Generations Bank: Bank Stress & Real-Estate Credit Exposure
FDIC Certificate #16040 · Seneca Falls, NY. This institution (Generations Bank) no longer appears in the current FDIC branch and deposit filings (#16040) that DLRadar scores; FDIC records the last Generations Bank day as a separately insured institution (#16040) as June 30, 2026. FDIC event for Generations Bank: Branch Purchased (2026-01-01). DLRadar last scored Generations Bank (#16040) on September 20, 2026. The Generations Bank facts below are its last recorded footprint (#16040), kept as a permanent Generations Bank public record; the Generations Bank figures are not refreshed.
Generations Bank (#16040) carried no scored branch footprint (Generations Bank) in the FDIC filings DLRadar reads; the Generations Bank record exists because FDIC certificate 16040 was a separately insured Generations Bank institution in Seneca Falls, NY, last seen by DLRadar (#16040) on September 20, 2026.
What the Generations Bank (#16040) record holds: FDIC certificate 16040 for Generations Bank, closed as a separate Generations Bank charter on June 30, 2026; no successor is recorded for Generations Bank; FDIC event for Generations Bank: Branch Purchased (2026-01-01); Generations Bank (#16040) first entered DLRadar on September 20, 2026.
How Generations Bank (#16040) was scored while active: the Generations Bank stress score read FDIC call-report financials (#16040) and the Summary of Deposits branch file for Generations Bank, mapped Generations Bank branches to counties and ZIP codes (#16040), and weighted the Generations Bank real-estate loan concentration against its peers; the Generations Bank (#16040) figures on this page are the last such Generations Bank run and are not refreshed.
Generations Bank (#16040) net interest margin 2.14% against an eight-quarter Generations Bank (#16040) average of 2.13% (Generations Bank (#16040) compression -0.00 points); Generations Bank (#16040) non-residential real estate 5.0% of equity; Generations Bank (#16040) rate-exposure score 40/100, Generations Bank (#16040) fixed-rate trap 40/100; Generations Bank (#16040) risk type credit driven; Generations Bank (#16040) rate regime rates elevated, Generations Bank (#16040) snapshot May 27, 2026.
Generations Bank (#16040) is chartered in Seneca Falls, NY; FDIC lists Generations Bank (#16040) as inactive.
Why this Generations Bank page exists: bank identities are historical data (#16040). When an institution such as Generations Bank merges or its charter ends, DLRadar keeps the Generations Bank profile so citations, links and the Generations Bank score history stay resolvable (#16040), and points Generations Bank to the successor where the FDIC records one. Every Generations Bank figure traces to public FDIC data (#16040).