generations bancorp ny, inc. operates as a holding company for generations bank that provides various banking products and services. the company offers various deposit accounts, including demand, now, money market, savings, and certificates of deposit accounts. it also provides one- to four-family residential real estate loans; commercial real estate loans that are secured by office buildings, hotel and motels, wineries, manufacturing facilities, churches, retail and mixed-use properties, and light industrial properties; multifamily loans, which are secured by five or more-unit residential buildings; secured loans to professionals, sole proprietorships, and small businesses for commercial, corporate, and business purposes; manufactured home loans; automobile loans; home equity loans and lines of credit; construction loans; and other secured and unsecured consumer loans, such as loans secured by recreational vehicles, boats, savings deposits, and student loans. in addition, it invests i