No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $58.3M | $46.8M | $43.4M | $6.1M | $242K | 0.81% | 3.67% | 1.44% |
| Q1 2026 | $59.5M | $48.3M | $44.6M | $5.9M | $100K | 0.66% | 3.58% | 1.41% |
| Q4 2025 | $62.2M | $48.5M | $46.5M | $5.9M | $490K | 0.86% | 3.82% | 0.74% |
| Q3 2025 | $58.1M | $45.5M | $43.1M | $6.0M | $372K | 0.89% | 3.85% | 1.19% |
| Q2 2025 | $54.6M | $46.8M | $39.8M | $5.7M | $211K | 0.77% | 3.76% | 0.13% |
| Q1 2025 | $53.9M | $47.4M | $38.4M | $4.6M | $76K | 0.55% | 3.63% | 0.26% |
| Q4 2024 | $56.3M | $45.4M | $39.1M | $4.5M | $371K | 0.70% | 3.67% | 0.05% |
| Q3 2024 | $53.6M | $41.9M | $38.1M | $4.7M | $348K | 0.88% | 3.80% | 1.17% |
Loan mix (Q2 2026): real estate $28.2M · commercial $5.9M · consumer $1.4M · securities $10.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Generations Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.99% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 8.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 70.8% | 51th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Generations Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Generations Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Generations Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Generations Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.