BlastPoint's Banking Scorecard
Generations Bank
Micro
Specialty: Consumer
NY
FDIC cert 16040
Designations: ✓ Community bank
Seneca Falls, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Generations Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.22% below tier
- - Net Interest Margin 1.71% below tier
- - Efficiency Ratio 71.56% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$347.1M
-10.1% YoY
-2.5% QoQ
|
+$129.6M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$266.9M
-13.2% YoY
-4.0% QoQ
|
+$127.7M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$297.8M
-10.3% YoY
-1.7% QoQ
|
+$114.2M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
-1.14%
+2.0% YoY
-77.0% QoQ
|
-2.22% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
2.14%
+5.8% YoY
-6.5% QoQ
|
-1.71% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
139.29%
+0.0% YoY
+22.4% QoQ
|
+71.56% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
1.53%
+24.4% YoY
+41.5% QoQ
|
+0.89% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
89.62%
-3.2% YoY
-2.3% QoQ
|
+15.09% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
15.33%
-0.6% YoY
-11.8% QoQ
|
-7.06% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
1.18%
+20.1% YoY
+39.4% QoQ
|
+0.73% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
13.06%
+6.3% YoY
-1.4% QoQ
|
+4.21% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.25%
-26.9% YoY
-8.4% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.14%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.14%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
139.29%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Total Loans
Current: $266.9M · Tier avg: $139.2M
81
81th pctile
Total Deposits
Current: $297.8M · Tier avg: $183.7M
80
80th pctile
Total Assets
Current: $347.1M · Tier avg: $217.5M
64
64th pctile
Tier 1 Capital Ratio
Current: 13.06% · Tier avg: 8.85%
33
33th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.33% · Tier avg: 22.39%
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.62% · Tier avg: 74.53%
18
18th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.64%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.18% · Tier avg: 0.45%
3
3th pctile
Net Interest Margin
Current: 2.14% · Tier avg: 3.85%
2
2th pctile
Return on Assets
Current: -1.14% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 139.29% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 139.29% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.14% · Tier avg: 1.08%
3
3th pctile
Net Interest Margin
Current: 2.14% · Tier avg: 3.85%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.18% · Tier avg: 0.45%
18
18th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.64%
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.62% · Tier avg: 74.53%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.33% · Tier avg: 22.39%
33
33th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.06% · Tier avg: 8.85%
80
80th pctile
Total Assets
Current: $347.1M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $297.8M · Tier avg: $183.7M
87
87th pctile
Total Loans
Current: $266.9M · Tier avg: $139.2M