Generations Community Bank: how it compares with its peers
Against 261 U.S. banks with half to twice its assets, Generations Community Bank's strongest measure in Q2 2026 is assets per employee ($1.7M vs. a $5.5M peer median). Its weakest relative measure is return on assets (-22.64% vs. 0.92%).
| Measure | Generations Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -22.64% | 0.92% | Bottom third Ahead of 1% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.32% | 3.84% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 1115.29% | 75.57% | Bottom third Ahead of 2% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $1.7M | $5.5M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 54.44% | 60.81% | Context |
What it means for lending operations
Its efficiency ratio of 1115.29% is above the 75.57% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Hopeton State Bank Hopeton, OK · $31M
- Vermont State Bank Vermont, IL · $31M
- Bank of Cattaraugus Cattaraugus, NY · $31M
- The First National Bank of Fleming Fleming, CO · $31M
- Dewey Bank Dewey, IL · $30M
- Lake Country Community Bank Morristown, MN · $32M
Questions about Generations Community Bank
How big is Generations Community Bank?
Generations Community Bank, established in 2026, is headquartered in Indianapolis, IN. It reported $31M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Generations Community Bank's return on assets?
-22.64% annualized in Q2 2026, against a 0.92% median for 261 U.S. banks with half to twice its assets, ahead of 1% of them.
What is Generations Community Bank's efficiency ratio?
1115.29% in Q2 2026: it spent about 1115 cents in noninterest expense for each dollar of revenue. The peer median is 75.57%, and lower is better.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.