NY lenders / Community Bank
Generations Bank
Community Bank · Seneca Falls, NY · Generations Bcorp Ny Inc
- Total assets
- $347.1M
- CRE loan book
- $8.4M
- QoQ CRE growth
- -17.7%
- Q4 2025
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.03% as of Q4 2025 — TX bank median 4.94% (0.09pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q4 2025 | 5.03% | 5.04% |
| Q3 2025 | 5.12% | 4.88% |
| Q2 2025 | 4.84% | 4.82% |
| Q1 2025 | 5.29% | 5.00% |
| Q4 2024 | 5.06% | 4.73% |
| Q3 2024 | 4.93% | 4.73% |
| Q2 2024 | 4.64% | 4.88% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q4 2025 | $8.4M | $0 | $382,000 | 12% | $4,000 |
| Q3 2025 | $10.2M | $0 | $385,000 | 16% | $4,000 |
| Q2 2025 | $12.3M | $0 | $759,000 | 17% | $8,000 |
| Q1 2025 | $13.8M | $0 | $763,000 | 19% | $13,000 |
| Q4 2024 | $14.0M | $0 | $768,000 | 20% | $13,000 |
| Q3 2024 | $14.4M | $0 | $773,000 | 19% | $13,000 |
| Q2 2024 | $14.6M | $0 | $777,000 | 19% | $18,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First State Bank of BrownsboroCommunity Bank · Brownsboro · $8.4M CRE book
- Bank of Dixon CountyCommunity Bank · Ponca · $8.4M CRE book
- The Granville National BankCommunity Bank · Granville · $8.4M CRE book
- McClave State BankCommunity Bank · Mcclave · $8.5M CRE book
- Hustisford State BankCommunity Bank · Hustisford · $8.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.