Generations Bank
Rogers, Arkansas, Benton County
$1.1B in total assets, the 982nd largest of 4,309 US banks and 23rd of 78 headquartered in Arkansas.
- FDIC certificate
- 88
- Established
- 1907
- Owned by
- Harrell Bancshares Inc
- Primary regulator
- FED
- Website
- www.mygenerations.bank
At a glance
Compared with 19 banks headquartered in Arkansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.1B | 5% | $1.6B | |
| Loans | $767M | 2% | $1.4B | |
| Deposits | $936M | 5% | $1.5B | |
| Return on assets | 1.15% | 37% | 1.24% | |
| Net interest margin | 4.18% | 68% | 4.01% | |
| Efficiency ratio | 57.5% | 53% | 57.4% | |
| Equity to assets | 11.26% | 58% | 9.57% | |
| Loans to deposits | 82% | 21% | 89% |
Growth
Total assets grew 10.5% a year over the last 5 years and 10.7% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2014 | First Community Bank of Crawford County Van Buren, AR | $61M |
Where they operate
11 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Benton County, AR | $543M | 5.1% | 3 of 34 |
| Ouachita County, AR | $103M | 22.6% | 2 of 5 |
| Washington County, AR | $77M | 0.9% | 17 of 34 |
| Crawford County, AR | $70M | 6.0% | 5 of 10 |
| Calhoun County, AR | $63M | 86.2% | 1 of 2 |
| Union County, AR | $44M | 2.7% | 7 of 7 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (10 to 11, +10.0%). 4 opened, 0 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 10 | |||
| 2016 | Closed Camden | 0 | 1 | −1 | 9 |
| 2019 | Opened HamptonClosed Rogers | 1 | 1 | 0 | 9 |
| 2021 | Opened Bentonville | 1 | 0 | +1 | 10 |
| 2022 | Opened Kimberling City | 1 | 0 | +1 | 11 |
| 2026 through Q2 | Opened RogersClosed Camden | 1 | 1 | 0 | 11 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 33% | 29% | |
| 1-4 family residential | 27% | 22% | |
| Construction and land | 21% | 13% | |
| Business (C&I) | 8% | 14% | |
| Multifamily | 5% | 5% | |
| Farmland | 4% | 10% | |
| Consumer | 2% | 2% | |
| Agricultural | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 50% | 34% | |
| Other interest-bearing | 37% | 48% | |
| Noninterest-bearing | 13% | 18% |
Brokered deposits are 15.0% of deposits (peers 6.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.56% | 0.39% |
| Net charge-offs, annualized | 1.31% | 0.08% |
| Reserves to loans | 0.91% | 1.29% |
| Leverage ratio | 11.51% | 10.20% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arkansas
Largest competitors in Benton County, AR
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/generations-bank-rogers-ar