# GENERATIONS BANK
SENECA FALLS, NY · FDIC certificate 16040 · asset band $300M-1B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $347.1M | |
| Deposits | $297.8M | |
| Loans and leases | $269.7M | |
| Total equity | $31.5M | |
| Loans / deposits | 89.62% (p71 of band) | 81.53% |
| Liquid assets / assets | 12.82% (p10 of band) | |
| Uninsured deposits / deposits | 9.96% (p5 of band) | 25.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.99% (p55 of band) | |
| FHLB advances / assets | 4.99% | |
| Tier 1 leverage | 9.17% (p18 of band) | 10.58% |
| Unrealized securities loss / equity | -7.39% (p51 of band) | -7.83% |
| AOCI / equity | 5.60% (p59 of band) | |
| ROA (annualized) | -1.14% (p1 of band) | 1.16% |
| Net interest margin | 2.14% (p2 of band) | 3.74% |
| Efficiency ratio | 139.29% (p99 of band) | |
| Noncurrent loans | 1.52% (p84 of band) | 0.37% |
| Net charge-offs (annualized) | 0.31% (p94 of band) | |
| Reserve coverage of noncurrent | 66.76% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $11.3M (4.19% of loans; DQ 2.54%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -10.3% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 | loans exceed deposits | reserve under noncurrent |
| 2011-12 | 0 |  | securities losses >30% of equity, loans exceed deposits |
| 2012-03 | 0 |  |  |
| 2012-06 | 3 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2012-09 | 3 | wholesale funding >15% | capital falling |
| 2012-12 | 1 |  | uninsured deposits leaving, wholesale funding >15% |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2013-12 | 2 |  | loans exceed deposits |
| 2014-03 | 1 |  | wholesale funding >15% |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | loans exceed deposits |
| 2015-06 | 3 | charge-offs p90 |  |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 3 |  | capital falling |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | expense ratio p90 |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 6 | loans exceed deposits, losing money |  |
| 2017-03 | 5 | capital falling | expense ratio p90, losing money |
| 2017-06 | 5 |  |  |
| 2017-09 | 4 |  | loans exceed deposits |
| 2017-12 | 3 |  | capital falling |
| 2018-03 | 3 | expense ratio p90 | reserve under noncurrent |
| 2018-06 | 3 |  |  |
| 2018-09 | 5 | losing money, reserve under noncurrent |  |
| 2018-12 | 6 | capital falling, securities losses >30% of equity | wholesale funding >15% |
| 2019-03 | 3 | liquid assets <10% | charge-offs p90, losing money, capital falling, securities losses >30% of equity |
| 2019-06 | 4 | noncurrent p90 |  |
| 2019-09 | 3 |  | liquid assets <10% |
| 2019-12 | 4 | capital falling |  |
| 2020-03 | 4 | losing money | capital falling |
| 2020-06 | 2 |  | noncurrent p90, losing money |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | uninsured deposits leaving |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2022-03 | 1 |  | expense ratio p90, charge-offs p90 |
| 2022-06 | 2 | expense ratio p90 |  |
| 2022-09 | 3 | noncurrent p90 |  |
| 2022-12 | 4 | wholesale funding >15% |  |
| 2023-03 | 6 | brokered >10%, capital falling, losing money | noncurrent p90 |
| 2023-06 | 6 | liquid assets <10% | capital falling |
| 2023-09 | 6 |  |  |
| 2023-12 | 7 | capital falling, NIM <2.5% | liquid assets <10% |
| 2024-03 | 6 | charge-offs p90 | brokered >10%, capital falling |
| 2024-06 | 4 |  | reserve under noncurrent, wholesale funding >15% |
| 2024-09 | 6 | liquid assets <10%, reserve under noncurrent |  |
| 2024-12 | 9 | capital falling, deposits shrinking, assets shrinking |  |
| 2025-03 | 7 |  | liquid assets <10%, capital falling |
| 2025-06 | 8 | uninsured deposits leaving |  |
| 2025-09 | 8 |  |  |
| 2025-12 | 8 |  |  |

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

- 2026-01-05 [ESL completes $26.2M acquisition, expands regional footprint - rbj.net](https://news.google.com/rss/articles/CBMiowFBVV95cUxPUGRLeUlsX2JyVUJzT29FMXZLcldDWXBTS0RCMnVDbHp6bjNodmRTS25leVZxUjE2allKOGVBdV9BbnBQbTFCUXlBakRKdHJTR3lBQnVUbzRtMVBYb0Y3SkJXUHNzamZjVGdod21uUlYzUTljMGJDUXhkc084RzJDQm9fN2lIRFRJbnlvQy1wNnM1TmFtS2VSMTBIZmFfWUVCcTQ0?oc=5) · rbj.net
- 2026-01-04 [ESL Completes Acquisition of Generations Bank - Finger Lakes Daily News](https://news.google.com/rss/articles/CBMioAFBVV95cUxNTkJQQ3hZazZwZlF5akZtY0xQa19rZG5HNWV4VmU0d3hxMTd1dm01VEpOaDA5WVNoVExDb0FCNS1iQTlWZjlyRkROQ3lieDhQam5vYUg4YUFrbUZ4bm1XMDFHQ1hZNWJZTFlFbWNucWs3ZzJxQWJTWmNWalRiMEVXend0aEJuOUdmOWdrd01hTEhPMGpmU1IwM2FCbUhyQ05H?oc=5) · Finger Lakes Daily News
- 2026-01-02 [ESL Federal Credit Union starts in Medina at former Generations Bank site - Orleans Hub](https://news.google.com/rss/articles/CBMingFBVV95cUxNbTNtQ3J1Mm5peFh5eFJ3MU03dWNURzBCdTVNWFlIb1kzVGtqSl9Ja0NwZzU5NWMtaDd0NkF5VWl1OEtqVTlnbXZkTUxNMDFzbFZUYnhtQ1RoV0NocmZRM1g2SFAwRlRQSmtGdW5YazFUX1h6ZThJZFpvaVJoUHJreWplLUx1T2lPMkVMRHNzNkg0Y3JoTjV4c20zWXk0dw?oc=5) · Orleans Hub
- 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
- 2024-09-24 [Rochester-Based ESL Federal Credit Union Announces Acquisition of Generations Bank - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPb0pvdVpxVEUtZ0c4RGRrRmZXUlgxakIxOTVtcnJrRVdWeVNxc2pmSi1ybVlzMWs2d0pNVkVlSkFVakp6TThvS1RUOFdtMk5tblNoX3Z4M0xHR2huTW9TY1kzQ25Ub3UzclNNZnUwNlR5cGdYaDdEaUNtNENUd3lBeHkxM0ZpUXQ2MGtRNXZCcmZqVzF2YWZVUXJlQ2Z4SWdtMXVJSVhCckdQWDVnV2lYVExPby0tOHhCRXZyTF9IeV85TUZGQ2x1NHJFdURBQUJiOVFIWQ?oc=5) · PR Newswire
- 2024-09-24 [NY credit union-bank tie-up pushes 2024 to brink of M&A record - Banking Dive](https://news.google.com/rss/articles/CBMikwFBVV95cUxNeTdUemZUVXQ1N2lBVTVHLTNRdTAwQ3A0cnkyclhiRGF4US1xVVh0aWJSS0Q4cE9HX1BWMm5Id2dfOUdyeElsR2J2VnNtendiV3FrTDVGTTlMYWlVbFl5OFBXc1kxSFY3eExxZGVSU2tEak9YMWc4Z3dGajJ4ZV9FQ0hFUWFZU19TdzRNWWp4aVlJX1E?oc=5) · Banking Dive
- 2025-10-22 [Generations Bank presents $50K in grants to non-profits in Orleans County - Orleans Hub](https://news.google.com/rss/articles/CBMinAFBVV95cUxQRlNFX0VSUlVhODZpVlBzQUdNRnpSRDJwUXdmN3NxZzFUcE9jeUVxUFU0Y05MRjl4YVZuOW9CQ3RGdG14NUQ1RV9KMm52Wm5mU1FULVNoS3JaRlNNalRNNFFtQm9JOHJpY2I5OHhkcjFoMU5tczR4R09HYzEzRFNZN1EyTC1fVnFwWnF3TmJaZmlBS3BUWmNMMTFMLWU?oc=5) · Orleans Hub
- 2024-09-24 [ESL acquiring Generations Bank for $26.2 million - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxPZkg4UkVtSGlBamhzWHZsSzMtWWZEeS1EMFpmVjhva0pPQTBmMkFIU18yLWpnenE3U3B4MEs5Yk9INE1WVFFGLUIwTF9iNTlsVkJoYWVzdFNIcFFRMGREaW5aVU9JU05IQ1B0VFBSbGNUNGdEdXR4LVh5VUNWYl9YUTE5dzBFYmljSzh4NWhQeTRDUmtYWUdWZHZEVjhzSWlFMFhydlR4aXFKRVMzcEhiTVRn?oc=5) · spectrumlocalnews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16040 (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/40.json (key "16040", 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