Generations Bank is a bank based in Seneca Falls, New York, established in 1870, with $347 million in total assets across 1 branch. By Trust Grade it ranks 103rd of 118 banks we track in New York. Its capital ratio of 9.1% trails most similarly sized banks (31th percentile), versus a New York median of 10.4%. It posted a loss over the most recent period (-1.14% return on assets), a point to watch. No consumer complaints against Generations Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Generations Bank compares to New York peers
How we graded Generations Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.1% capital ratio)
- Unprofitable over the period (ROA -1.14%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Generations Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 19 Cayuga St, Seneca Falls, NY 13148
Are deposits at Generations Bank insured?
Yes. Generations Bank is an FDIC-insured bank (FDIC certificate #16040). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Generations Bank: frequently asked questions
Is Generations Bank a good bank?
Generations Bank earns a Bankzia Trust Grade of C (76/100, "Average"), based on a financial-strength score of 76/100 (it has no CFPB complaints on record). Strongly capitalized (9.1% capital ratio); Unprofitable over the period (ROA -1.14%).
Is Generations Bank FDIC-insured?
Yes. Generations Bank is a FDIC-insured bank (FDIC certificate #16040). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Generations Bank?
Generations Bank holds $347 million in total assets, ranking 103rd of 118 banks we track in New York. It operates 1 branch.
Does Generations Bank have CFPB complaints?
No CFPB complaints against Generations Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
