Generations Bank (FDIC #88): Bank Stress & Real-Estate Credit Exposure
Generations Bank (FDIC Cert #88): bank stress 62/100, elevated, STABLE over 7 days; parent HARRELL BANCSHARES INC.
Generations Bank (#88) lends in 7 counties across 2 states; Generations Bank (#88) reaches 83 ZIP codes: Arkansas 6 counties, 65 ZIPs; Missouri 1 county, 18 ZIPs.
Generations Bank (#88) largest markets: Benton County, AR (88 branches, 22 ZIPs) (#88), Washington County, AR (20 branches, 20 ZIPs) (#88), Stone County, MO (18 branches, 18 ZIPs) (#88), Crawford County, AR (11 branches, 11 ZIPs) (#88), Union County, AR (10 branches, 10 ZIPs) (#88), Ouachita County, AR (16 branches, 8 ZIPs) (#88).
Generations Bank (#88) reports $1.09 billion in total assets; Generations Bank (#88) equity $122.8 million (11.3% of Generations Bank (#88) assets); Generations Bank (#88) domestic deposits $935.6 million; Generations Bank (#88) net income $6.4 million; Generations Bank (#88) return on assets 1.19%; Generations Bank (#88) return on equity 10.74%; Generations Bank (#88) net interest income $20.9 million; Generations Bank (#88) call report June 30, 2026.
Generations Bank (#88) noncurrent real-estate loans 0.79% of its book; Generations Bank (#88) residential 2.25%; Generations Bank (#88) net charge-offs on real estate 1.34%; Generations Bank (#88) residential charge-offs 3.00%.
Generations Bank (#88) net interest margin 4.18% against an eight-quarter Generations Bank (#88) average of 3.96% (Generations Bank (#88) compression -0.23 points); Generations Bank (#88) real-estate loans 79.4% of equity; Generations Bank (#88) non-residential real estate 299.7% of equity; Generations Bank (#88) rate-exposure score 40/100, Generations Bank (#88) fixed-rate trap 40/100; Generations Bank (#88) risk type credit driven; Generations Bank (#88) rate regime rates elevated, Generations Bank (#88) snapshot October 19, 2026.
Generations Bank (#88) stress score moved from 63.3 on June 22, 2026 to 62.2 on October 19, 2026; Generations Bank (#88) ranged 62.2 to 63.3 over 116 snapshots.
Generations Bank (#88) alerts: 7 counties; top Generations Bank (#88) alert scores: Van Buren County, AR 36 (moderate); Camden County, AR 21 (low); Fayetteville County, AR 21 (low); Hampton County, AR 21 (low); Junction City County, AR 21 (low).