Fees from its schedule are under review and appear here once review is done.
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Total assets
Q4 2025, quarter end
FDIC call report data · Dec 31, 2025
Revenue
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge income
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge share of revenue
97th percentile; peer median 2.2%
FDIC call report data · Dec 31, 2025
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Apr 19, 2026
Call-report figures are for Generations Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FDIC BankFind Suite (call report data) ASSET | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,423 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q4 2025 Quarter ended Dec 31, 2025 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Generations Bank's published fee schedule; Bank Fee Index medians | Current schedule | Apr 19, 2026 |
Service-charge income by quarter
Q3 2023 to Q4 2025, standalone quarters
Service charges were 8.2% of revenue, above the 2.2% median of 1,423 banks with $300M to $1B in assets (97th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $101K in Q4 2025, 18% below the same quarter a year earlier ($123K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Generations Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q1 2024 to Q4 2025, standalone quarters · 60 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q4 2025 | $101K | −$3K | −2.9% |
| Q3 2025 | $104K | −$5K | −4.6% |
| Q2 2025 | $109K | −$4K | −3.5% |
| Q1 2025 | $113K | −$10K | −8.1% |
| Q4 2024 | $123K | $0 | 0.0% |
| Q3 2024 | $123K | +$5K | +4.2% |
| Q2 2024 | $118K | +$8K | +7.3% |
| Q1 2024 | $110K | −$14K | −11.3% |
Financial cohort: 1,447 banks with $300M to $1B in assets filing for Q4 2025; 1,423 reported a share above 0% and are counted, Generations Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Generations Bank by share.
They stay out of every comparison until review is done.
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Check ServicesUnder review | |||
| Certified Check (audience not stated, treated as personal) | $5 | per item | None |
Account ServicesUnder review | |||
| Safe Deposit Box 5” x 5” (audience not stated, treated as personal) | $70 | Not stated | None |
| Safe Deposit Box 6” x 11” (audience not stated, treated as personal) | $90 | Not stated | None |
| Safe Deposit Boxes Annual Rental: 2” x 5” (audience not stated, treated as personal) | $50 | per year | None |
Other feesUnder review | |||
| 10” x 10” (audience not stated, treated as personal) | $120 | Not stated | None |
| 6” x 11” (audience not stated, treated as personal) | $90 | Not stated | None |
| Account Statement Copy (audience not stated, treated as personal) | No charge | Not stated | None |
| ESL Online Bill Pay (via ESL Online Banking) (audience not stated, treated as personal) | No charge | Not stated | None |
| Expedited Electronic (convenience fee) (audience not stated, treated as personal) | $5 | Not stated | None |
| Insufficient/Uncollected Funds Fee (audience not stated, treated as personal) | No charge | Not stated | None |
| International Service Assessment (audience not stated, treated as personal) | Not stated | Not stated | None |
| Overnight Check (convenience fee) (audience not stated, treated as personal) | $24 | Not stated | None |
| POS Overdraft (Purchase Amount) (audience not stated, treated as personal) | $0.01 | Not stated | None |
| Safe Deposit Boxes Annual Rental: 2” x 5” (audience not stated, treated as personal) | $50 | per year | None |
| Stop Payments (audience not stated, treated as personal) | No charge | Not stated | None |
| Zelle® (audience not stated, treated as personal) | No charge | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Apr 19, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Generations Bank operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state, $320.0M in branch deposits (June 2025)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 5 | $186.2M |
| 4 | $133.8M |
Rochester, NY
0.5% of bank deposits, #15 of 20, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 17.7% |
| The Canandaigua National Bank and Trust Company | 16.9% |
| KeyBank National Association | 13.6% |
| JPMorgan Chase Bank, National Association | 13.4% |
| Citizens Bank, National Association | 7.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2025. Deposits are booked at the branch as of June 30.
In Rochester, NY, Generations Bank holds 0.5% of bank deposits, #15 of 20, with 4 offices.
290 offices of 44 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2025 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2025. FDIC-insured offices only; credit unions are not included.
9 of 20 institutions shown. $24.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2025.
Position over time, 2010 to 2025
June 2025: 0.5% share, 4 offices, #15 of 20
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2025.
Credit unions, reported separately
96 offices of 25 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
1 past action
Past
OCC. Ended March 26, 2026
Board / Management Oversight; Earnings; Liquidity; Sensitivity to Market Risk; Strategic Planning
Source: public enforcement action lists from the OCC, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows