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
Unfavorable gap of $2.1M · efficiency ratio beats 18% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.48% | 0.62% | 1.02% | 1.39% | Beats 15% | 60 / 71 | |
| Return on Equity | 4.35% | 5.62% | 10.07% | 13.60% | Beats 14% | 61 / 71 | |
| Net Interest Margin | 3.31% | 2.93% | 3.56% | 4.07% | Beats 35% | 46 / 71 | |
| Efficiency Ratio | 82.80% | 55.94% | 70.77% | 78.80% | Beats 18% | 59 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.08% | 0.27% | 0.97% | Beats 40% | 42 / 68 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 11.18% | 11.18% | 13.77% | 20.34% | Beats 24% | 54 / 71 | |
| Total Risk-Based Capital Ratio | 11.18% | 12.08% | 14.34% | 21.24% | Beats 20% | 57 / 71 | |
| Equity / Assets | 11.13% | 8.41% | 10.74% | 13.32% | Beats 58% | 30 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 88.37% | 64.48% | 76.81% | 87.49% | 76th pctl | 16 / 68 | |
| Loans / Assets | 71.25% | 55.33% | 65.58% | 72.51% | 70th pctl | 21 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |