BlastPoint's Banking Scorecard
Generations Community Bank
under $100M
Specialty: Other
IN
FDIC cert 59365
Designations: ✓ Community bank
Indianapolis, IN
536
banks in the under $100M peer group nationally
7 in IN
View under $100M leaderboard (IN) →
Generations Community Bank has 2 strengths but faces 4 concerns
Key Strengths include matched growth signatures,
metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures,
metrics ranked in the bottom 10%, and values meaningfully below the tier average.
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 23.64% below tier average
- - Net Interest Margin 1.60% below tier average
- - Efficiency Ratio 995.89% above tier average
- - Non-Interest Income / Assets 1.36% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$30.9M
+18.6% QoQ
|
-$31.5M |
$62.4M
-0.0% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
Bottom 12.5% in tier |
| Total Loans ? | $3.0M | -$31.8M |
$34.9M
-0.6% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.7% in tier |
| Total Deposits ? | $5.6M | -$46.0M |
$51.6M
-0.2% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 3.9% in tier |
| Return on Assets ? |
-22.64%
+41.3% QoQ
|
-23.64% |
1.00%
+3.5% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 0.4% in tier |
| Net Interest Margin ? |
2.32%
+81.8% QoQ
|
-1.60% |
3.91%
+2.3% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
Bottom 5.2% in tier |
| Efficiency Ratio ? |
1115.29%
-66.4% QoQ
|
+995.89% |
119.40%
+49.6% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? | 54.44% | -19.77% |
74.21%
+12.6% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
7.17%
+21.8% QoQ
|
-16.32% |
23.49%
+0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 11.9% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
86.24%
-12.7% QoQ
|
+59.11% |
27.13%
+3.0% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
Top 4.9% in tier |
| Non-Interest Income / Assets ? | 0.02% | -1.36% |
1.38%
+6.3% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
Bottom 5.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
7.2%
+1.3pp QoQ |
-17.5pp | 24.6% | 16.8% | 22.2% | 7% |
| Brokered Deposits | 61.0% | +51.2pp | 9.8% | 7.2% | 8.5% | 99% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 11.1% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 36.2% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 40.0% | 31.3% | n/a |
| Consumer | 1.0% | -6.7pp | 7.7% | 3.2% | 5.0% | 12% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.5% | 19.7% | n/a |
| Leverage Ratio |
86.2%
-12.6pp QoQ |
+68.5pp | 17.7% | 13.0% | 12.6% | 98% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
+2 (+12.5%) QoQ |
+6 | 12 | 237 | 482 | 84% |
| Assets per Employee ($) |
$1.7M
+5.4% QoQ |
-$4.5M | $6.2M | $7.5M | $8.8M | 3% |
| Branch Count |
1
0 QoQ |
-1 | 1 | 17 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 6.71x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-25.3%
+13.5pp QoQ |
-31.7pp | 6.4% | 11.2% | 11.6% | 3% |
| Cost of Funds (YTD) | 0.2% | -1.3pp | 1.4% | 1.8% | 1.7% | 3% |
| Net Income ($, YTD) |
$-3224000.0
— QoQ |
-$3.5M | $317,817 | $16.3M | $40.4M | 0% |
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$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
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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 are growth signatures this bank matches
(e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches
(e.g. Margin Compression, Credit Quality Pressure).
Strengths (0)
No matched strength signatures this quarter
Concerns (0)
No matched concern signatures this quarter
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.
Strengths are metrics in the top 25%
(75th percentile or higher).
Concerns are metrics in the bottom 25%
(25th percentile or lower).
Top Strengths (3 metrics)
1
Delinquency Rate
credit_quality
Value:
0.00%
Peer Median: 1.48%
#1 of 517
Top 0.1% in under $100M
1
Nonperforming Asset Ratio
credit_quality
Value:
0.00%
Peer Median: 0.84%
#1 of 536
Top 0.1% in under $100M
27
Tier 1 Capital Ratio
capital
Value:
86.24%
Peer Median: 27.13%
#27 of 536
Top 4.9% in under $100M
Top Weaknesses (8 metrics)
535
Return on Assets
profitability
Value:
-22.64%
Peer Median: 1.00%
#535 of 536
Bottom 0.4% in under $100M
532
Efficiency Ratio
profitability
Value:
1115.29%
Peer Median: 119.40%
#532 of 536
Bottom 0.9% in under $100M
516
Total Deposits
size
Value:
$5.59M
Peer Median: $51.62M
#516 of 536
Bottom 3.9% in under $100M
512
Total Loans
size
Value:
$3.05M
Peer Median: $34.89M
#512 of 536
Bottom 4.7% in under $100M
509
Net Interest Margin
profitability
Value:
2.32%
Peer Median: 3.91%
#509 of 536
Bottom 5.2% in under $100M
508
Non-Interest Income / Assets
revenue_mix
Value:
0.02%
Peer Median: 1.38%
#508 of 536
Bottom 5.4% in under $100M
473
Non-Interest-Bearing Deposit Share
funding
Value:
7.17%
Peer Median: 23.49%
#473 of 536
Bottom 11.9% in under $100M
470
Total Assets
size
Value:
$30.90M
Peer Median: $62.44M
#470 of 536
Bottom 12.5% in under $100M