Generations Commercial Bank
Seneca Falls, New York · FDIC Cert #59149
This is the FDIC profile for Generations Commercial Bank, an FDIC-insured bank (Certificate #59149) with $19M in total assets and $10M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Seneca Falls, New York, the bank maintains a Tier 1 capital ratio of 226.87% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (98/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Generations Commercial Bank (FDIC cert 59149) is a community bank — $19M in total assets, $10M in deposits, serving the Seneca Falls, New York area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 226.87% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 98.3% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 1.54% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Generations Commercial Bank carries a composite BankHealth grade of A (98/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Generations Commercial Bank
- Total Assets
- $19M
- Total Deposits
- $10M
- Tier 1 Capital Ratio
- 226.87%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 98.28%
- Return on Assets
- 1.54%
- Headquarters
- Seneca Falls, New York
- FDIC Certificate
- #59149
- Health Grade
- A (98/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Generations Commercial Bank files quarterly Call Reports with the FDIC under Certificate #59149. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
Track Generations Commercial Bank
Subscribe for BankHealthData updates by email. No spam, unsubscribe anytime.
Capital & Safety Analysis
According to FDIC financial data, Generations Commercial Bank holds a Tier 1 capital ratio of 226.87%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Generations Commercial Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Generations Commercial Bank shows strong financial health indicators. With $19M in assets and a Health Score of 98/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Generations Commercial Bank Compares
Generations Commercial Bank’s Health Score of 98 is 18 points above the New York state average of 80 across 130 FDIC-insured banks. Its 226.87% Tier 1 capital ratio is 212.9 points above the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.54% is in line with or above the national ROA benchmark of ~1.1%. Among 121 similarly-sized banks, the average Health Score is 86, meaning this bank ranks above its size cohort. Site-wide, Generations Commercial Bank is 18 points above the portfolio average of 80.
Frequently Asked Questions
Generations Commercial Bank has a Bank Health Score of A (98/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 226.87%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Generations Commercial Bank's Tier 1 capital ratio of 226.87% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Generations Commercial Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #59149). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Generations Commercial Bank holds $19M in total assets and $10M in total deposits. It is headquartered in Seneca Falls, New York (FDIC Certificate #59149).
Generations Commercial Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #59149 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Generations Commercial Bank has a Tier 1 capital ratio of 226.87%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 1.54%.
Yes. Generations Commercial Bank is FDIC-insured (Certificate #59149). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Generations Commercial Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.