BlastPoint's Banking Scorecard
Generations Bank
Designations: ✓ Community bank
Rogers, AR
13 branches across AR · MO
Generations Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.24% above tier average
- + Efficiency Ratio 1.83% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.42% above tier average
- - Nonperforming Asset Ratio 0.99% above tier average
- - ROA 0.26% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+8.5% YoY
+0.7% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
Bottom 7.5% in tier |
| Total Loans ? |
$742.3M
+8.3% YoY
+1.1% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.2% in tier |
| Total Deposits ? |
$910.9M
+6.2% YoY
+1.7% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.8% in tier |
| Return on Assets ? |
1.11%
-3.8% YoY
-2.5% QoQ
|
-0.26% |
1.37%
+19.6% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
40% |
| Net Interest Margin ? |
4.06%
+5.5% YoY
+0.4% QoQ
|
+0.24% |
3.82%
+6.9% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
59.23%
-2.4% YoY
+1.1% QoQ
|
-1.83% |
61.06%
-4.6% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
51% |
| Delinquency Rate ? |
2.31%
+20.8% YoY
+64.5% QoQ
|
+1.42% |
0.89%
+14.1% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.6% in tier |
| Loan-to-Deposit Ratio ? |
81.49%
+2.0% YoY
-0.6% QoQ
|
-2.72% |
84.20%
+0.3% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
13.71%
-6.7% YoY
-4.9% QoQ
|
-7.58% |
21.29%
-2.5% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? |
1.66%
+23.8% YoY
+57.1% QoQ
|
+0.99% |
0.67%
+15.6% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.9% in tier |
| Tier 1 Capital Ratio ? |
14.12%
+1.2% YoY
+6.2% QoQ
|
-1.04% |
15.16%
+2.0% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.16%
+15.0% YoY
-71.0% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
57% |
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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.