Generations Bancorp NY Inc

NASDAQ:GBNY USA Banks - Regional
Market Cap
$33.50 Million
Market Cap Rank
#23512 Global
#8206 in USA
Share Price
$14.70
Change (1 day)
+0.00%
52-Week Range
$14.68 - $17.95
All Time High
$17.95
About

Generations Bancorp NY, Inc. operates as a holding company for Generations Bank that engages in the provision of various banking products and services. It accepts various deposit accounts, including demand, NOW, money market, savings, and certificates of deposit accounts. The company provides one- to four-family residential real estate loans, including home equity loans and lines of credit; consu… Read more

Generations Bancorp NY Inc - Asset Resilience Ratio

Latest as of March 2025: 6.34%

Generations Bancorp NY Inc (GBNY) has an Asset Resilience Ratio of 6.34% as of March 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.

Liquid Assets
$24.36 Million
Cash + Short-term Investments
Total Assets
$384.34 Million
All company assets
Resilience Assessment
Low
Financial Resilience Level

Asset Resilience Ratio Trend (2019–2023)

This chart shows how Generations Bancorp NY Inc's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.

Liquid Assets Composition Over Time

This chart breaks down Generations Bancorp NY Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.

Current Liquid Assets Breakdown

Component Amount % of Total Assets
Cash & Equivalents $0.00 0%
Short-term Investments $24.36 Million 6.34%
Total Liquid Assets $24.36 Million 6.34%

Asset Resilience Insights

  • Limited Liquidity: Generations Bancorp NY Inc maintains only 6.34% of assets in liquid form.
  • This low level may indicate efficient asset utilization but could pose risks during economic downturns.
  • The company has significant short-term investments, indicating active treasury management.

Generations Bancorp NY Inc Industry Peers by Asset Resilience Ratio

Compare Generations Bancorp NY Inc's asset resilience ratio with other companies in the same industry.

Company Industry Asset Resilience Ratio
Ping An Bank Co Ltd
SHE:000001
Banks - Regional -6.06%
Bank of Ningbo Co Ltd
SHE:002142
Banks - Regional 6.40%
Qingdao Rural Commercial Bank Corp Class A
SHE:002958
Banks - Regional -13.48%
Bank of Suzhou
SHE:002966
Banks - Regional -8.31%
Jeju Bank
KO:006220
Banks - Regional 2.45%
Industrial Bank Of Korea
KO:024110
Banks - Regional 4.07%
Hana Financial
KO:086790
Banks - Regional 3.29%
PT Bank Sinarmas Tbk
F:08S
Banks - Regional 3.70%

Annual Asset Resilience Ratio for Generations Bancorp NY Inc (2019–2023)

The table below shows the annual Asset Resilience Ratio data for Generations Bancorp NY Inc.

Year Asset Resilience Ratio (%) Liquid Assets Total Assets Change
2023-12-31 7.37% $31.30 Million $424.50 Million -1.18pp
2022-12-31 8.56% $33.05 Million $386.29 Million -1.20pp
2021-12-31 9.76% $36.98 Million $378.95 Million +4.96pp
2020-12-31 4.80% $17.93 Million $373.80 Million -4.02pp
2019-12-31 8.81% $30.63 Million $347.55 Million --
pp = percentage points