Generations Bank was established in 1870 as Seneca Falls Savings Bank-a New York chartered mutual savings bank. In March 2000, it reorganized into the two-tier mutual holding company structure. As part of the reorganization, the bank became a wholly owned subsidiary of Seneca-Cayuga Bancorp, Inc., and Seneca-Cayuga Bancorp, Inc. became the wholly owned subsidiary of Seneca Falls Savings Bank, MHC. The same directors and certain officers who manage the bank manage Seneca-Cayuga Bancorp, Inc. and Seneca Falls Savings Bank, MHC. In 2012, the bank's name and the insurance agency's name were changed to Generations Bank and Generations Agency respectively.
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