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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 $6.3MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $51.9M18%Noninterest $11.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.43%0.29%0.32%0.35%0.36%0.41%0.48%+17 bps
Return on Equity4.37%4.05%2.70%2.96%3.26%3.37%3.82%4.40%+144 bps
Net Interest Margin3.25%3.17%3.11%3.19%3.21%3.19%3.23%3.31%+13 bps
Efficiency Ratio82.09%82.16%88.04%87.74%86.82%86.01%84.64%82.80%-494 bps
Non-Interest Burden2.63%2.56%2.71%2.77%2.76%2.71%2.70%2.71%-6 bps
Growth
Asset Growth (YoY)-0.62%0.79%1.80%4.43%2.29%1.23%2.90%0.44%-398 bps
Loan Growth (YoY)-2.95%0.98%2.16%2.23%3.95%-1.65%-1.48%-0.91%-314 bps
Deposit Growth (YoY)0.83%2.20%1.61%4.01%1.93%1.01%2.92%0.89%-312 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.31%0.28%0.50%0.36%0.35%0.29%0.58%+9 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%0.00%0.00%-0.01%0.00%0 bps
Allowance / Loans0.60%0.61%0.63%0.61%0.61%0.63%0.64%0.62%+1 bps
Allowance Coverage of NPLs1.3x1.9x2.2x1.2x1.7x1.8x2.2x1.1x-0.2x
Capital
Tier 1 Leverage Ratio11.01%10.83%10.88%10.93%10.97%10.86%11.08%11.18%+25 bps
Total Risk-Based Capital11.01%10.83%10.88%10.93%10.97%10.86%11.08%11.18%+25 bps
Equity / Assets10.71%10.62%10.77%10.71%10.80%10.88%10.86%11.13%+42 bps
Liquidity & Funding
Loans / Deposits88.89%89.04%88.69%89.98%90.66%86.69%84.90%88.37%-160 bps
Liquid Assets / Assets18.77%18.53%19.94%19.05%19.37%22.60%23.85%21.61%+256 bps
CRE / Total Capitaln/an/an/an/a60.15%45.09%49.94%n/an/a