This institution is no longer active

Operations ceased on August 18, 2014. CRA examination history below reflects the period it was active.

GENERATIONS BANK

CENTRE, AL · Supervised by FDIC

Est. 2008FDIC #58,842RSSD: FDIC-58842

Part ofALTRUST FINANCIAL SERVICES INC→ View all charters

Satisfactory Same

Current rating · Exam: April 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.88%

Institution Profile

FDIC BankFind

Address

1285 Chestnut Bypass, CENTRE, AL

County

Cherokee County

Established

October 6, 2008

Total Assets

$79M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2014

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 12 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2014Call Report / FDIC

Total Assets

$79M

Total Deposits

$71M

Net Loans

$50M

Net Income

$331K

ROA

0.88%

ROE

8.17%

Risk-Based Capital

16.03%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2010

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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