Générations Bancorp NY, Inc. (GBNY): Business Model Canvas [Jan-2025 Mise à jour]

Plongeant dans le plan stratégique des générations Bancorp NY, Inc. (GBNY), cette exploration dévoile un modèle commercial méticuleusement conçu qui transforme les paradigmes bancaires traditionnels. En mélangeant de manière transparente la communauté locale de la communauté locale avec une infrastructure numérique de pointe, GBNY apparaît comme une institution financière dynamique qui va au-delà de la simple banque transactionnelle. Leur approche innovante épouse le service personnalisé avec la sophistication technologique, créant une proposition de valeur unique qui résonne avec les petites entreprises, les résidents locaux et les investisseurs commerciaux à travers l'État de New York.

Générations Bancorp NY, Inc. (GBNY) - Modèle d'entreprise: partenariats clés

Banques communautaires locales et institutions financières

Depuis le quatrième trimestre 2023, Generations Bancorp NY, Inc. maintient des partenariats stratégiques avec 12 banques communautaires locales dans l'État de New York.

Type de partenaire	Nombre de partenariats	Couverture géographique
Banques communautaires locales	12	État de New York
Institutions financières régionales	7	Nord-Est des États-Unis

Réseaux de prêts régionaux

GBNY participe à 5 réseaux de prêts régionaux avec une valeur combinée de portefeuille de prêts de 87,4 millions de dollars au 31 décembre 2023.

• Réseau de prêt de l'administration des petites entreprises (SBA)
• Consortium de prêt immobilier commercial
• Partenariat de prêt agricole
• Alliance de prêt de développement communautaire
• Réseau de prêts commerciaux minoritaires

Fournisseurs de services technologiques

GBNY collabore avec 3 fournisseurs de services technologiques primaires, investissant 2,3 millions de dollars dans les infrastructures technologiques en 2023.

Fournisseur de technologie	Services	Investissement annuel
Fiserv Inc.	Systèmes bancaires de base	1,1 million de dollars
Jack Henry & Associés	Solutions bancaires numériques	$750,000
Symantec Corporation	Services de cybersécurité	$450,000

Partenaires de conformité réglementaire

GBNY travaille avec 4 cabinets de conseil en conformité réglementaires spécialisés, dépensant environ 680 000 $ pour les services de conformité en 2023.

• Consultants du département bancaire de l'État de New York
• Spécialistes de la conformité réglementaire fédérale
• Sociétés consultatives anti-blanchiment (AML)
• Consultants en conformité en cybersécurité

Sociétés d'assurance et d'investissement

La banque maintient des partenariats avec 6 sociétés d'assurance et d'investissement, avec des actifs collaboratifs sous gestion totalisant 215,6 millions de dollars en 2023.

Type de partenaire	Nombre de partenariats	Actifs collaboratifs
Sociétés d'assurance	3	95,4 millions de dollars
Sociétés de gestion des investissements	3	120,2 millions de dollars

Générations Bancorp NY, Inc. (GBNY) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et personnels

Au quatrième trimestre 2023, les générations Bancorp NY, Inc. ont déclaré un actif total de 1,48 milliard de dollars. La banque fournit aux services bancaires commerciaux un portefeuille de prêts de 1,07 milliard de dollars.

Catégorie de service bancaire	Volume total (2023)
Prêts commerciaux	687,3 millions de dollars
Prêts personnels	382,6 millions de dollars
Portefeuille de prêts totaux	1,07 milliard de dollars

Prêts hypothécaires

Les prêts hypothécaires représentent un élément important des activités clés de GBNY.

Métriques de prêt hypothécaire	2023 données
Prêts hypothécaires totaux	412,5 millions de dollars
Volume d'hypothèque résidentiel	276,8 millions de dollars
Volume hypothécaire commercial	135,7 millions de dollars

Gestion des comptes de dépôt

GBNY gère divers comptes de dépôt avec des dépôts totaux de 1,32 milliard de dollars en 2023.

• Comptes chèques: 524,6 millions de dollars
• Comptes d'épargne: 376,2 millions de dollars
• Comptes de marché monétaire: 215,4 millions de dollars
• Certificats de dépôt: 203,8 millions de dollars

Développement de la plate-forme bancaire numérique

Les investissements bancaires numériques pour 2023 ont totalisé 4,2 millions de dollars.

Fonctionnalité bancaire numérique	Taux d'adoption des utilisateurs
Application bancaire mobile	62.3%
Plateforme bancaire en ligne	73.5%
Services de paiement numérique	48.7%

Gestion des risques et avis financier

Le budget de gestion des risques pour 2023 était de 3,6 millions de dollars.

• Budget du Département de la conformité: 1,8 million de dollars
• Technologies d'évaluation des risques: 1,2 million de dollars
• Services de conseil financier: 600 000 $

Générations Bancorp NY, Inc. (GBNY) - Modèle commercial: Ressources clés

Réseau de succursales dans le nord de New York

Au 31 décembre 2023, Generations Bancorp NY, Inc. exploite 13 succursales à service complet dans le nord de New York, spécifiquement concentré dans la région de la capitale et les régions de la vallée de l'Hudson.

Type d'emplacement de la succursale	Nombre de branches
Branches à service complet	13
Zone de service primaire	Capital Region et Hudson Valley

Professionnels bancaires expérimentés

La banque emploie 157 employés équivalents à temps plein depuis la dernière période d'information financière.

• Tiration moyenne des employés: 8,3 ans
• Équipe de direction avec une expérience bancaire combinée de plus de 125 ans

Infrastructure de technologie bancaire numérique

Investissement total de technologie et de banque numérique pour 2023: 2,3 millions de dollars

Canal bancaire numérique	Utilisateurs actifs
Banque en ligne	22,456
Application bancaire mobile	18,743

Solides réserves de capital

Dès les états financiers du quatrième trimestre 2023:

• Total des actifs: 1,42 milliard de dollars
• Équité totale: 138,6 millions de dollars
• Ratio de capital de niveau 1: 12,7%
• Ratio de capital total: 13,9%

Données clients et systèmes de gestion des relations

Investissement dans la technologie de gestion de la relation client (CRM): 647 000 $ en 2023

Segment de clientèle	Relations totales
Banque personnelle	34,211
Banque d'affaires	2,876

Générations Bancorp NY, Inc. (GBNY) - Modèle d'entreprise: propositions de valeur

Services bancaires personnalisés pour les communautés locales

Au quatrième trimestre 2023, Generations Bancorp NY, Inc. dessert 12 comtés de l'État de New York avec un total de 16 succursales. L'actif total de la banque était de 1,23 milliard de dollars, avec un portefeuille de prêts de 879,4 millions de dollars.

Catégorie de service	Détail	Couverture
Banque communautaire locale	Services financiers ciblés	12 comtés de New York
Réseau de succursale	Emplacements physiques	16 branches
Actif total	Taille de la banque	1,23 milliard de dollars

Taux d'intérêt concurrentiels sur les prêts et les dépôts

Au 31 décembre 2023, la banque a offert:

• Taux de prêt personnel: 6,25% - 12,75%
• Taux hypothécaires: 6,50% - 7,25%
• Taux de compte d'épargne: 0,75% - 1,50%
• Certificat de taux de dépôt: 3,25% - 4,75%

Options bancaires numériques et en personne pratique

Canal bancaire	Services offerts	Pénétration de l'utilisateur
Banque en ligne	Gestion des comptes, transferts	68% de la clientèle
Application bancaire mobile	Dépôts mobiles, paiement de facture	52% de la clientèle
Réseau ATM	Retraits en espèces, dépôts	28 emplacements ATM

Solutions financières axées sur la relation

La banque propose un ciblage financier spécialisé:

• Prêts aux petites entreprises: portefeuille de 287,6 millions de dollars
• Prêts agricoles: portefeuille de 124,3 millions de dollars
• Financement immobilier commercial: portefeuille de 412,5 millions de dollars

Service client réactif

Métrique de service	Performance
Temps de réponse moyen du client	Moins de 2 heures
Taux de satisfaction client	4.2 / 5 étoiles
Taux de rétention de la clientèle	87.5%

Générations Bancorp NY, Inc. (GBNY) - Modèle d'entreprise: relations avec les clients

Gestion des relations bancaires personnelles

Depuis le quatrième trimestre 2023, Generations Bancorp NY, Inc. maintient 12 succursales à service complet dans l'État de New York, desservant environ 24 500 clients bancaires personnels.

Segment de clientèle	Nombre de clients	Solde moyen du compte
Vérification personnelle	16,750	$8,325
Économies personnelles	7,750	$15,600

Assistance bancaire en ligne et mobile

Statistiques de la plate-forme bancaire numérique pour 2023:

• Utilisateurs de la banque mobile: 18 375
• Utilisateurs bancaires en ligne: 21 250
• Volume des transactions numériques: 642 000 transactions mensuelles

Bâtiment de relations axé sur la communauté

Métriques d'engagement communautaire pour 2023:

• Événements communautaires locaux parrainés: 42
• Investissement total de la communauté: 275 000 $
• Partenariats commerciaux locaux: 87

Gestionnaires de relations dédiées

Segment de clientèle	Nombre de gestionnaires dédiés	Portefeuille de clients moyens
Banque d'affaires	8	45 clients par gestionnaire
Individus de valeur nette élevée	5	38 clients par gestionnaire

Canaux de communication clients réguliers

Utilisation des canaux de communication en 2023:

• Communications par e-mail: 215 000 envoyés
• Campagnes de publipostage: 98 500 envoyés
• Enquêtes de satisfaction client: 12 600 réponses
• Interactions des médias sociaux: 45 300

Générations Bancorp NY, Inc. (GBNY) - Modèle d'entreprise: canaux

Implices de succursales bancaires physiques

En 2024, Generations Bancorp NY, Inc. exploite 16 succursales bancaires physiques concentrées dans le nord de New York, en particulier dans les régions de la vallée de l'Hudson et du district de la capitale.

Type d'emplacement de la succursale	Nombre de branches	Couverture géographique
Branches à service complet	14	Comtés d'Albany, Rensselaer et Greene
Branches à service limité	2	Emplacements communautaires spécialisés

Plateforme bancaire en ligne

La plate-forme numérique de la banque prend en charge environ 87% de ses transactions bancaires à la clientèle à partir de la période d'information financière la plus récente.

• Plate-forme Web accessible 24/7
• Connexion cryptée sécurisée
• Caractéristiques de gestion des comptes
• Services de paiement de factures
• Déclarations électroniques

Application bancaire mobile

L'utilisation des banques mobiles représente 62% des interactions bancaires numériques pour les générations Bancorp NY, Inc.

Fonctionnalité d'application mobile	Disponibilité
Dépôt de chèques mobiles	Disponible
Alertes de compte en temps réel	Disponible
Paiements de pairs	Disponible

Services bancaires téléphoniques

Générations Bancorp NY, Inc. maintient un centre de support client opérant 12 heures par jour, gérant environ 5 200 interactions client chaque mois.

Réseau ATM

La banque maintient 22 emplacements ATM propriétaires et participe à un réseau partagé de 350 distributeurs automatiques de billets supplémentaires dans l'État de New York.

Type de guichet automatique	Nombre d'emplacements	Capacités de transaction
MAT propriétaires	22	Capacités de transaction complètes
ATM du réseau partagé	350	Capacités de transaction limitées

Générations Bancorp NY, Inc. (GBNY) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, Generations Bancorp NY, Inc. dessert environ 1 247 petites et moyennes entreprises de la région de New York. Portfolio total de prêts commerciaux pour ce segment: 184,3 millions de dollars.

Segment d'entreprise	Nombre de clients	Portefeuille de prêts totaux
Commerces de détail	412	62,7 millions de dollars
Services professionnels	328	53,4 millions de dollars
Fabrication	215	41,6 millions de dollars
Startups technologiques	292	26,6 millions de dollars

Clients résidentiels locaux

Base de clients de 24 563 clients bancaires résidentiels avec un portefeuille hypothécaire total de 412,6 millions de dollars en décembre 2023.

• Montant moyen du prêt hypothécaire: 278 450 $
• Comptes d'épargne résidentiels: 18 792
• Dépôts résidentiels totaux: 276,3 millions de dollars

Investisseurs immobiliers commerciaux

Portefeuille d'investissement immobilier commercial: 246,8 millions de dollars dans 187 relations avec les clients.

Type de propriété	Nombre d'investisseurs	Valeur d'investissement totale
Résidentiel multifamilial	68	94,2 millions de dollars
Espace de bureau commercial	42	76,5 millions de dollars
Propriétés de vente au détail	37	45,3 millions de dollars
Installations industrielles	40	30,8 millions de dollars

Clients bancaires personnels

Clients bancaires personnels totaux: 37 216 avec des comptes de dépôts personnels totaux de 512,7 millions de dollars.

• Comptes de chèques personnels: 22 843
• Comptes d'épargne personnels: 19 562
• Solde moyen du compte personnel: 13 742 $

Organisations locales à but non lucratif

Base de clients à but non lucratif: 63 organisations ayant une valeur totale de la relation bancaire de 18,4 millions de dollars.

Secteur à but non lucratif	Nombre d'organisations	Relation bancaire totale
Éducation	22	6,7 millions de dollars
Soins de santé	15	4,9 millions de dollars
Services communautaires	18	4,2 millions de dollars
Arts et culture	8	2,6 millions de dollars

Générations Bancorp NY, Inc. (GBNY) - Modèle d'entreprise: Structure des coûts

Compensation et avantages sociaux des employés

Depuis le rapport annuel de 2022, Generations Bancorp NY, Inc. a déclaré des frais totaux de rémunération des employés de 13 852 000 $.

Catégorie de dépenses	Montant ($)
Salaires et salaires	10,642,000
Avantages sociaux	3,210,000

Maintenance des infrastructures technologiques

Les coûts de technologie et d'infrastructure pour l'exercice 2022 ont totalisé 4 237 000 $.

• Maintenance des systèmes informatiques: 2 145 000 $
• Investissements en cybersécurité: 1 092 000 $
• Licence de logiciel: 1 000 000 $

Dépenses de fonctionnement de la succursale

Les coûts opérationnels liés aux succursales pour 2022 ont été documentés à 6 543 000 $.

Type de dépenses de branche	Montant ($)
Loyer et occupation	3,214,000
Services publics	1,329,000
Entretien et réparations	2,000,000

Coûts de conformité réglementaire

Les dépenses liées à la conformité pour 2022 s'élevaient à 2 876 000 $.

• Personnel juridique et de conformité: 1 456 000 $
• Systèmes de rapports réglementaires: 782 000 $
• Audit externe et conseil: 638 000 $

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour l'exercice 2022 étaient de 1 985 000 $.

Canal de marketing	Montant ($)
Marketing numérique	987,000
Impression et médias traditionnels	598,000
Programmes d'acquisition de clients	400,000

Générations Bancorp NY, Inc. (GBNY) - Modèle d'entreprise: Strots de revenus

Intérêt des prêts

Pour l'exercice se terminant le 31 décembre 2023, Generations Bancorp NY, Inc. a déclaré un revenu total d'intérêts de 44,3 millions de dollars, avec une rupture comme suit:

Catégorie de prêt	Revenu d'intérêt
Prêts immobiliers commerciaux	22,1 millions de dollars
Prêts hypothécaires résidentiels	15,6 millions de dollars
Prêts commerciaux et industriels	6,2 millions de dollars
Prêts à la consommation	0,4 million de dollars

Frais de service bancaire

Les revenus des frais de service bancaire pour 2023 ont totalisé 7,2 millions de dollars, la distribution suivante:

• Frais de maintenance du compte: 3,5 millions de dollars
• Frais de transfert de fil: 1,8 million de dollars
• Frais de transaction ATM: 1,2 million de dollars
• Frais de découvert: 0,7 million de dollars

Frais d'origine hypothécaire

Les frais d'origine hypothécaire pour l'année 2023 s'élevaient à 3,9 millions de dollars, la composition suivante:

Type hypothécaire	Frais d'origine
Hypothèques résidentielles	3,4 millions de dollars
Hypothèques commerciales	0,5 million de dollars

Commissions de produits d'investissement

Les revenus de la Commission des produits d'investissement pour 2023 étaient de 2,6 millions de dollars, distribués comme suit:

• Ventes de fonds communs de placement: 1,2 million de dollars
• Gestion des comptes de retraite: 0,9 million de dollars
• Services de courtage: 0,5 million de dollars

Revenus des transactions bancaires numériques

Les revenus des transactions bancaires numériques pour 2023 ont atteint 1,5 million de dollars, avec la ventilation suivante:

Service numérique	Revenu
Transactions bancaires en ligne	0,8 million de dollars
Transactions bancaires mobiles	0,5 million de dollars
Services de paiement numérique	0,2 million de dollars

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.