Generations Bank
Generations Bank is a privately held, FDIC-insured community bank founded in 1907, operating 11 branches across South and Northwest Arkansas and Southwest Missouri. It serves retail consumers, small-to-medium businesses, agricultural operators, non-profits, and government entities with deposit products, lending, treasury management, and digital banking.
- Company typePrivate
- Founded1907
- HeadquartersHampton, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Generations Bank does
Generations Bank is a privately held, FDIC-insured community bank founded in 1907 in Harrell, Arkansas, and currently operating 11 physical branches across South and Northwest Arkansas and Southwest Missouri, with its main branch in Camden, Arkansas. The bank serves individual consumers, small-to-medium-sized businesses, agricultural operators (row crops, poultry, cattle), non-profit organizations, and government entities through a full-service product set that spans personal and business checking and savings accounts, certificates of deposit, personal lending, mortgage lending, commercial and commercial real estate loans, lines of credit, agricultural loans, and an overdraft privilege program.
Its product portfolio is anchored by a digital banking platform that includes online banking, a mobile banking app (available on Google Play and Apple App Store), mobile deposit, card controls, mobile wallet support (Apple Pay, Google Pay, Android Pay), e-statements, and online bill pay, with third-party integrations to QuickBooks, Quicken, and Autobooks. For business customers, the bank operates a dedicated treasury management platform composed of Business E-Banking, Payment Solutions (including wire transfers and debit cards), Receivables, Fraud Protection, and Liquidity Management (Sweep Services), supported by an in-house treasury management team (Director, VP/Coordinator, and support staff). Distribution combines the 11-branch physical network with self-serve digital channels and a direct sales treasury management team targeting enterprise-level business customers.
Generations Bank generates revenue primarily through net interest income on its loan portfolio (commercial, commercial real estate, lines of credit, agricultural, and mortgage) and through transaction and service fees, including a $30 per-item overdraft fee, monthly service charges, debit transaction overages (~$0.35-$0.50 per item), and miscellaneous service fees (cashier's checks, money orders, faxes, photocopies, account printouts). Recurring subscription-style revenue streams include business treasury services and certificates of deposit. The bank's go-to-market is predominantly direct-to-consumer and direct-to-SMB via branch walk-ins, online account opening, and a treasury management sales team, with brand-building content marketing (Generations Blog, Resource Center, Financial Education) and presence on Instagram, Facebook, and LinkedIn.
Generations Bank firmographics
Firmographics- Name
- Generations Bank
- Legal name
- Generations Bank
- Website
- https://mygenerations.bank
- Company type
- Private
- Founded year
- 1907
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Generations Bank is a privately held, FDIC-insured community bank founded in 1907, operating 11 branches across South and Northwest Arkansas and Southwest Missouri. It serves retail consumers, small-to-medium businesses, agricultural operators, non-profits, and government entities with deposit products, lending, treasury management, and digital banking.
- Ownership category
- akta.pro rank
Generations Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Agricultural & Rural Development Banks (FSABAKAE)
Keywords
Where Generations Bank is headquartered
LocationHeadquarters
- HQ city
- Hampton
- HQ country
- United States
- HQ region
- North America
Offices12 records
Markets served
Generations Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Revenue generated from interest on loans including commercial loans, commercial real estate, lines of credit, agricultural loans, and mortgage loans
- Deposit Account Fees: Overdraft fees ($30 per item), monthly service charges on checking and savings accounts, minimum balance fees, and transaction fees
- Service Fees: Fees for photocopies, faxes, money orders, cashier's checks, replacement ATM/debit cards, telephone transfers, and account printouts
- Business Treasury Services: Treasury management services including Business E-Banking, wire transfers, and liquidity management for business customers
- Certificates of Deposit: CDs with guaranteed returns offering various maturity terms for business and personal savings
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Business Classic Checking - $1,000 minimum deposit, $10 monthly service charge, $2,500 minimum balance to avoid fee |
| Subscription | Monthly | Business Essentials Checking - $100 minimum deposit, no monthly service charge |
| Subscription | Monthly | Business Premium Checking - $1,000 minimum deposit, $10 monthly service charge, earns interest with $1,000 minimum balance |
| Subscription | Monthly | Non-Profit Checking - $100 minimum deposit, no monthly service charge |
| Subscription | Monthly | Business Savings - $100 minimum opening deposit, $5 cycle service charge, $100 minimum balance to earn interest |
| Subscription | Monthly | Non-Profit Savings - $100 minimum opening deposit, no service charge, interest earned |
| Subscription | Monthly | Money Market Savings - $2,500 minimum opening deposit, $10 monthly service charge, interest paid monthly |
| Transaction based/ take rate | Pay-as-you-go | Overdraft Fee - $30 per item for covering overdrafts |
| Transaction based/ take rate | Pay-as-you-go | Miscellaneous Service Fees |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Generations Bank product offering
Product offeringCore offering
Generations Bank is a full-service community bank offering personal and business deposit products (checking, savings, CDs, HSA), lending products (personal loans, mortgages, commercial, commercial real estate, agriculture loans, lines of credit), treasury management services for businesses, and FDIC-insured digital banking via mobile and online channels. The bank operates 11 branches across South and Northwest Arkansas and Southwest Missouri.
Product overview
Generations Bank is a full-service community bank offering a unified suite of banking products and services for personal and business customers. The product portfolio spans core deposit products (checking, savings, CDs), lending (personal, mortgage, commercial, agricultural), treasury management services, and digital banking platforms. The digital banking platform serves as the primary channel for account access, featuring mobile and online banking with integrated tools for bill payment, mobile deposit, card controls, and mobile wallet support. Treasury Management functions as an enterprise platform for business customers, incorporating Business E-Banking, Payment Solutions, Receivables, Fraud Protection, and Liquidity Management sub-modules. The bank operates 11 branch locations across Arkansas and Missouri, established in 1907, serving South and Northwest Arkansas and Southwest Missouri markets.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking
- Personal Savings
- Personal Lending
- Mortgage
- Business Classic Checking
- Business Essentials Checking
- Business Premium Checking
- Non-Profit Checking
- Business Savings
- Non-Profit Savings
- Money Market Savings
- Certificates of Deposit (CDs)
- Employee Health Savings Account (HSA)
- Commercial Loans
- Commercial Real Estate Loans
- Line of Credit
- Agriculture Loans
- Treasury Management
- Business E-Banking
- Mobile Banking App
- Online Banking
- Overdraft Privilege
- Sweep Protection
Companies that use Generations Bank
Customer profileSegments5 records
Ideal customer profiles4 records
Generations Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature3 records
Generations Bank partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
Generations Bank competitors and assessment
Company assessmentDirect peers
- Simmons Bank: Arkansas-headquartered regional bank with comparable community banking roots, multi-state branch network across AR/MO, and similar business banking + treasury management offerings. Closest direct peer in scale and geography.
- Central Bank (Arkansas): Arkansas community bank with consumer and business banking products across central and NW Arkansas. Similar deposit, lending, and digital banking profile at comparable scale.
- First National Bank of Fort Smith: Western Arkansas community bank with similar size and product set (personal, business, mortgage). Direct geographic overlap with Generations' AR/MO branch territory.
- Bank OZK: Arkansas-headquartered bank with strong CRE and commercial lending franchise serving similar small/mid-market business customers across the South and Midwest. Comparable in market and product offering.
- Arvest Bank: Arkansas-based community bank operating across AR/MO/OK with personal, business, and mortgage lending. Directly comparable footprint and product mix, particularly in NW Arkansas.
Emerging players
- Mercury: Digital-first business banking platform targeting startups and small businesses — direct emerging threat to Generations' SME deposit and treasury management franchise.
Broad incumbents
- Cadence Bank: Regional bank with significant Arkansas/Mississippi/Texas presence offering comparable commercial, treasury, and consumer banking. Larger scale but overlapping in core markets.
- FNBO Direct / First National Bank of Omaha: Large Midwestern regional bank offering consumer and business banking; competes indirectly in deposit gathering and digital channels across Generations' markets.
- JPMorgan Chase (Community / Business Banking): National incumbent with growing presence in NW Arkansas serving Walmart-adjacent businesses. Competes for the same business banking and treasury management wallet Generations targets.
Regional players
- FirstBank (Tennessee): Tennessee-headquartered community bank with some Arkansas presence, similar personal/business banking model. Comparable scale and product mix though primarily outside Generations' core footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Generations Bank social profiles
Digital presenceGenerations Bank compliance and trust
Trust signalCompliance2 records
Generations Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Generations Bank leadership team
Management profileNumber of profiles
Profiles7 records
Generations Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Generations Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Generations Bank
What does Generations Bank do?
Generations Bank is a full-service community bank offering personal and business deposit products (checking, savings, CDs, HSA), lending products (personal loans, mortgages, commercial, commercial real estate, agriculture loans, lines of credit), treasury management services for businesses, and FDIC-insured digital banking via mobile and online channels. The bank operates 11 branches across South and Northwest Arkansas and Southwest Missouri.
Is Generations Bank a public or private company?
Generations Bank is a private company. It is classified as unknown and is currently operating.
When was Generations Bank founded?
Generations Bank was founded in 1907. It employs 101 to 250 people.
Where is Generations Bank based?
Generations Bank is headquartered in Hampton, United States, in the North America region.
How does Generations Bank make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are deposit Account Fees, service Fees, business Treasury Services and certificates of Deposit.
Who are Generations Bank's main competitors?
Direct peers on record are Simmons Bank, Central Bank (Arkansas), First National Bank of Fort Smith, Bank OZK and Arvest Bank. Mercury is listed as an emerging player. Broad incumbents are Cadence Bank, FNBO Direct / First National Bank of Omaha and JPMorgan Chase (Community / Business Banking). FirstBank (Tennessee) is listed as a regional player.
Does Generations Bank have an API?
No public API is recorded for Generations Bank.
What industry is Generations Bank in?
Generations Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 5221 and its SIC code is 6022.