# GENERATIONS BANK
CENTRE, AL · FDIC certificate 58842 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $79.5M | |
| Deposits | $70.8M | |
| Loans and leases | $50.6M | |
| Total equity | $8.4M | |
| Loans / deposits | 70.58% (p51 of band) | 70.22% |
| Liquid assets / assets | 33.16% (p47 of band) | |
| Uninsured deposits / deposits | 30.93% (p94 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.92% (p58 of band) | 10.41% |
| Unrealized securities loss / equity | 0.23% (p50 of band) | 0.24% |
| AOCI / equity | 2.42% (p63 of band) | |
| ROA (annualized) | 0.88% (p57 of band) | 0.79% |
| Net interest margin | 3.89% (p66 of band) | 3.62% |
| Efficiency ratio | 79.01% (p62 of band) | |
| Noncurrent loans | 0.03% (p15 of band) | 0.88% |
| Net charge-offs (annualized) | -0.09% (p5 of band) | |
| Reserve coverage of noncurrent | 5107.69% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 80.01% (p92 of band) | |
| Auto loans | $215,000 (0.42% of loans; DQ 0.47%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.0% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 1 | capital falling |  |

## 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
- 2026-04-02 [HBCU All-Stars honors Indianapolis community leaders at awards ceremony - Indianapolis Recorder](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5pck9vbWwzemF0YmV0OEVYMk5wMDVYaXJaaUJmMXpQTE1WV2otVlNjc29fMEYwdGh6alJISk9DUFRDQkFMdEJHVlA5djhmX1FidDNtSkp1SzBPZzdvUUhn?oc=5) · Indianapolis Recorder
- 2024-09-02 [Academy Bank Plans On Entering Rogers - Arkansas Business](https://news.google.com/rss/articles/CBMihgFBVV95cUxOYzQ0SjJieWlfaG1Xa1h2SmMxcVhxMTlOZ1BvenFHMnc1amRpUUFVMnRBcm9oUlVZemtSU2ZvYjFkemF4Z2V1LUFHNWl1MUxSTGtpNmNoTEJYbER4NXdjU2pXQkNmRF9nNnR6SXlQczNzeTZrbEdXYkR3bTd1cEpOLURFMmlRZw?oc=5) · Arkansas Business
- 2021-04-08 [ATM stolen from Fayetteville bank. - 5newsonline.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxNYnBRQWQ1cC1yRXFhLTdabnNwalFKOVZ0cTB4S2Y2eU5Dcm9oek1JX0Z1QlkyQmYteWZnbHM2UUV4Q1JlX1JEbTBUWEpMVWItaUluM1RhTFhwS1I3eGE5cER3Y1BUaG9WejcwZzZNckRoNndKMDM4TXVSaHBuS2tEY1ZlQUFFcWdIRjlNZU15LW16WmttUEdIOWg5ekFVYVFxMlprN3ZOTG5ocUc3R2JNbXozMDNzS0twdEp3b2p3?oc=5) · 5newsonline.com
- 2022-08-07 [Longtime banker retires after 46 years - Talk Business & Politics](https://news.google.com/rss/articles/CBMifEFVX3lxTE5IOWhOZFdwc245eS1pdGVmRmp1T0gtcUMxblVMaGp5RG01dVB4b2JlWERUM1RoXzM2c0U0SFNZWExNaEE4SjE4RWxzcWdBVDBvejFJcWFZTDBQWlRmZVE0N1hpRnVXX0NHd25fNFBvUHd2YUt0WFVFbXkta3A?oc=5) · Talk Business &amp; Politics
- 2025-03-20 [Technological innovation in bank supervision: How SupTech disciplines bank risk-taking - CEPR](https://news.google.com/rss/articles/CBMiswFBVV95cUxOTlJBZWVGbS1GY1V3SE5CN2Y0eXRENXhnQUJ6emVLc3FackNEamdwekxjZEc1T25QNFF2TmxqdVBWQ1dNcWRkVWl2Q2FFQjdQOGJKTTV4RGNHX1hYbnAzUHdiUDE2WU4tSno4bVlmZ1JTRUNzcXZneUNpWE1IVmh3eEVxY0lpWHNYVE5nQW16TW5WQ3NJcWlFaG5WeWJpWVVQSlh3V0tIU1lLZmEtWmVRWVoybw?oc=5) · CEPR
- 2015-08-13 [In the same family for 4 generations, Bank of Kilmichael bucking the trend - djournal.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQQ29jYkV0NWtlX2ZlUUNNNEdjODdBQkZHX0JRVGxzRzljZm5GcnNnS2d4bDdGVWNyamJkdHl2cy1YRzhtX0xGLVVIQ0FENkQwcTM2WElibW1nMjk3YllXV1VCU3ktUDlCZjJkY2RIek9HaVRCNDV3anBVakRYd1JPd1AxS3lKV2hVZF9wSXhXaXlsZ3hfWGFzenMxUVdLNHNpRnFEa1g5X0lHZG1pNGQwWWM2YlNka3I5dDhZTW51SHBsVVA5My1nQlVIcVRpSWg1QWxiWTBxd0tEN0xSZUJqVGtR?oc=5) · djournal.com
- 2019-02-22 [Peoples Bank of Alabama merges with Generations Bank, banking app now available to all customers - AL.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFBDTzg4YTVEUXhCb1FjUDk3MkdZT2MzVnlCQ2k0QlROZV94U1ZWdjJtWG5qbFFaRjF2dmE1OWlMTzRnSVk5b2tBUlQ4dk5nTDl0U1pfbHUwaHZxaGxQeEFoTDM2VWc4cXYtdVVjNWtUckVIN0h3Tk05anVVQQ?oc=5) · AL.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58842 (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/26.json (key "58842", 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