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Generations Community Bank

Indianapolis, IN · Cert 59365

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, 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=581 to 629). 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

94

Q1 2026Q2 2026peer median (50)

Asset Quality

100

Q2 2026Q2 2026peer median (50)

Profitability

2

Q1 2026Q2 2026peer median (50)

Liquidity

20

Q1 2026Q2 2026peer median

Efficiency

0

Q1 2026Q2 2026peer 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 Community Bank

Indianapolis, IN · Cert 59365

State charter, non-member · FDIC · 1 branch

Q2 2026

$30.9MAssets
$3.1MLoans
$5.6MDeposits
$25.1MEquity
Deposit mix
93%Interest-bearing $5.2M7%Noninterest $0.4MQ1 2026Q2 2026

Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 0.0% share · #47 of 49 inst. · $0.0B of $91.8B

Executive Summary

  • Earnings: ROA of -20.87%; NIM at 2.13%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 86.24%.
  • Funding: loans stand at 55.08% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-20.87%

Net Interest Margin (YTD, annualized)

2.13%

Efficiency Ratio (YTD, annualized)

1115%

Tier 1 Leverage Ratio

86.24%

NIM

1.19%Q1 ’262.27%Q2 ’26+78%

Non-interest income vs. expense

39.60%Q1 ’2624.10%Q2 ’26-39%

Year to date, annualized, through each quarter.

MetricQ1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-38.54%-20.87%n/a
Return on Equity-38.87%-25.72%n/a
Net Interest Margin1.19%2.13%n/a
Efficiency Ratio3319%1115%n/a
Non-Interest Burden39.60%24.06%n/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Deposit Growth (YoY)n/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/a0.00%n/an/a
Net Charge-Offs / Loansn/a0.00%n/an/a
Allowance / Loansn/a1.17%n/an/a
Allowance Coverage of NPLsn/an/an/an/a
Capital
Tier 1 Leverage Ratio98.81%86.24%n/a
Total Risk-Based Capital98.81%86.24%n/a
Equity / Assets99.15%81.12%n/a
Liquidity & Funding
Loans / Deposits0.00%55.08%n/a
Liquid Assets / Assets38.37%43.44%n/a
CRE / Total Capital0.00%n/an/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 Community Bank

Indianapolis, IN · Cert 59365 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 1 branch

Q2 2026

$30.9MAssets
$3.1MLoans
$5.6MDeposits
$25.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: efficiency ratio trails 100% of banks under $1B in assets (rank 627 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-20.87%

Rank 627 of 629

Net Interest Margin

2.13%

Rank 597 of 629

Efficiency Ratio

1115%

Rank 627 of 629

Equity / Assets

81.12%

Rank 31 of 629

Non-interest income vs. expense

$0.0M$7.0MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 0% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-20.87%0.60%1.01%1.45%Beats 0%627 / 629n/a
Return on Equity-25.72%5.38%9.30%13.28%Beats 1%620 / 629n/a
Net Interest Margin2.13%3.03%3.54%4.05%Beats 5%597 / 629n/a
Efficiency Ratio1115%58.35%67.79%79.08%Beats 0%627 / 629n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581n/a
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581n/a
Capital
Tier 1 Capital Ratio86.24%11.24%13.84%18.77%Beats 93%42 / 629n/a
Total Risk-Based Capital Ratio86.24%11.58%14.43%19.66%Beats 93%42 / 629n/a
Equity / Assets81.12%9.09%10.65%13.80%Beats 95%31 / 629n/a
Liquidity & Funding
Loans / Deposits55.08%67.24%80.90%93.48%14th pctl511 / 594n/a
Loans / Assets9.97%53.31%67.71%78.15%8th pctl577 / 629n/a
Brokered Deposits / Depositsn/aNot reported for this institution