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

Community banking services
Commercial lending
Personal savings accounts
Treasury management solutions
Agricultural loan products

Where Generations Bank is headquartered

Location

Headquarters

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 offering

Core 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 profile

Segments5 records

Ideal customer profiles4 records

Generations Bank technology and API

Technology

Technology 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 signal

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Generations Bank competitors and assessment

Company assessment

Direct 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 compliance and trust

Trust signal

Compliance2 records

Generations Bank financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Generations Bank leadership team

Management profile

Number of profiles

Profiles7 records

Generations Bank funding detail

Funding detail

Funding 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 investment

M&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?

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.