55.68%56.56%56.19%98.53%112.13%+5,646 bps
Total Risk-Based Capital250%237%249%434%437%+18,735 bps
Equity / Assets51.03%49.66%51.15%97.08%97.42%+4,639 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%n/an/a
Liquid Assets / Assets47.19%48.90%47.38%4.62%4.16%-4,302 bps
CRE / Total Capitaln/an/an/an/a0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Generations Commercial Bank

Seneca Falls, NY · Cert 59149 · Peer group: banks under $1B in assets (n=584-585)

FDIC · 1 branch

Q3 2025

$9.5MAssets
n/aLoans
n/aDeposits
$9.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 99% of banks under $1B in assets (rank 8 of 584).
  • Widest gap: return on equity trails 90% of banks under $1B in assets (rank 525 of 584).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.42%

Rank 152 of 585

Net Interest Margin

2.87%

Rank 452 of 584

Efficiency Ratio

34.02%

Rank 8 of 584

Equity / Assets

97.42%

Rank 7 of 584

Non-interest income vs. expense

$0K$88KINCOMEEXPENSE
Unfavorable gap of $88K · efficiency ratio beats 99% of banks under $1B in assets
Bank 34.02%Peer median 67.6%Q4 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.42%0.60%0.98%1.45%Beats 74%152 / 585
Return on Equity1.46%5.86%9.54%12.76%Beats 10%525 / 584
Net Interest Margin2.87%2.90%3.43%3.93%Beats 23%452 / 584
Efficiency Ratio34.02%57.87%67.56%78.72%Beats 99%8 / 584
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio437%11.47%13.94%18.44%Beats 98%10 / 584
Total Risk-Based Capital Ratio437%11.93%14.43%19.34%Beats 98%10 / 584
Equity / Assets97.42%8.74%10.51%13.41%Beats 99%7 / 584
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assetsn/aNot reported for this institution
Brokered Deposits / Depositsn/aNot reported for this institution