# GENERATIONS BANK
EXETER, NE · FDIC certificate 14096 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $58.3M | |
| Deposits | $46.8M | |
| Loans and leases | $44.1M | |
| Total equity | $6.1M | |
| Loans / deposits | 92.68% (p84 of band) | 73.59% |
| Liquid assets / assets | 19.58% (p21 of band) | |
| Uninsured deposits / deposits | 10.66% (p16 of band) | 19.81% |
| Brokered deposits | 5.13% | |
| Wholesale funding | 13.83% (p90 of band) | |
| FHLB advances / assets | 8.70% | |
| Tier 1 leverage | 10.58% (p33 of band) | 11.76% |
| Unrealized securities loss / equity | -10.35% (p39 of band) | -6.57% |
| AOCI / equity | -0.47% (p46 of band) | |
| ROA (annualized) | 0.81% (p30 of band) | 1.17% |
| Net interest margin | 3.67% (p36 of band) | 3.93% |
| Efficiency ratio | 71.33% (p63 of band) | |
| Noncurrent loans | 1.90% (p84 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 80.55% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 25.63% (p60 of band) | |
| Auto loans | $445,000 (1.01% of loans; DQ 1.57%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.1% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | wholesale funding >15% |  |
| 2014-03 | 3 | capital falling, charge-offs p90, reserve under noncurrent | wholesale funding >15% |
| 2014-06 | 2 |  | charge-offs p90 |
| 2014-09 | 0 |  | capital falling, reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-09 | 1 | wholesale funding >15% |  |
| 2016-12 | 1 | charge-offs p90 | wholesale funding >15% |
| 2017-03 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2017-06 | 2 | wholesale funding >15% |  |
| 2017-09 | 3 | loans exceed deposits |  |
| 2017-12 | 2 |  | loans exceed deposits |
| 2018-03 | 1 | charge-offs p90 | uninsured deposits leaving, wholesale funding >15% |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 1 | assets shrinking |  |
| 2018-12 | 0 |  | assets shrinking |
| 2019-03 | 1 | uninsured deposits leaving |  |
| 2019-06 | 3 | deposits shrinking, assets shrinking |  |
| 2019-09 | 2 |  | assets shrinking |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | deposits shrinking |
| 2020-06 | 1 | capital falling | uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | capital falling, charge-offs p90 |  |
| 2022-03 | 2 | noncurrent p90 | charge-offs p90 |
| 2022-06 | 3 | AOCI drag >20% of equity, reserve under noncurrent | capital falling |
| 2022-09 | 3 | securities losses >30% of equity | reserve under noncurrent |
| 2022-12 | 2 |  | noncurrent p90 |
| 2023-03 | 1 | uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  | uninsured deposits leaving |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 2 | wholesale funding >15%, uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 3 | capital falling, charge-offs p90, reserve under noncurrent | wholesale funding >15%, uninsured deposits leaving |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 3 | wholesale funding >15% |  |
| 2024-12 | 3 | capital falling | reserve under noncurrent |
| 2025-03 | 0 |  | charge-offs p90, wholesale funding >15%, capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 2 | wholesale funding >15%, capital falling | reserve under noncurrent |
| 2026-03 | 3 | reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2026-06 | 2 |  | wholesale funding >15% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-11 [ESL Federal Credit Union to consolidate Generations Bank locations in Auburn - auburnpub.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQY2xLVEdBS3hfWnpmUjRnQWdkYXptSGVwcDJCdmNPZzFRN3ZoWHExMDBKQVk0aEp1M3hOWHpsM3ZYTVZQNXNrbTlVOHgxaDRtRjI3WGdROTl5aGl6UzVmVW05SS1tdDFKOVc0aHdiaGF3Yk9aQ1VSbm5GaUJRTHJUNld3UjBRQVVSOG5tcS1hRTVCdkc5aWc?oc=5) · auburnpub.com
- 2021-02-25 [Generations Bank announces new market presidents in Fayetteville, Bentonville/Rogers - Talk Business & Politics](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOMDZxT05DajRtMzkwV0lqRTRtSks3Y3N4aGJuVG9uTkxmb0NjVmtJMHBnRjcxMnpRZWExb3FOdzFlY0NERTFUQ0V5c2x4a3JXN3dMNElGblZla3BoLWdZb3IzeEJDYzczQVdBV0lzUUJnNWw1UWZyMVB4UnF2WjBwQ0tYSWdnYXhsNVBsNGw2VVV3Szc4VGloMWRPS1c1X2l6amNibFJCQ1JqYkZ0QjRyS1BOQzU1YV8y?oc=5) · Talk Business &amp; Politics
- 2023-09-27 [Generations Bank Appoints Girard as COO - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5xWGRDWDh2TFNhY1ptWmM0SDhLb3BsZkpDdU9YOFVZYlNPdzFHeENEbzZLTVk5akRyUjBJck9iekNnenhRWTVXQjlWOHFvUWNUZUJac2hCMFc2M3FTZ0todDQwODBYQQ?oc=5) · Arkansas Money &amp; Politics
- 2026-01-05 [ESL completes $26.2M acquisition, expands regional footprint - rbj.net](https://news.google.com/rss/articles/CBMiowFBVV95cUxPUGRLeUlsX2JyVUJzT29FMXZLcldDWXBTS0RCMnVDbHp6bjNodmRTS25leVZxUjE2allKOGVBdV9BbnBQbTFCUXlBakRKdHJTR3lBQnVUbzRtMVBYb0Y3SkJXUHNzamZjVGdod21uUlYzUTljMGJDUXhkc084RzJDQm9fN2lIRFRJbnlvQy1wNnM1TmFtS2VSMTBIZmFfWUVCcTQ0?oc=5) · rbj.net
- 2021-11-22 [Generations Bank Names New Market Presidents (NWA Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOTE04OGdFTGJmYm85YzZLRUIwM1drRW94OEEtbURscTRYd2NPamxLV1pVRlNCeFFfRFZXTndtUGVZOEhUYVRYOElxa1hNUlJvd1JydkpLWEwxNDRxbkV6b1F2XzBLU2s1eVlZbnROb1BJbTRsYkFacHZJbWVfR1N6cVdoZVRmV1k3ell4VXp1UzItbHJjV1BFZHdCbW4zbWFLQm5iOVNTTmc?oc=5) · Arkansas Business
- 2023-08-23 [Generations Bank hires new market president for Rogers - Talk Business & Politics](https://news.google.com/rss/articles/CBMikgFBVV95cUxNVGNEbU1ybGhtNU9fYVdQOVFwR3hFbVEtdmptNDRXaHM5RzlTcG9zeTBqLUY4WEdpZWlsR3QwQ1VpQjdFczR5eGJzM3BJYnhha2hpdlRmbHlhWUtfV2plalA5eDlhN19tQUpES3lPaUFKellucWJuLUN4WDJ1Qi1zUlZBZFlSSVktUHc0WG9pSjNnZw?oc=5) · Talk Business &amp; Politics
- 2023-10-19 [Menzo Case: Remembering a dreamer and a fixer - Finger Lakes Times](https://news.google.com/rss/articles/CBMixgFBVV95cUxOTUVZNlNZQVEwbEd0dHRGdzNuNzBpNzVkZ1VmQ1laN3o3RDAySXFOUURTUkhvU3o4dklBMjJyT2JXeGZHdGpjTTFzMlBIUkpFZFBYQzVPYWtmUG9TZl9OMnBKeUtCakhXTUdERXNOZnBNeW5sczVQQ1o5bmwyZldIc2wxT185eFlhNmY0SDk3ZzJHSm9fUjNzSk1mUmlKZVBxQVdQR3YwN1NXaVdyZWJCZ2RRU1RUZkpZN1Bsd21LeVhvM0dsYlE?oc=5) · Finger Lakes Times
- 2021-10-02 [5 banks buying 16 Arvest branches - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiigFBVV95cUxPSFpqSGZ1ZWNRemNpMUQ5LTI0UHJzR3F1LV94UDYtWW9hOTdMOXNHdnNhVjBMOU9jcGxnRnFhellsTWVXTjlPbW92MFo4S1NQeEo2b003WWY1NlhLUVNYajNBRHYzMGR0VEZDNnUtd0hpQkI1czVGMXVKNGFwdm5vMG9IeXBZVEtBSUE?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14096 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "14096", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide