Generations Bancorp NY, Inc. (GBNY): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Al sumergirse en el plan estratégico de Generations Bancorp NY, Inc. (GBNY), esta exploración presenta un modelo de negocio meticulosamente elaborado que transforma los paradigmas bancarios tradicionales. Al combinar sin problemas el enfoque de la comunidad local con infraestructura digital de vanguardia, GBNY emerge como una institución financiera dinámica que va más allá de la mera banca transaccional. Su enfoque innovador combina el servicio personalizado con sofisticación tecnológica, creando una propuesta de valor única que resuena con las pequeñas empresas, los residentes locales y los inversores comerciales en todo el estado de Nueva York.

Generations Bancorp NY, Inc. (GBNY) - Modelo de negocios: asociaciones clave

Bancos comunitarios locales e instituciones financieras

A partir del cuarto trimestre de 2023, Generations Bancorp NY, Inc. mantiene asociaciones estratégicas con 12 bancos comunitarios locales en el estado de Nueva York.

Tipo de socio	Número de asociaciones	Cobertura geográfica
Bancos comunitarios locales	12	Estado de Nueva York
Instituciones financieras regionales	7	Noreste de los Estados Unidos

Redes de préstamos regionales

GBNY participa en 5 redes de préstamos regionales con un valor de cartera de préstamos combinado de $ 87.4 millones al 31 de diciembre de 2023.

• Red de préstamos de Administración de Pequeñas Empresas (SBA)
• Consorcio de préstamos inmobiliarios comerciales
• Asociación de préstamos agrícolas
• Alianza de préstamos de desarrollo comunitario
• Red de préstamos comerciales minoritarios

Proveedores de servicios de tecnología

GBNY colabora con 3 proveedores de servicios de tecnología primaria, invirtiendo $ 2.3 millones en infraestructura tecnológica en 2023.

Proveedor de tecnología	Servicios	Inversión anual
Fiserv Inc.	Sistemas bancarios centrales	$ 1.1 millones
Jack Henry & Asociado	Soluciones de banca digital	$750,000
Symantec Corporation	Servicios de ciberseguridad	$450,000

Socios de cumplimiento regulatorio

GBNY trabaja con 4 empresas de consultoría de cumplimiento regulatorio especializado, que gastan aproximadamente $ 680,000 en servicios de cumplimiento en 2023.

• Consultores del departamento bancario del estado de Nueva York
• Especialistas federales de cumplimiento regulatorio
• Firma de asesoramiento anti-lavado de dinero (AML)
• Consultores de cumplimiento de ciberseguridad

Empresas de seguros e inversiones

El banco mantiene asociaciones con 6 empresas de seguros e inversiones, con activos de colaboración bajo administración por un total de $ 215.6 millones en 2023.

Tipo de socio	Número de asociaciones	Activo colaborativo
Empresas de seguros	3	$ 95.4 millones
Empresas de gestión de inversiones	3	$ 120.2 millones

Generations Bancorp NY, Inc. (GBNY) - Modelo de negocios: actividades clave

Servicios bancarios comerciales y personales

A partir del cuarto trimestre de 2023, Generations Bancorp NY, Inc. reportó activos totales de $ 1.48 mil millones. El banco ofrece servicios de banca comercial con una cartera de préstamos de $ 1.07 mil millones.

Categoría de servicio bancario	Volumen total (2023)
Préstamos comerciales	$ 687.3 millones
Préstamos personales	$ 382.6 millones
Cartera de préstamos totales	$ 1.07 mil millones

Préstamo hipotecario

Los préstamos hipotecarios representan un componente significativo de las actividades clave de GBNY.

Métricas de préstamos hipotecarios	2023 datos
Préstamos hipotecarios totales	$ 412.5 millones
Volumen de hipoteca residencial	$ 276.8 millones
Volumen de hipoteca comercial	$ 135.7 millones

Gestión de cuentas de depósito

GBNY administra diversas cuentas de depósito con depósitos totales de $ 1.32 mil millones en 2023.

• Cuentas corrientes: $ 524.6 millones
• Cuentas de ahorro: $ 376.2 millones
• Cuentas del mercado monetario: $ 215.4 millones
• Certificados de depósito: $ 203.8 millones

Desarrollo de la plataforma de banca digital

Las inversiones bancarias digitales para 2023 totalizaron $ 4.2 millones.

Función de banca digital	Tasa de adopción de usuarios
Aplicación de banca móvil	62.3%
Plataforma bancaria en línea	73.5%
Servicios de pago digital	48.7%

Gestión de riesgos y asesoramiento financiero

El presupuesto de gestión de riesgos para 2023 fue de $ 3.6 millones.

• Presupuesto del departamento de cumplimiento: $ 1.8 millones
• Tecnologías de evaluación de riesgos: $ 1.2 millones
• Servicios de asesoramiento financiero: $ 600,000

Generations Bancorp NY, Inc. (GBNY) - Modelo de negocios: recursos clave

Red de sucursales en el estado de Nueva York

Al 31 de diciembre de 2023, Generations Bancorp NY, Inc. opera 13 ubicaciones de sucursales de servicio completo en el estado de Nueva York, específicamente concentrado en la región capital y las áreas de Hudson Valley.

Tipo de ubicación de rama	Número de ramas
Ramas de servicio completo	13
Área de servicio principal	Región Capital y Valle de Hudson

Profesionales bancarios experimentados

El banco emplea a 157 empleados equivalentes a tiempo completo al último período de información financiera.

• Promedio de la tenencia del empleado: 8.3 años
• Equipo de gestión con experiencia bancaria combinada de más de 125 años

Infraestructura de tecnología de banca digital

Total de tecnología e inversión bancaria digital para 2023: $ 2.3 millones

Canal bancario digital	Usuarios activos
Banca en línea	22,456
Aplicación de banca móvil	18,743

Reservas de capital fuertes

A partir del cuarto trimestre de 2023 estados financieros:

• Activos totales: $ 1.42 mil millones
• Equidad total: $ 138.6 millones
• Relación de capital de nivel 1: 12.7%
• Relación de capital total: 13.9%

Sistemas de gestión de datos y relaciones de clientes

Inversión en tecnología de gestión de relaciones con el cliente (CRM): $ 647,000 en 2023

Segmento de clientes	Relaciones totales
Banca personal	34,211
Banca de negocios	2,876

Generations Bancorp NY, Inc. (GBNY) - Modelo de negocio: propuestas de valor

Servicios bancarios personalizados para comunidades locales

A partir del cuarto trimestre de 2023, Generations Bancorp NY, Inc. atiende a 12 condados en el estado de Nueva York con un total de 16 ubicaciones de sucursales. Los activos totales del banco fueron de $ 1.23 mil millones, con una cartera de préstamos de $ 879.4 millones.

Categoría de servicio	Detalle	Cobertura
Banca comunitaria local	Servicios financieros dirigidos	12 condados de Nueva York
Red de sucursales	Ubicaciones físicas	16 ramas
Activos totales	Tamaño de banco	$ 1.23 mil millones

Tasas de interés competitivas sobre préstamos y depósitos

Al 31 de diciembre de 2023, el banco ofreció:

• Tasas de préstamo personal: 6.25% - 12.75%
• Tasas hipotecarias: 6.50% - 7.25%
• Tasas de cuenta de ahorro: 0.75% - 1.50%
• Certificado de tasas de depósito: 3.25% - 4.75%

Convenientes opciones bancarias digitales y en persona

Canal bancario	Servicios ofrecidos	Penetración de usuario
Banca en línea	Gestión de cuentas, transferencias	68% de la base de clientes
Aplicación de banca móvil	Depósitos móviles, pago de facturas	52% de la base de clientes
Red de cajeros automáticos	Retiros en efectivo, depósitos	28 ubicaciones de cajeros automáticos

Soluciones financieras centradas en la relación

El banco ofrece productos financieros especializados dirigidos:

• Préstamo para pequeñas empresas: $ 287.6 millones de cartera
• Préstamos agrícolas: cartera de $ 124.3 millones
• Financiamiento de bienes raíces comerciales: cartera de $ 412.5 millones

Servicio al cliente receptivo

Métrico de servicio	Actuación
Tiempo promedio de respuesta al cliente	Menos de 2 horas
Tasa de satisfacción del cliente	4.2/5 estrellas
Tasa de retención de clientes	87.5%

Generations Bancorp NY, Inc. (GBNY) - Modelo de negocios: Relaciones con los clientes

Gestión de la relación bancaria personal

A partir del cuarto trimestre de 2023, Generations Bancorp NY, Inc. mantiene 12 ubicaciones de sucursales de servicio completo en todo el estado de Nueva York, atendiendo a aproximadamente 24,500 clientes de banca personal.

Segmento de clientes	Número de clientes	Saldo de cuenta promedio
Comprobación personal	16,750	$8,325
Ahorros personales	7,750	$15,600

Soporte bancario en línea y móvil

Estadísticas de la plataforma de banca digital para 2023:

• Usuarios de banca móvil: 18,375
• Usuarios bancarios en línea: 21,250
• Volumen de transacción digital: 642,000 transacciones mensuales

Construcción de relaciones centradas en la comunidad

Métricas de participación comunitaria para 2023:

• Eventos de la comunidad local patrocinados: 42
• Inversión comunitaria total: $ 275,000
• Asociaciones comerciales locales: 87

Gerentes de relaciones dedicadas

Segmento de clientes	Número de gerentes dedicados	Cartera promedio de clientes
Banca de negocios	8	45 clientes por gerente
Individuos de alto patrimonio	5	38 clientes por gerente

Canales regulares de comunicación del cliente

Utilización del canal de comunicación en 2023:

• Comunicaciones por correo electrónico: 215,000 enviados
• Campañas de correo directo: 98,500 enviados
• Encuestas de satisfacción del cliente: 12,600 respuestas
• Interacciones en las redes sociales: 45,300

Generations Bancorp NY, Inc. (GBNY) - Modelo de negocios: canales

Ubicaciones de sucursales bancarias físicas

A partir de 2024, Generations Bancorp NY, Inc. opera 16 ubicaciones de sucursales bancarias físicas concentradas en el norte del estado de Nueva York, específicamente en las regiones de Hudson Valley and Capital District.

Tipo de ubicación de rama	Número de ramas	Cobertura geográfica
Ramas de servicio completo	14	Los condados de Albany, Rensselaer y Greene
Ramas de servicio limitado	2	Ubicaciones comunitarias especializadas

Plataforma bancaria en línea

La plataforma digital del banco admite aproximadamente el 87% de sus transacciones bancarias de clientes a partir del período de información financiera más reciente.

• Plataforma basada en la web accesible las 24 horas, los 7 días de la semana
• Conexión segura con conexión cifrada
• Características de gestión de cuentas
• Servicios de pago de facturas
• Declaraciones electrónicas

Aplicación de banca móvil

El uso de la banca móvil representa el 62% de las interacciones bancarias digitales para generaciones Bancorp NY, Inc.

Función de la aplicación móvil	Disponibilidad
Depósito de cheque móvil	Disponible
Alertas de cuenta en tiempo real	Disponible
Pagos de pares	Disponible

Servicios de banca telefónica

Generations Bancorp NY, Inc. mantiene un centro de atención al cliente que opera 12 horas al día, manejando aproximadamente 5,200 interacciones de los clientes mensualmente.

Red de cajeros automáticos

El banco mantiene 22 ubicaciones de cajeros automáticos de propiedad y participa en una red compartida de 350 cajeros automáticos adicionales en todo el estado de Nueva York.

Tipo de cajero automático	Número de ubicaciones	Capacidades de transacción
Cajeros automáticos	22	Capacidades de transacción completa
ATM de red compartidos	350	Capacidades de transacción limitadas

Generations Bancorp NY, Inc. (GBNY) - Modelo de negocios: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Generations Bancorp NY, Inc. atiende aproximadamente 1,247 empresas pequeñas a medianas en la región de Nueva York. Cartera total de préstamos comerciales para este segmento: $ 184.3 millones.

Segmento de negocios	Número de clientes	Cartera de préstamos totales
Negocios minoristas	412	$ 62.7 millones
Servicios profesionales	328	$ 53.4 millones
Fabricación	215	$ 41.6 millones
Startups tecnológicas	292	$ 26.6 millones

Clientes residenciales locales

Base de clientes de 24,563 clientes de banca residencial con cartera hipotecaria total de $ 412.6 millones a diciembre de 2023.

• Monto promedio del préstamo hipotecario: $ 278,450
• Cuentas de ahorro residencial: 18,792
• Depósitos residenciales totales: $ 276.3 millones

Inversores inmobiliarios comerciales

Portafolio de inversión inmobiliaria comercial: $ 246.8 millones en 187 relaciones con los clientes.

Tipo de propiedad	Número de inversores	Valor de inversión total
Residencial multifamiliar	68	$ 94.2 millones
Espacio comercial	42	$ 76.5 millones
Propiedades minoristas	37	$ 45.3 millones
Instalaciones industriales	40	$ 30.8 millones

Clientes bancarios personales

Total de clientes bancarios personales: 37,216 con cuentas totales de depósito personal de $ 512.7 millones.

• Cuentas corrientes personales: 22,843
• Cuentas de ahorro personal: 19,562
• Saldo promedio de la cuenta personal: $ 13,742

Organizaciones locales sin fines de lucro

Base de clientes sin fines de lucro: 63 organizaciones con un valor de relación bancaria total de $ 18.4 millones.

Sector sin fines de lucro	Número de organizaciones	Relación bancaria total
Educación	22	$ 6.7 millones
Cuidado de la salud	15	$ 4.9 millones
Servicios comunitarios	18	$ 4.2 millones
Artes y cultura	8	$ 2.6 millones

Generations Bancorp NY, Inc. (GBNY) - Modelo de negocio: Estructura de costos

Compensación y beneficios de los empleados

A partir del informe anual de 2022, Generations Bancorp NY, Inc. reportó gastos totales de compensación de empleados de $ 13,852,000.

Categoría de gastos	Monto ($)
Salarios y salarios	10,642,000
Beneficios para empleados	3,210,000

Mantenimiento de la infraestructura tecnológica

Los costos de tecnología e infraestructura para el año fiscal 2022 totalizaron $ 4,237,000.

• Mantenimiento de sistemas de TI: $ 2,145,000
• Inversiones de ciberseguridad: $ 1,092,000
• Licencias de software: $ 1,000,000

Gastos de operación de rama

Los costos operativos relacionados con las sucursales para 2022 se documentaron como $ 6,543,000.

Tipo de gasto de rama	Monto ($)
Alquiler y ocupación	3,214,000
Utilidades	1,329,000
Mantenimiento y reparaciones	2,000,000

Costos de cumplimiento regulatorio

Los gastos relacionados con el cumplimiento para 2022 ascendieron a $ 2,876,000.

• Personal legal y de cumplimiento: $ 1,456,000
• Sistemas de informes regulatorios: $ 782,000
• Auditoría externa y consultoría: $ 638,000

Gastos de marketing y adquisición de clientes

Los gastos de marketing para el año fiscal 2022 fueron de $ 1,985,000.

Canal de marketing	Monto ($)
Marketing digital	987,000
Impresión y medios tradicionales	598,000
Programas de adquisición de clientes	400,000

Generations Bancorp NY, Inc. (GBNY) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos

Para el año fiscal que finaliza el 31 de diciembre de 2023, Generations Bancorp NY, Inc. reportó ingresos por intereses totales de $ 44.3 millones, con un desglose de la siguiente manera:

Categoría de préstamo	Ingresos por intereses
Préstamos inmobiliarios comerciales	$ 22.1 millones
Préstamos hipotecarios residenciales	$ 15.6 millones
Préstamos comerciales e industriales	$ 6.2 millones
Préstamos al consumo	$ 0.4 millones

Tarifas de servicio bancario

Los ingresos por tarifas de servicio bancario para 2023 totalizaron $ 7.2 millones, con la siguiente distribución:

• Tarifas de mantenimiento de la cuenta: $ 3.5 millones
• Tasas de transferencia de cables: $ 1.8 millones
• Tarifas de transacción de cajeros automáticos: $ 1.2 millones
• Tarifas de sobregiro: $ 0.7 millones

Tarifas de origen de la hipoteca

Las tarifas de origen de la hipoteca para el año 2023 ascendieron a $ 3.9 millones, con la siguiente composición:

Tipo de hipoteca	Tarifas de origen
Hipotecas residenciales	$ 3.4 millones
Hipotecas comerciales	$ 0.5 millones

Comisiones de productos de inversión

Los ingresos por la Comisión de Productos de Inversión para 2023 fueron de $ 2.6 millones, distribuido de la siguiente manera:

• Ventas de fondos mutuos: $ 1.2 millones
• Gestión de cuentas de jubilación: $ 0.9 millones
• Servicios de corretaje: $ 0.5 millones

Ingresos de la transacción bancaria digital

Los ingresos por transacciones bancarias digitales para 2023 alcanzaron los $ 1.5 millones, con el siguiente desglose:

Servicio digital	Ganancia
Transacciones bancarias en línea	$ 0.8 millones
Transacciones bancarias móviles	$ 0.5 millones
Servicios de pago digital	$ 0.2 millones

Generations Bancorp NY, Inc. (GBNY) - Canvas Business Model: Value Propositions

You're looking at the final phase of Generations Bancorp NY, Inc. (GBNY), which means the value proposition isn't about future growth; it's about the mechanics of the wind-down following the Purchase and Assumption (P&A) Transaction with ESL Federal Credit Union.

The core value for every stakeholder is tied directly to the cash distribution event, which is now firmly scheduled following the November 18, 2025, regulatory approval from the National Credit Union Association (NCUA).

For Shareholders: Realizing a final cash payout of $18.00 to $20.00 per share

The primary value proposition for you as a shareholder is the estimated aggregate cash distribution for each share of Generations Bancorp common stock owned. This is the final return on your equity investment, as Generations Bancorp will dissolve following the Bank Asset Sale.

The expected per share consideration is between $18.00 and $20.00 in cash. This distribution is planned in two stages:

• The substantial majority of the total per share consideration is expected to be distributed within six to nine months following the closing of the P&A Transaction.
• The balance of the per share consideration is to be distributed six to nine months after the first payment.

The P&A Transaction, which involves ESL Federal Credit Union acquiring substantially all of Generations Bank's assets and liabilities, is agreed to close on January 1, 2026.

Here are the key figures underpinning this value proposition:

Metric	Value
Estimated Cash Payout Per Share	$18.00 to $20.00
Total Cash Consideration Paid by ESL Federal Credit Union	$26.2 million
Generations Bank Total Assets Being Acquired	$401 million
Total Shares of Common Stock Outstanding (Approximate)	2.28 million

For Customers: Local community banking services continuity via the P&A

For the customers of Generations Bank, the value proposition is the continuity of service, as ESL Federal Credit Union is acquiring substantially all assets and liabilities, including deposit account liabilities. This ensures that banking relationships are maintained through the transition.

Generations Bank previously operated from its main office in Seneca Falls, New York, plus eight full-service offices and one drive-through facility across Auburn, Farmington, Geneva, Medina, Phelps, Union Springs, and Waterloo, New York.

The acquisition allows ESL Federal Credit Union to bring its services to these communities, expanding its footprint to more than 30 full-service branches throughout the Greater Rochester and Finger Lakes region, including parts of Cayuga, Seneca, Ontario, and Orleans counties.

For Municipalities: Specialized municipal banking services until closing

The value for municipalities is the continuation of specialized municipal banking services provided by Generations Bank up until the P&A Transaction closes on January 1, 2026. This ensures no interruption in service delivery for local government entities during the transition period governed by the Purchase and Assumption Agreement.

The operational status of Generations Bank, which is the subsidiary, remains intact until the closing date, providing a defined period for municipal partners to transition or rely on existing service structures.

For Investors: A short-term merger arbitrage opportunity

For you as a late-stage investor, the value proposition is a defined, short-term arbitrage opportunity. The investment thesis is not based on the bank's operational performance-which showed a trailing 12-month Net Income of -$4.78 million and an EPS of -$2.21 as of November 2025-but on the certainty of the cash payout.

The stock is trading at a discount to the expected liquidation value, creating a capture opportunity before the final closing date of January 1, 2026. The stock price as of December 4, 2025, was $17.8, which sits within the expected payout range of $18.00 to $20.00 per share.

This arbitrage play is characterized by:

• Low institutional ownership, reported effectively at 0.00%.
• A defined exit date: Closing on January 1, 2026.
• The entire value being derived from the cash distribution, not the underlying bank assets.

Finance: draft 13-week cash view by Friday.

Generations Bancorp NY, Inc. (GBNY) - Canvas Business Model: Customer Relationships

You're looking at the customer relationships for Generations Bancorp NY, Inc. (GBNY) as the company navigates a major transition-the Purchase and Assumption (P&A) Transaction with ESL Federal Credit Union. This context heavily influences how relationships are managed right now, shifting from long-term institution-building to managing an orderly wind-down for shareholders and service continuity for customers until the expected closing date of January 1, 2026.

The core customer base-consumers, businesses, and municipalities in the Finger Lakes region-is primarily served through a transactional service model for day-to-day banking needs. This is the engine running the business while the corporate structure is being dissolved. For instance, as of December 31, 2024, total deposits stood at $326.5 million, reflecting an 8.7% decrease from the prior year's $357.6 million. This transactional layer is supported by a physical footprint of nine retail locations across New York State, including Seneca Falls, Auburn, and Geneva.

The relationship structure for municipal clients is distinct. The Municipal Banking segment operates as a New York State-chartered limited-purpose commercial bank specifically for local municipalities. Even with the pending sale, municipal deposits held at Generations Commercial Bank were reported at $9.0 million as of December 31, 2024, a slight dip of 2.6% from $9.2 million the year before. This suggests a level of dedicated, specialized service that requires relationship management, even as the bank prepares to transfer these accounts.

Here's a quick look at the key financial metrics underpinning these customer relationships as of the last reported year-end:

Metric	Value (as of 12/31/2024)	Change from 12/31/2023
Total Deposits	$326.5 million	Decreased by 8.7%
Municipal Deposits (Commercial Bank)	$9.0 million	Decreased by 2.6%
Retail Locations	Nine	N/A
FHLBNY Grant Distribution (Orleans County)	$50,000	N/A

Direct communication with shareholders is currently dominated by the corporate action: the liquidation plan. Shareholders voted to approve the P&A Agreement and the Company's Plan of Liquidation and Dissolution on February 20, 2025. This communication is highly focused on the expected payout. Generations Bancorp NY, Inc. currently estimates that shareholders will receive an aggregate of between $18.00 and $20.00 in cash for each share owned. The timeline for this payoff is concrete: the substantial majority of that per-share consideration is expected to be distributed within six to nine months following the closing of the transaction. Any stockholder wishing to contact the Board of Directors regarding these matters is directed to write to the Corporate Headquarters at 20 East Bayard Street, Seneca Falls, New York 13148, Attention: Board of Directors.

Community-focused engagement remains a visible part of the relationship strategy, often facilitated through external partnerships. Generations Bank actively secures funding to support local organizations in its service area. For example, the bank announced securing $50,000 in grant funding from the Federal Home Loan Bank of New York (FHLBNY) for distribution to nine non-profits in Orleans County. Similarly, $50,000 in FHLBNY grant money was secured for seven non-profits in Seneca County, and another $50,000 was distributed among five non-profits in Union Springs. This demonstrates a commitment to community investment right up to the final stages of the bank's independent operation.

The relationship model is therefore a dual one right now:

• Transactional service for existing deposit and loan customers, maintaining operations across nine offices.
• Dedicated, high-touch management for municipal clients, whose deposits totaled $9.0 million at year-end 2024.
• Clear, direct communication to shareholders regarding the expected $18.00 to $20.00 per share payout following the P&A closing.
• Continued community investment, evidenced by multiple $50,000 FHLBNY grant distributions.

Finance: draft the cash flow projection incorporating the expected shareholder distribution timeline by Monday.

Generations Bancorp NY, Inc. (GBNY) - Canvas Business Model: Channels

The distribution and communication channels for Generations Bancorp NY, Inc. (GBNY) are anchored in its physical presence across the northern Finger Lakes region and its engagement with the public and shareholders through digital and regulatory avenues.

The physical distribution network for Generations Bank is geographically concentrated within New York State, serving its primary deposit and lending markets.

• Main office located at 20 East Bayard Street, Seneca Falls, New York 13148.
• Network includes eight full-service offices and one drive-through facility.
• Branch locations span Auburn, Farmington, Geneva, Medina, Phelps, Union Springs, and Waterloo, New York.

Consumer access to banking products, which include checking, savings, money market, and certificate of deposit accounts, is facilitated through digital platforms.

The company maintains online and mobile banking platforms to support consumer access to its suite of banking products and services. While specific user numbers for late 2025 aren't available, the commitment to these digital solutions supports the regional customer base.

For common stock trading, Generations Bancorp NY, Inc. utilizes the over-the-counter (OTC) market, specifically the OTCQX tier.

Here's a quick look at the trading metrics as of late September/November 2025:

Metric	Value (as of late 2025)
Stock Exchange Tier	OTCQX
Stock Price (as of 30-Sep-2025)	$17.15
Market Capitalization (as of 30-Sep-2025)	$39.1M
Shares Outstanding (approximate)	2.28M
Average Daily Share Volume (as of 11/14/2025)	9,370 shares
52-Week Range	$14.15 - $17.55

Shareholder communications rely on formal regulatory filings and direct outreach. The company uses these methods to keep investors informed, especially given the pending Purchase and Assumption Transaction with ESL Federal Credit Union, expected to close on January 1, 2026.

Shareholder communication channels include:

• Distribution of SEC Filings such as the 10-K, 10-Q, and Proxy Statements via platforms like SEC.gov and Fintel.
• Mailing of proxy materials, for instance, the Proxy Statement for the 2025 Annual Meeting was first mailed on or about May 23, 2025.
• The 2024 Annual Report was made available at www.generationsbancorpny.com/annual-meeting.
• Shareholders are currently estimated to receive an aggregate cash consideration between $18.00 and $20.00 per share from the P&A Transaction, distributed in two payments.

Generations Bancorp NY, Inc. (GBNY) - Canvas Business Model: Customer Segments

You're looking at the customer segments for Generations Bancorp NY, Inc. (GBNY) right at the moment the company is executing its final transaction, so the focus has sharply narrowed. The traditional banking customer base is now secondary to the event-driven arbitrage investor.

Retail Depositors and Consumers in the Finger Lakes Region, NY

This segment represents the core, long-standing deposit base of Generations Bank, concentrated in the northern Finger Lakes region of New York State. You can map their geographic footprint by the office locations, which include Seneca Falls (HQ), Auburn, Farmington, Geneva, Medina, Phelps, Union Springs, and Waterloo, covering parts of Cayuga, Seneca, Ontario, and Orleans counties.

As of the last full reporting period, the scale of this segment's funding was significant:

Deposit Category (As of December 31, 2024)	Amount (Millions USD)
Total Deposits	$326.5 million
Interest-bearing Accounts	$278.1 million
Certificates of Deposit (CDs)	$146.0 million
Noninterest-bearing Deposits	$48.3 million

The CD maturity profile shows that $134.5 million of these deposits were scheduled to mature in one year or less from December 31, 2024.

Local Businesses Requiring Commercial Real Estate and Consumer Loans

This group is served by the Community Banking segment, which historically provided loans to consumers and businesses, including mortgage banking services. While the P&A transaction with ESL Federal Credit Union means the loan portfolio is being transferred, the historical scale gives you context on the business Generations Bank was running.

The total asset base, which includes these loans, stood at $387.1 million at December 31, 2024. The loan portfolio itself saw a reduction, with net loans decreasing by $26.0 million between December 31, 2023, and December 31, 2024.

The Community Banking segment also historically included an Insurance Agency component, providing coverage to businesses and individuals.

New York State Local Municipalities (Municipal Banking Segment)

Generations Commercial Bank was specifically chartered to handle public funds from local municipalities, mainly within the Finger Lakes Region and Northwest New York State. This segment is a distinct, limited-purpose operation.

The deposits from this segment show a slight contraction leading up to the sale:

• Municipal deposits held at Generations Commercial Bank decreased by 2.6% to $9.0 million at December 31, 2024.
• This was down from $9.2 million at December 31, 2023.

Merger Arbitrage/Liquidation Investors Seeking the Cash Payout

This is the dominant customer segment as of late 2025, as the company is executing a Plan of Liquidation and Dissolution following the sale of its subsidiary bank. These investors are focused purely on the final cash distribution.

Here are the critical numbers driving this segment's interest:

• P&A Transaction with ESL Federal Credit Union received final NCUA approval on November 18, 2025.
• Expected closing date for the transaction: January 1, 2026.
• Estimated aggregate cash payout per share: between $18.00 and $20.00.
• Stock price as of November 19, 2025: approximately $17.61 per share.
• Total Shares Outstanding: Approximately 2.28 million shares.
• Total Market Capitalization (as of November 2025): Roughly $39.1 million.
• The payout is structured in two separate installments.

For context on the pre-sale operational performance that these investors are now ignoring, the Trailing Twelve Months (TTM) loss was $4.78 million, with a negative Earnings Per Share (EPS) of -$2.21.

Generations Bancorp NY, Inc. (GBNY) - Canvas Business Model: Cost Structure

You're looking at the core outflows for Generations Bancorp NY, Inc. (GBNY) as it navigates the final stages before the P&A Transaction closes on January 1, 2026. The cost structure here is heavily influenced by personnel and the winding down of operations, though we must rely on the latest reported full-year figures, primarily from December 31, 2024, for concrete numbers.

Employee compensation and benefits are a major fixed cost. For the year ended December 31, 2024, this expense was reported at $4.3 million, which represented a decrease of $1.8 million, or 29.0%, compared to the prior year. This figure supports the workforce, which the company profile indicates is comprised of 74 total staff.

The costs associated with the Purchase and Assumption (P&A) Transaction and the subsequent voluntary dissolution are material. Legal and professional fees saw a significant jump; for instance, professional services increased by $1.0 million, or 136.0%, during the year ended December 31, 2024. This reflects the complexity of the shareholder-approved plan, which moved forward after receiving approval on February 20, 2025.

Financing costs are tied directly to the balance sheet structure. As of the second quarter of 2024, Generations Bancorp NY, Inc. reported total liabilities of $366.21 million. While total interest expense on all liabilities isn't explicitly stated for the period, the borrowing expense component for the full year 2024 was $1.0 million, up 29.9% from $783,000 in 2023. This increase in borrowing cost was driven by a 47 basis point rise in the average cost of borrowings to 4.22% for 2024.

For branch operating expenses, we look at the physical footprint that these costs support. Generations Bank operates from its main office in Seneca Falls, plus eight full-service offices and one drive-through facility across the northern Finger Lakes region. Specific figures for rent, utilities, and maintenance for 2025 aren't available, but general noninterest expenses in 2024 saw decreases in professional services, other expenses, and advertising, offset by other factors.

Here's a quick look at the key cost drivers based on the latest available annual data:

Cost Category	Latest Reported Amount	Reporting Period/Context
Employee Compensation & Benefits	$4.3 million	Year Ended December 31, 2024
Total Liabilities	$366.21 million	Q2 2024
Borrowing Expense (Component of Interest Expense)	$1.0 million	Year Ended December 31, 2024
Increase in Professional Services Expense	$1.0 million	Year Ended December 31, 2024
Staff Count	74	Current Profile
Physical Locations (Offices/Drive-Throughs)	9 (8 full-service + 1 drive-through)	As of 2025 Filings

You should track the finalization of the P&A Transaction closely, as that event will trigger the final dissolution costs and the cessation of most ongoing operating expenses, like the $4.3 million in 2024 compensation costs. The structure shifts from an operating bank to a liquidation entity.

• Staff Count: 74 employees.
• Compensation & Benefits (2024): $4.3 million.
• Liabilities Balance (Q2 2024): $366.21 million.
• Borrowing Expense (FY 2024): $1.0 million.
• Professional Services Expense Growth (2024): Increase of $1.0 million.

Finance: draft 13-week cash view by Friday.

Generations Bancorp NY, Inc. (GBNY) - Canvas Business Model: Revenue Streams

You're looking at how Generations Bancorp NY, Inc. (GBNY) actually brings in the money, which is what the Revenue Streams block of the Business Model Canvas is all about. For a bank holding company like GBNY, the primary engine is interest income, but the fee-based income from services is also a key part of the mix.

The core revenue driver is the Net Interest Income, which comes from the difference between what Generations Bancorp NY, Inc. earns on its assets, primarily loans, and what it pays out on its liabilities, like deposits. As of the end of fiscal year 2024, the reported Net Loans balance stood at $307.5 million. For the full year 2024, the Net Interest Income was $7.2 million, a decrease from $8.7 million reported for the year ended December 31, 2023. This shift reflects a tightening net interest margin, which decreased 45 basis points to 1.98% for 2024 from 2.43% in 2023. That's the main story in bank revenue right now.

Beyond the interest spread, Generations Bancorp NY, Inc. generates non-interest income from various customer services. These streams are smaller but important for diversification. Here's a look at the key non-interest income components, comparing the latest full-year figures with the historical TTM examples you mentioned, which align with the 2023 results:

Revenue Stream Component	Latest Annual Figure (FY 2024, in thousands USD)	Historical Example Figure (FY 2023, in thousands USD)
Debit Card Interchange and Surcharge Income	$677K	$731K
Service Charges on Deposit Accounts	$512K	$541K
Insurance Commissions	$2K	$156K
Loan Servicing Fees	$148K	$139K
Net Gain on Sale of Generations Agency	-	$312K

The insurance segment revenue saw a dramatic change. Insurance commissions dropped sharply to $2,000 for the year ended December 31, 2024, down from $156,000 in 2023. This was directly tied to the sale of the book of business to Northwoods on June 1, 2023. Also, note the one-time $312,000 net gain recognized in 2023 from that same agency sale, which won't repeat in the 2025 run rate.

You can see the specific fee-based revenue sources clearly in this breakdown:

• Debit card interchange fees and surcharges were $677,000 for the full year 2024, compared to the $731,000 seen in 2023.
• Service charges on deposit accounts, covering things like overdrafts and transaction fees, totaled $512,000 in 2024, down from $541,000 in 2023.
• Insurance commissions from the Insurance Agency segment were minimal at $2,000 for 2024, reflecting the prior year's sale, compared to the $156,000 earned in 2023.

The total non-interest income for the year ended December 31, 2024, was $1,339,000, a notable drop from the $1,879,000 reported for 2023, largely due to the absence of the agency sale gain and lower insurance commissions. Finance: draft 13-week cash view by Friday.