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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

NIM

1.19%Q1 ’263.47%Q2 ’26+166%

Non-interest income vs. expense

39.60%Q1 ’2612.56%Q2 ’26-68%

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 -10.01%; NIM at 3.18%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

-10.01%

Net Interest Margin (quarter, annualized)

3.18%

Efficiency Ratio (quarter, annualized)

387%

Tier 1 Leverage Ratio

86.24%

Discrete quarter, annualized.

MetricQ1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-38.54%-10.01%n/a
Return on Equity-38.87%-11.21%n/a
Net Interest Margin1.19%3.18%n/a
Efficiency Ratio3319%387%n/a
Non-Interest Burden39.60%12.50%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