Side-by-side · Q2 2026 data
Generations Bank vs Legacy Bank
Metric by metric
| Measure | Generations Bank | Legacy Bank |
|---|---|---|
| TellerScore | 63 | 65 (stronger) |
| Capital cushion | 65 (stronger) | 38 |
| Loan quality | 50 | 97 (stronger) |
| Earnings | 68 | 76 (stronger) |
| Funding & liquidity | 58 (stronger) | 28 |
| Problem-loan coverage | 82 | 97 (stronger) |
| Peer percentile | 30th | 36th |
| Total assets | $1.1B | $1.3B |
| Deposits / shares | $935.6M | $1.1B |
| Capital ratio | 11.51% (stronger) | 8.85% |
| Problem loans | 1.51% | 0.10% (stronger) |
| Net charge-offs | 1.31% | -0.01% (stronger) |
| Return on assets | 1.19% | 1.40% (stronger) |
| Loans ÷ deposits | 81.2% (stronger) | 93.7% |
| Uninsured deposits | 33.7% (stronger) | 50.1% |
| Offices | 11 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 1.4% |
Legacy Bank has the higher TellerScore (65 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Generations Bank leads on 3 and Legacy Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.