Generations Bank


3710 W Southern Hills Blvd
Rogers, AR 72758
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 2.55% →
1-Year CD 0.50% 2.85% →
2-Year CD 0.55% 3.20% →
5-Year CD 0.90% 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Generations Bank is an FDIC insured institution located in Rogers, AR. It was founded in 1907 and has approximately $0.74 billion in assets. Customers can open an account at one of its 11 branches.

FDIC Insured Yes
FDIC Certificate # 88
Date Established 1907
Assets $ 743.47 million
Loans $ 552.29 million
Deposits $ 590.29 million
Capital $ 81.76 million

For a more detailed analysis of Generations Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 16, 2022

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.05% $2,500 $49,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
6 Mo CD
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.55% $10,000 $14,999 Learn More
24 Mo CD
0.55% $100,000 $199,999 Learn More
30 Mo CD
0.60% $1,000 $999,999 Learn More
30 Mo CD
0.80% $10,000 $14,999 Learn More
30 Mo CD
0.80% $100,000 $199,999 Learn More
36 Mo CD
0.70% $10,000 $14,999 Learn More
36 Mo CD
0.70% $100,000 $199,999 Learn More
48 Mo CD
0.85% $1,000 $999,999 Learn More
48 Mo CD
0.80% $10,000 $14,999 Learn More
48 Mo CD
0.80% $100,000 $199,999 Learn More
60 Mo CD
0.90% $1,000 $999,999 Learn More
60 Mo CD
0.90% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 16, 2022

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Generations Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
4.687% 4.625%
0.75 points
$1,800 fees
$1,286 Learn More
NMLS ID: 399798
5.454% 5.375%
0.88 points
$2,195 fees
$1,400 Learn More
NMLS ID: 2890
License#: 13256
4.853% 4.750%
0.75 points
$2,992 fees
$1,305 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

Note to Generations Bank
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Climate Initiatives

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Financial Details

Generations Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Generations Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Generations Bank U.S. Bank Average
1.21% 4.01%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2022, Generations Bank had $1,065,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $81,755,000 in equity and $6,194,000 in loans loss reserves. That gives it a Texas Ratio of 1.21%.

Return on Equity
Generations Bank U.S. Bank Average
11.43% 9.01%

Generations Bank has a Return on Equity of 11.43% versus the BestCashCow average of 9.01%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Generations Bank U.S. Bank Average
11% 10.66%

Generations Bank has a Capitalization of 11% versus the BestCashCow average of 10.66. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Generations Bank Balance Sheet Analysis

As of March 31, 2022, Generations Bank had assets of $743,472,000, loans of $552,286,000, and deposits of $590,289,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2022
Cash & Balances due from depository institutions $ 17.09 million
Interest-bearing balances $ 8.09 million
Total securities $ 127.44 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 552.29 million
Loan loss allowance $ 6.19 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 3.39 million
All other assets $ 26.77 million
     Total Assets $ 661.72 million
Total deposits $ 590.29 million
      Interest-bearing deposits $ 425.63 million
      Deposits held in domestic offices $ 590.29 million
      % insured (estimated) 67.90%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 65.68 million
Subordinated debt N.A.
All other liabilities $ 5.75 million
      Total Liabilities $ 661.72 million
      Shareholders’ Equity $ 81.76 million

Summary Income Statement

March 31, 2022
Total Interest Income $ 7.66 million
Total Interest Expense $ 0.55 million
Net interest income $ 7.10 million
Provision for loan and lease losses $ 0.30 million
Total non interest income $ 1.22 million
Total non interest expense $ 4.79 million
Pre-tax Net Operating Income $ 3.23 million

Bank Loan Profile?

The top three loan types in Generations Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Generations Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.28
Credit Card Loans 0.00
Consumer Auto Loans 0.58
Small Business Loans 0.00
Construction and Development Loans 15.29
Commercial Real Estate 32.97
Commercial and Industrial Loans 19.40
Farm Loans 0.23

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