# GENERATIONS COMMUNITY BANK
INDIANAPOLIS, IN · FDIC certificate 59365 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $30.9M | |
| Deposits | $5.6M | |
| Loans and leases | $3.1M | |
| Total equity | $25.1M | |
| Loans / deposits | 54.44% (p24 of band) | 73.59% |
| Liquid assets / assets | 84.49% (p97 of band) | |
| Uninsured deposits / deposits | 40.45% (p93 of band) | 19.81% |
| Brokered deposits | 11.04% | |
| Wholesale funding | 11.04% (p85 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 86.24% (p97 of band) | 11.76% |
| Unrealized securities loss / equity | -0.17% (p88 of band) | -6.57% |
| AOCI / equity | -0.17% (p61 of band) | |
| ROA (annualized) | -22.64% (p0 of band) | 1.17% |
| Net interest margin | 2.32% (p4 of band) | 3.93% |
| Efficiency ratio | 1115.29% (p100 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $31,000 (1.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 18 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2026-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2026-06 | 4 | brokered >10% |  |

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

- 2026-04-27 [Generations Community Bank opens in Indianapolis, marking a historic milestone for Indiana - Mirror Indy](https://news.google.com/rss/articles/CBMieEFVX3lxTFBteTZTNHNma3Y4aHRnRVhZNExKemE2czZZYjhIMEZ6dlNnc01EVnV6dUFhME1Ubm5EdGNac0Fpa3NKMlk0cGZYQlY5LVBvczllZXVpcnR3d0EyLXFsV1p4WlQ3NmNZVUloMnVFOS1UeTMwV3k0a25qag?oc=5) · Mirror Indy
- 2026-05-01 ['We want to empower you' | Indiana's only minority-owned depository institution opens on Indianapolis' north side - WTHR](https://news.google.com/rss/articles/CBMi_AFBVV95cUxNTjU4VTJwaXBwNDRjMDNtWGpOU2ZyM1J1dnpNX2hoNzlFRmRNblRHSThiWlhEemljUGZfT0N5dWd6TjRRb043WTJFdzdDLWFQbjFNbWNqbzB1TkQwU25HLXRGcFhEcVpfQlE4ZnFMTWt4MW1jQmMzMElHdTBpT3hrMmFxYXdBTEhoaEtVeVNRaTkyN05CWVpSbkxWWDQ2MDlqcm4yWkRpZS1ZWjlMSFF6MGpveS1pNnVTOTJKZEgzSm9hZlpqdGlGMjllVzRSeVR0RmJ5MkRJcmV2c0N3QW1zZDk0WjVVdG0weElvVXdPZG0xQlN5dTh0WlFuSHc?oc=5) · WTHR
- 2026-05-15 [Generations Community Bank Celebrates Grand Opening in Indianapolis - Building Indiana Business](https://news.google.com/rss/articles/CBMirgFBVV95cUxQSmJvRXZNWTVScXRRTUpRRUxnM3A1VlIyamYtYlBuNnhXTkZERmZDU2JVWUMxSFJsc0JIV1drV2s1NUl5Mkl0QzlaZmNSVG1SdUU0SFJVeTY4SVZKakxqYmVGZ0o4RU9oZHpXUk1NcmI5YXFYa2dpQU5jU3pkcTVVdFl2UUFKZFdWUmJuQlVYT3R5d3AyWl9jTXBuWVNhdmdmY1hNV2kyRU9HZWtqbWc?oc=5) · Building Indiana Business
- 2026-04-23 [Generations Community Bank launches as state’s first startup bank since 2008 - ibj.com](https://news.google.com/rss/articles/CBMickFVX3lxTE1ubE9pNS1GcG5oQU1KaVBXOXlLeWtRakhVVkxVVUF1clU4cEdjTzZhZ2xkaEloeFd0alV4X0x2ZlpVcVpxUHNYN01hRU5PcmdkV1pHcWtGM0ROZXVsVEhhUFU5R3k4cGpsWEdraVlYQnVTUQ?oc=5) · ibj.com
- 2026-04-27 [Generations Community Bank, Indiana's First Minority Depository Institution, Opens In Indianapolis With $29M In Backing - afrotech.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNeDJxdUhPclp2c2phME9VdmpvMnUtWXZyRzU5T1VvZGYxeTlLMzFmTmp4UWpKMjFKVE1wVHZwVTd2RlV0eVYzaU41VGdXeWZnaW1FTktWaDdRM0ZIMGd2RTczRGRzTll3T2Jybm85dHRoU2lfRGE3Y2tVcmhKam5qS0NHbW9mS2w2YklUX3pTWVE4Qnc?oc=5) · afrotech.com
- 2026-04-27 [Indiana's first minority depository institution opens in Indy - Axios](https://news.google.com/rss/articles/CBMisgFBVV95cUxOSTJ6SVJEeVZzOU9xUlA4VkdkOXVYbTExQ0xTZE9pYTU4Sm5ZdmNhdUE1NTVwWjNOSFNiTmV6a25qZXNuZ3hNRFF5TUFfcG0wNTd0MmpKbFNvSXVucHQ1SzZjQjlEaXFMRDQ4clZGZGRTZEVVTDdpLURNVGJVcVhVUmZCNlpVeVFXdjdBUnBRT3BNQnVCNnh4WjJNVWJibjRXM3JjbDhTWWNXYmg5U29DN0pn?oc=5) · Axios
- 2026-05-31 [Generations Community Bank Wants to Bring Economic Mobility to Underserved Communities - WISH-TV](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNRHNJZGxFSTA3bGM1blduQlhxU0FXWTRNNlhHbnlJMm1IclRhbXU0Z0tIMEtHaUhPaGo1TFlkcEJNUWc3NzhSVmZDR2pCOTQ1OUhMTmVzUDlfMFdRNnJ5R2JtN1p5c3dHWnRUQTJoNE52ajZrMTkxQWlDdHdFWmN4a3BOVXMzZnlWcXN5UUNuSzJ2WklBcXhCcWthazBKWG9hMVF0Y0x4WkpyT0NWQk1NOF9ieVBZcUl1UVU4?oc=5) · WISH-TV
- 2026-04-28 [Generations Community Bank Is Indiana's First Minority Depository Institution — Organizers Exceed Fundraisng Goals - Black Enterprise](https://news.google.com/rss/articles/CBMidkFVX3lxTE4tXzdFT2pNOGQ2ZlZVUHIyNjgwSTl6SHAtV0EzTXROZHNTZE1YWVBHWTdmRUVuU21ncEVvbC1waDA3VWJVYmpTV2dOVWRHY1l2OGZTUHdoOXEwcEFGekRyb1dfS0JiYkMxV0FsVXhUbnhzVDBpeUE?oc=5) · Black Enterprise

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59365 (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/37.json (key "59365", 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