FDIC Cert #88 · Rogers, Arkansas · Est. 1907

Generations Bank - FDIC Bank Health Profile

A community-scale look at Generations Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.1B
Total assets
A
Health grade · Excellent
1.13%
Return on assets
13.3%
Tier 1 capital

Data updated July 2026

The verdict

Generations Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.31% Tier 1, profitable at 1.13% ROA, efficient (59% cost ratio).

#989
largest of 4,313 FDIC banks by assets
77th
percentile by asset size, nationally
13.31%
Tier 1 ratio - above the 10% well-capitalized line
53rd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 88 · AR A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1568/4307
  • PHOTO-FINISH The Exchange Bank of… · AL
  • TIER1-WELL 13.3% Tier 1
  • TEXAS-CLEAN 8.1% Texas
  • ROA-PAR 1.13% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: The Exchange Bank of Alabama, AL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Generations Bank

Lowest and highest poles plus nearest scored peers outside Arkansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Financial… · KY · …83/100Exchange Bank · GA · near83/100Farmers & Traders Ba… · KY ·…83/100Generations Bank · AR · this…83/100The Exchange Bank of… · AL ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Generations Bank · July 2026

What Generations Bank's Call Report plate shows

Generations Bank (FDIC Cert #88) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,568 of 4,307. Tier 1 capital prints at 13.31%, clearing the 10% well-capitalized line. The Texas Ratio is 8.12%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.13%. Balance-sheet scale is $1.1B, 989th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Exchange Bank of Alabama (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Generations Bank

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

Generations Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Generations Bank remains an active FDIC-insured reporter.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arkansas banks.

How Generations Bank's 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
Generations Bank's composite health score
Tier 1 Capital Ratio (13.31%) 35/40
Return on Assets (ROA) (1.13%) 20/25
Texas Ratio (8.12%) 16/20
Efficiency Ratio (58.59%) 12/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$896M

Customer-funded liabilities

Net Loans

$735M

Outstanding loan book

Net Income

$12M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.91% 13.31% 14.71%
Basel III capital ratios - Generations Bank

Where Generations Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Generations Bank's score of 83/100 falls in the highlighted band.

Generations Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 36% higher than 64% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Generations Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Generations Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Generations Bank's $1.1B falls in the highlighted band.

Safety ratios for Generations Bank

Tier 1 capital ratio
Well-capitalized 10%

13.31% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.31%
Texas Ratio
8.12%
Equity Capital
$118M

What these ratios mean →

Earnings posture at Generations Bank

Return on Assets (ROA)
53rd percentile nationally
1.13%
Return on Equity (ROE)
11.11%
Efficiency Ratio
58.59%

What these mean →

Income & expense at Generations Bank

$65M
Interest Income
$6M
Non-Interest Income
$26M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Generations Bank reports a Texas Ratio of 8.12% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.12% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Generations Bank on FDIC BankFind →

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

Top 5 banks in Arkansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.1B here), outside Arkansas so the neighborhood is not state containment.

The Freedom Bank of Virginia $1.1B · VA Partners Bank of New England $1.1B · ME Bank of Wisconsin Dells $1.1B · WI Border Bank $1.1B · ND

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Generations Bank (FDIC Cert #88) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Generations Bank Call Report profile · FDIC Failed Bank List · Arkansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
Bank OZKLittle Rock $40.8B A 1.78%
Arvest BankFayetteville $27.8B C 0.49%
Simmons BankPine Bluff $24.5B C -1.40%
Centennial BankConway $22.7B A 2.14%
First Security BankSearcy $8.4B A 1.81%
ENCORE BANKLittle Rock $3.6B C 0.19%
First Community BankBatesville $3.4B B 1.09%
Farmers Bank & Trust CompanyMagnolia $3.1B B 1.36%