# GENERATIONS BANK
ROGERS, AR · FDIC certificate 88 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $1.09B | |
| Deposits | $935.6M | |
| Loans and leases | $766.6M | |
| Total equity | $122.8M | |
| Loans / deposits | 81.19% (p36 of band) | 87.10% |
| Liquid assets / assets | 24.32% (p62 of band) | |
| Uninsured deposits / deposits | 33.75% (p58 of band) | 30.76% |
| Brokered deposits | 12.89% | |
| Wholesale funding | 15.41% (p81 of band) | |
| FHLB advances / assets | 2.52% | |
| Tier 1 leverage | 11.51% (p70 of band) | 10.50% |
| Unrealized securities loss / equity | -7.17% (p53 of band) | -7.75% |
| AOCI / equity | -0.14% (p62 of band) | |
| ROA (annualized) | 1.19% (p45 of band) | 1.26% |
| Net interest margin | 4.18% (p77 of band) | 3.70% |
| Efficiency ratio | 57.54% (p44 of band) | |
| Noncurrent loans | 1.51% (p85 of band) | 0.51% |
| Net charge-offs (annualized) | 0.92% (p97 of band) | |
| Reserve coverage of noncurrent | 60.36% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 133.99% (p96 of band) | |
| Auto loans | $2.1M (0.28% of loans; DQ 3.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 140 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, reserve under noncurrent |  |
| 2016-06 | 2 | charge-offs p90 | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 1 | construction >100% equity |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | wholesale funding >15%, capital falling |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 1 |  | wholesale funding >15%, capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | deposits shrinking |  |
| 2020-06 | 3 | loans exceed deposits, wholesale funding >15% | deposits shrinking |
| 2020-09 | 3 |  |  |
| 2020-12 | 0 |  | construction >100% equity, loans exceed deposits, wholesale funding >15% |
| 2021-03 | 2 | capital falling, construction >100% equity |  |
| 2021-06 | 0 |  | capital falling, construction >100% equity |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, construction >100% equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | capital falling |
| 2023-03 | 2 | wholesale funding >15% |  |
| 2023-06 | 3 | brokered >10% |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | uninsured deposits leaving |  |
| 2024-03 | 5 | capital falling |  |
| 2024-06 | 4 |  | capital falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 | capital falling | uninsured deposits leaving |
| 2025-03 | 5 | noncurrent p90, reserve under noncurrent | capital falling |
| 2025-06 | 4 |  | noncurrent p90 |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 6 | noncurrent p90, charge-offs p90 |  |
| 2026-06 | 5 |  | noncurrent p90 |

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

- 2025-11-21 [Gage Parker appointed new Regional President for Generations Bank in South Arkansas - camdenarknews.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPT0xNbDBLQ0FFNHlnT2dyVTQ0MHpoOG5pcWpLUWJqd2lGTUFWVmcydG9VWXEwRFI2Vm02dTlROURwa1BnQnRVOVItcUVQVFkwSFg4ZV94aTV4a2NETVlJOGVGZldOXy1ianIyMVI3MGpFTUpjYUdRcWllcnpoQmpraGM3ZXcyazRwcDJ5bTlJam9LalU3YW4yN08wZWo?oc=5) · camdenarknews.com
- 2025-12-15 [Generations Bank Adds $25M for Market Growth - Arkansas Business](https://news.google.com/rss/articles/CBMijgFBVV95cUxOcmY4UENublZCWjNQdm1mVERoWVVISmpIckdkejZHQ1IzRTEzaVg0VU1vcDdzNm1Iakc4UUtZYWQ5ZEEzQzItdWg5MUUxSTdhVzU3aThLVVMwZ01sUHNGMVVjN0pwUUNfOWlPMXd6SkhNVm1EWW1MbXdPWjBSYUxLV0lpSE5CZWxuS3lnajh3?oc=5) · Arkansas Business
- 2025-02-12 [Generations Bank to relocate corporate office, open branch - Talk Business & Politics](https://news.google.com/rss/articles/CBMilgFBVV95cUxNLWl6eVpERGJrOXB0ZVhoSl9INWVLaVlqWXNCSkxxSnRlekt6QXlOdGZBUlNqaWkzOUtJck41WHVhWVRWZUNQQ1doUEtDX1lia0ZtSFpBSHVIYzZqREF1dTVldG1PQ2FrRmFUMTJaTFlNbWJ2Y25zUHJsVF9sRFhINEJHNnBaWW5IQzNKX0gwajRLSl91WkE?oc=5) · Talk Business & Politics
- 2022-01-14 [Generations Bank Names Torres as Siloam Springs Market President - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiekFVX3lxTE81OEFWTkw1TmZZVVJDcThNWV9rQ2VYTUZFVVRWbnl3TFBFbm5oZk5lVmZRYVNqeTZoUnFXZHN2ZU5ZY0NPLTJBckp2LWEwaWozTmtwWG9pT1hwVUFyalZIWDFxRUsyVExtSW5xMzR3dnl2TDN5MWVjRDJn?oc=5) · Arkansas Money & Politics
- 2023-12-28 [Man robs Van Buren bank - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMidkFVX3lxTE0tdnhMRHJQU19OQkM3WFpHM2NhTjBVdFhjdjhqdm4tc3Q0eE41N0tZdGFoOUlBU0JVNnhseHdGWE1sOEhfRlgyci13OHBGc0cyLVV5LXl2dDZlSUQ0MDR5bDlpLVBuTmtPVmlKUEpKTUVDTU1CaEE?oc=5) · Northwest Arkansas Democrat-Gazette
- 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 & Politics
- 2023-09-27 [Generations Bank Appoints Girard as COO - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5xWGRDWDh2TFNhY1ptWmM0SDhLb3BsZkpDdU9YOFVZYlNPdzFHeENEbzZLTVk5akRyUjBJck9iekNnenhRWTVXQjlWOHFvUWNUZUJac2hCMFc2M3FTZ0todDQwODBYQQ?oc=5) · Arkansas Money & Politics
- 2023-11-06 [Bank CFO: Sandy Ferguson, Generations Bank - Arkansas Business](https://news.google.com/rss/articles/CBMiigFBVV95cUxPLS1ITHBVSWtOTkRKU3ZSMjY1cUhBeFF5TmEtbGxCaWRmUE5XbUVhbU5QZHlabDhrdE9YbGcxQ0c4ckNKUFFPNmJZU01YSzNnWE1tVV9JUnJHOHRiajNHYkh4eDlqMW1XQi1KU0pxUng3YVNRdkI0aVl3S0tfWmxFVml6V3JyWHI3cHc?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=88 (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/24.json (key "88", 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.

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