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Galion Building and Loan Bank, The

Galion, OH · Cert 32307

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OH (n=68 to 71). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

34

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

18

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Galion Building and Loan Bank, The

Galion, OH · Cert 32307

State charter, non-member · FDIC · 1 branch

Q2 2026

$78.5MAssets
$55.9MLoans
$63.3MDeposits
$8.7MEquity
Loan mix
83%RE $45.2M6%C&I $3.1M12%Consumer $6.3MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $51.9M18%Noninterest $11.4MQ2 2025Q2 2026

NIM

4.59%Q2 ’244.77%Q2 ’254.79%Q2 ’26-3%+4%

Non-interest income vs. expense

2.85%Q2 ’242.97%Q2 ’252.91%Q2 ’26+6%-2%

Executive Summary

  • Earnings: ROA of 0.48%, up 17 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.58% of loans (+9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.18%, up 25 bps from a year ago.
  • Funding: loans stand at 88.37% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.48%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+13 bps YoY

Efficiency Ratio (YTD, annualized)

82.80%-494 bps YoY

Tier 1 Leverage Ratio

11.18%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.35%0.36%0.41%0.48%+17 bps
Return on Equity2.96%3.26%3.37%3.82%4.40%+144 bps
Net Interest Margin3.19%3.21%3.19%3.23%3.31%+13 bps
Efficiency Ratio87.74%86.82%86.01%84.64%82.80%-494 bps
Non-Interest Burden2.77%2.76%2.71%2.70%2.71%-6 bps
Growth
Asset Growth (YoY)4.43%2.29%1.23%2.90%0.44%-398 bps
Loan Growth (YoY)2.23%3.95%-1.65%-1.48%-0.91%-314 bps
Deposit Growth (YoY)4.01%1.93%1.01%2.92%0.89%-312 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.36%0.35%0.29%0.58%+9 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%0.00%0 bps
Allowance / Loans0.61%0.61%0.63%0.64%0.62%+1 bps
Allowance Coverage of NPLs1.2x1.7x1.8x2.2x1.1x-0.2x
Capital
Tier 1 Leverage Ratio10.93%10.97%10.86%11.08%11.18%+25 bps
Total Risk-Based Capital10.93%10.97%10.86%11.08%11.18%+25 bps
Equity / Assets10.71%10.80%10.88%10.86%11.13%+42 bps
Liquidity & Funding
Loans / Deposits89.98%90.66%86.69%84.90%88.37%-160 bps
Liquid Assets / Assets19.05%19.37%22.60%23.85%21.61%+256 bps
CRE / Total Capitaln/a60.15%45.09%49.94%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Galion Building and Loan Bank, The

Galion, OH · Cert 32307 · Peer group: banks under $1B in assets in OH (n=68-71)

State charter, non-member · FDIC · 1 branch

Q2 2026

$78.5MAssets
$55.9MLoans
$63.3MDeposits
$8.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
  • Widest gap: return on equity trails 86% of banks under $1B in assets in OH (rank 61 of 71).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.48%

Rank 60 of 71

Net Interest Margin

3.31%

Rank 46 of 71

Efficiency Ratio

82.80%

Rank 59 of 71

Equity / Assets

11.13%

Rank 30 of 71

Non-interest income vs. expense

$0.2M$2.3MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 18% of banks under $1B in assets in OH
Bank 82.80%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.48%0.62%1.02%1.39%Beats 15%60 / 71
Return on Equity4.35%5.62%10.07%13.60%Beats 14%61 / 71
Net Interest Margin3.31%2.93%3.56%4.07%Beats 35%46 / 71
Efficiency Ratio82.80%55.94%70.77%78.80%Beats 18%59 / 71
Asset Quality
Nonperforming Loans / Loans0.58%0.08%0.27%0.97%Beats 40%42 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%26 / 68
Capital
Tier 1 Capital Ratio11.18%11.18%13.77%20.34%Beats 24%54 / 71
Total Risk-Based Capital Ratio11.18%12.08%14.34%21.24%Beats 20%57 / 71
Equity / Assets11.13%8.41%10.74%13.32%Beats 58%30 / 71
Liquidity & Funding
Loans / Deposits88.37%64.48%76.81%87.49%76th pctl16 / 68
Loans / Assets71.25%55.33%65.58%72.51%70th pctl21 / 71
Brokered Deposits / Depositsn/aNot reported for this institution