# GENERATIONS COMMERCIAL BANK
SENECA FALLS, NY · FDIC certificate 59149 · asset band <$300M · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $9.5M | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $9.2M | |
| Loans / deposits | 0.00% (p2 of band) | 72.79% |
| Liquid assets / assets | 96.52% (p99 of band) | |
| Uninsured deposits / deposits | – | 19.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 112.13% (p100 of band) | 11.81% |
| Unrealized securities loss / equity | -12.14% (p36 of band) | -7.16% |
| AOCI / equity | 1.11% (p30 of band) | |
| ROA (annualized) | 0.99% (p45 of band) | 1.07% |
| Net interest margin | 1.96% (p2 of band) | 3.81% |
| Efficiency ratio | 34.02% (p1 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.35% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -100.0% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-12 | 1 | NIM <2.5% |  |
| 2019-03 | 3 | losing money, expense ratio p90 |  |
| 2019-06 | 4 | capital falling |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 7 | brokered >10%, wholesale funding >15%, leverage <7% |  |
| 2020-03 | 3 |  | losing money, expense ratio p90, capital falling, leverage <7% |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | brokered >10%, wholesale funding >15% |
| 2021-03 | 4 |  |  |
| 2021-06 | 5 | uninsured deposits >50% |  |
| 2021-09 | 4 |  | uninsured deposits >50% |
| 2021-12 | 3 | uninsured deposits >50% | assets shrinking, uninsured deposits leaving |
| 2022-03 | 5 | capital falling, assets shrinking |  |
| 2022-06 | 3 |  | deposits shrinking, capital falling |
| 2022-09 | 3 | AOCI drag >20% of equity | assets shrinking |
| 2022-12 | 2 |  | AOCI drag >20% of equity |
| 2023-03 | 3 | capital falling |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | deposits shrinking |  |
| 2024-12 | 2 |  | deposits shrinking |
| 2025-03 | 3 | deposits shrinking |  |
| 2025-06 | 3 | assets shrinking | uninsured deposits >50% |
| 2025-09 | 3 |  |  |

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

- 2018-12-20 [Banner year for de novos - American Banker](https://news.google.com/rss/articles/CBMibEFVX3lxTFBqZXFDRGJOX2Q1NWp0Q0dnZURSdF9qNGpDMm8xbGoxaEcwWE5oTXM4RVh6M2hmVjRRcjB4cDUyNzBtbjRNckRoX0JkQzNxNlNMVHVKYm9udUtDdW8zRWNER1ZBQUczTDFVY0h2Uw?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59149 (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/13.json (key "59149", 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