| Metric | Generations Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +5.5% | +1.2 pts |
| Deposit growth (YoY) | +6.6% | +5.1% | +1.5 pts |
| Loan growth (YoY) | +9.7% | +5.9% | +3.8 pts |
| ROA | 1.19% | 1.26% | -0.1 pts |
| ROE | 10.7% | 12.2% | -1.4 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.09B | $935.6M | $759.6M | $122.8M | $6.4M | 1.19% | 4.18% | 1.13% |
| Q1 2026 | $1.07B | $910.9M | $742.3M | $118.1M | $3.0M | 1.11% | 4.06% | 1.66% |
| Q4 2025 | $1.06B | $896.1M | $734.5M | $117.6M | $11.5M | 1.14% | 4.04% | 1.06% |
| Q3 2025 | $1.04B | $881.1M | $712.0M | $105.7M | $9.0M | 1.20% | 3.98% | 1.02% |
| Q2 2025 | $1.02B | $878.0M | $692.6M | $99.3M | $5.7M | 1.16% | 3.91% | 0.93% |
| Q1 2025 | $988.5M | $857.9M | $685.7M | $99.5M | $2.8M | 1.15% | 3.85% | 1.34% |
| Q4 2024 | $965.2M | $832.7M | $657.9M | $96.6M | $11.1M | 1.20% | 3.83% | 0.58% |
| Q3 2024 | $943.7M | $799.4M | $653.8M | $97.2M | $8.3M | 1.20% | 3.80% | 0.06% |
Loan mix (Q2 2026): real estate $691.2M · commercial $60.0M · consumer $15.2M · securities $231.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Generations Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.26% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 12.2% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 59.0% | 44th |
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.