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
Unfavorable gap of $88K · efficiency ratio beats 99% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.42% | 0.60% | 0.98% | 1.45% | Beats 74% | 152 / 585 | |
| Return on Equity | 1.46% | 5.86% | 9.54% | 12.76% | Beats 10% | 525 / 584 | |
| Net Interest Margin | 2.87% | 2.90% | 3.43% | 3.93% | Beats 23% | 452 / 584 | |
| Efficiency Ratio | 34.02% | 57.87% | 67.56% | 78.72% | Beats 99% | 8 / 584 | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 437% | 11.47% | 13.94% | 18.44% | Beats 98% | 10 / 584 | |
| Total Risk-Based Capital Ratio | 437% | 11.93% | 14.43% | 19.34% | Beats 98% | 10 / 584 | |
| Equity / Assets | 97.42% | 8.74% | 10.51% | 13.41% | Beats 99% | 7 / 584 | |
| Liquidity & Funding |
| Loans / Deposits | n/a | Not reported for this institution |
| Loans / Assets | n/a | Not reported for this institution |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |