BlastPoint's Banking Scorecard
Generations Bank
Designations: ✓ Community bank
Exeter, NE
Generations Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 12.47% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Net Interest Margin 0.28% below tier average
- - Delinquency Rate 0.51% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$59.5M
+10.3% YoY
-4.4% QoQ
|
-$2.7M |
$62.2M
-0.6% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$44.6M
+16.2% YoY
-4.0% QoQ
|
+$10.4M |
$34.2M
-1.4% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
68% |
| Total Deposits ? |
$48.3M
+1.9% YoY
-0.5% QoQ
|
-$3.5M |
$51.7M
-0.7% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
0.66%
+19.2% YoY
-23.5% QoQ
|
-0.18% |
0.84%
-2.3% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
3.58%
-1.5% YoY
-6.4% QoQ
|
-0.28% |
3.86%
+2.8% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
75.87%
-4.6% YoY
+6.7% QoQ
|
-12.47% |
88.34%
+0.3% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
1.88%
+412.3% YoY
+89.5% QoQ
|
+0.51% |
1.37%
+33.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
92.49%
+14.0% YoY
-3.5% QoQ
|
+28.27% |
64.22%
-0.7% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.13%
+9.4% YoY
+1.3% QoQ
|
-0.59% |
23.71%
+0.3% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
1.41%
+439.4% YoY
+90.4% QoQ
|
+0.62% |
0.79%
+28.2% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
10.18%
+12.9% YoY
+2.3% QoQ
|
-16.50% |
26.68%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.6% in tier |
| Non-Interest Income / Assets ? |
0.11%
+3.8% YoY
-73.4% QoQ
|
-0.56% |
0.67%
+1.9% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
74% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.