Generations Bancorp NY Balance Sheet Health
Financial Health criteria checks 5/6
Generations Bancorp NY has total assets of $424.5M and total equity of $37.7M. Total deposits are $357.6M, and total loans are $333.5M earning a Net Interest Margin of 2.4%. It has insufficient allowance for bad loans, which are currently at 1.1% of total loans. Cash and short-term investments are $19.5M.
Key information
11.3x
Asset to equity ratio
2.4%
Net interest margin
| Total deposits | US$357.61m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.1% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$19.54m |
Recent financial health updates
No updates
Recent updates
Generations Bancorp: Trading Below Liquidation Value And Our Favorite Activist On-Board
Aug 24Here's Why Generations Bancorp NY, Inc.'s (NASDAQ:GBNY) CEO Compensation Is The Least Of Shareholders Concerns
May 14
Generations Bancorp NY names new CFO
Apr 26Do Generations Bancorp NY's (NASDAQ:GBNY) Earnings Warrant Your Attention?
Apr 12Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: GBNY's Assets to Equity ratio (11.3x) is moderate.
Allowance for Bad Loans: GBNY has a low allowance for bad loans (82%).
Low Risk Liabilities: 92% of GBNY's liabilities are made up of primarily low risk sources of funding.
Loan Level: GBNY has an appropriate level of Loans to Assets ratio (79%).
Low Risk Deposits: GBNY's Loans to Deposits ratio (93%) is appropriate.
Level of Bad Loans: GBNY has an appropriate level of bad loans (1.1%).