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 Generations Bank
Generations Bank
| RSSD ID 442011 | CERTIFICATE 16040 | ABA NUMBER 221371194 |
| 19 Cayuga St |
Quarter Ended : |
2025-12-31 |
| Seneca Falls, New York, 13148 |
Updated : |
2026-01-24 |
| www.mygenbank.com |
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| Institution Profile |
| Year Opened : |
1870 |
Institution Type : |
Savings bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Consumer Lending Specialization |
| Number of Offices : |
10 |
Number of Employees : |
59 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 347,125 |
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Total Interest Income | 15,448 |
| Total Liabilities | 315,589 |
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Total NonInterest Income | 885 |
| Total Bank Equity Capital | 31,536 |
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Total Interest Expense | 8,252 |
| Total Deposits | 297,847 |
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Total NonInterest Expense | 11,256 |
| Net Loans & Leases | 266,923 |
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Net Income | (4,318) |
| Loan Loss Allowance | 2,733 |
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Net Charge Offs | 1,174 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 34,939 |
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Total loans | 275,722 |
| Total assets for the leverage ratio | 351,218 |
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Loans secured by real estate: | 183,592 |
| Tier 1 Leverage Ratio | 9.17 |
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Commercial and industrial loans | 8,389 |
| Tier 1 Capital Ratio | 13.06 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 14.17 |
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Loans to individuals - Other | 83,741 |
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:· Generations Bank
