TellerScore

Generations Bank is a state-chartered bank (fed member) headquartered in Rogers, Arkansas, in business for about 119 years. At the end of Q2 2026 it reported $1.1B in total assets and $935.6M in deposits, with 12 offices across 2 states.

Based on its Q2 2026 filing, Generations Bank scores 63/100, which we describe as moderate. That is higher than only 30% of 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 54th. Its strongest component is problem-loan coverage (82/100; 9.2%), and its lowest is loan quality (50/100; 1.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.51%
Loan quality50/100
Noncurrent loans ÷ total loans: 1.51%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 81.2% · 33.7% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.17%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 63).

TellerScore
546677Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202477
Q3 202477
Q4 202470
Q1 202559
Q2 202564
Q3 202564
Q4 202566
Q1 202654
Q2 202663
Tier 1 leverage ratio
5.00%8.28%11.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.00%
Q3 202410.95%
Q4 202410.76%
Q1 202510.83%
Q2 202510.61%
Q3 202510.64%
Q4 202511.42%
Q1 202611.56%
Q2 202611.51%
Noncurrent loans
0.07%1.18%2.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.07%
Q3 20240.08%
Q4 20240.82%
Q1 20251.89%
Q2 20251.34%
Q3 20251.34%
Q4 20251.39%
Q1 20262.29%
Q2 20261.51%
Return on assets
1.11%1.15%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.17%
Q3 20241.20%
Q4 20241.20%
Q1 20251.15%
Q2 20251.16%
Q3 20251.20%
Q4 20251.13%
Q1 20261.11%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$1.1B11.51%1.51%1.19%81.2%
Q1 202654$1.1B11.56%2.29%1.11%81.5%
Q4 202566$1.1B11.42%1.39%1.13%82.0%
Q3 202564$1.0B10.64%1.34%1.20%80.8%
Q2 202564$1.0B10.61%1.34%1.16%78.9%
Q1 202559$988.5M10.83%1.89%1.15%79.9%
Q4 202470$965.2M10.76%0.82%1.20%79.0%
Q3 202477$943.7M10.95%0.08%1.20%81.8%
Q2 202477$917.8M11.00%0.07%1.17%84.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.51%
70th
Total risk-based capital12.42%
36th
Problem loans1.51%
15th
Net charge-offs1.31%
3rd
Return on assets1.19%
45th
Net interest margin4.18%
77th
Efficiency ratio57.5%
56th
Loans to deposits81.2%
65th
Uninsured deposits33.7%
42nd
Loan-loss reserves0.91%
21st
Texas ratio9.2%
20th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
First Arkansas Bank and TrustBank Jacksonville, AR63 out of 100, Moderate$1.1B10.7%1.63%vs
First Service BankBank Greenbrier, AR59 out of 100, Moderate$1.0B9.1%0.50%vs
Anstaff BankBank Green Forest, AR79 out of 100, Strong$1.2B10.2%0.14%vs
Evolve Bank & TrustBank West Memphis, AR50 out of 100, Below average$1.2B12.9%1.88%vs
Legacy BankBank Springdale, AR65 out of 100, Moderate$1.3B8.8%0.10%vs
Fm Bank And TrustBank Blytheville, AR69 out of 100, Moderate$1.4B8.6%0.52%vs

Deposit insurance

Is my money safe at Generations Bank?

Yes. Generations Bank is an FDIC-insured institution (FDIC certificate #88). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.7% of deposits ($315.8M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.51%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.42% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Generations Bank lists 11 offices in 9 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Generations Bank reported 591 home-loan applications under HMDA (LEI 549300QWJ3UDIX8KBP64): 441 originated ($175,735,000 total), 56 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Generations Bank
Former names
First Bank; Calhoun County Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
88
RSSD ID
329345
Primary regulator
FED
Holding company
Harrell Bancshares Inc
Established
October 8, 1907
Headquarters
3503 S 55th St, Rogers, AR 72758
Employees
140

Quick answers

Generations Bank: common questions

Is Generations Bank FDIC insured?

Yes. Generations Bank is an FDIC-insured institution (FDIC certificate #88). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Generations Bank's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Generations Bank ever failed?

There is no failure record for FDIC certificate #88 in the FDIC failed bank list.

How many branches does Generations Bank have?

12 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Rogers

InstitutionScoreAssetsCapitalProblem loansCompare
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Peoples Community BankBank Greenville, MO83 out of 100, Strong$735.2M18.5%1.23%vs
Uark Federal Credit UnionCredit union Fayetteville, AR82 out of 100, Strong$81.9M13.2%0.32%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs
Grand Savings BankBank Grove, OK80 out of 100, Strong$1.0B12.0%0.63%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs