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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

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