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Gala Bank

Ocala, FL · Cert 59358

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

87

Q4 2024Q2 2026peer median (50)

Asset Quality

100

Q1 2025Q2 2026peer median (50)

Profitability

26

Q4 2024Q2 2026peer median (50)

Liquidity

44

Q1 2025Q2 2026peer median

Efficiency

3

Q1 2025Q2 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

Gala Bank

Ocala, FL · Cert 59358

State charter, non-member · FDIC · 2 branches

Q2 2026

$44.9MAssets
$22.2MLoans
$35.5MDeposits
$9.2MEquity
Loan mix
49%RE $7.8M49%C&I $7.8M2%Consumer $0.3MQ4 2024Q2 2026
Deposit mix
59%Interest-bearing $20.8M41%Noninterest $14.7MQ4 2024Q2 2026

Market Position · Ocala, FL · 2026 SOD (annual) · 0.3% share · #21 of 21 inst. · $0.0B of $7.6B

0.3% Marion
0.2% Alachua

Executive Summary

  • Earnings: ROA of -1.98%, up 215 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 22.07%, down 2,518 bps from a year ago.
  • Funding: loans stand at 62.60% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-1.98%+215 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+129 bps YoY

Efficiency Ratio (YTD, annualized)

157.30%-9,625 bps YoY

Tier 1 Leverage Ratio

22.07%-2,518 bps YoY

NIM

0.00%Q4 ’243.33%Q2 ’254.82%Q2 ’26+48%

Non-interest income vs. expense

18.05%Q4 ’246.64%Q2 ’256.46%Q2 ’26-63%-6%

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-13.37%-4.86%-4.12%-3.52%-3.48%-2.18%-1.98%+215 bps
Return on Equity-13.44%-7.01%-7.15%-7.25%-7.96%-7.47%-7.72%-57 bps
Net Interest Margin0.00%3.50%2.68%2.71%2.86%4.10%3.96%+129 bps
Efficiency Ration/a309%254%216%209%164.04%157.30%-9,625 bps
Non-Interest Burden18.05%10.34%6.62%5.74%5.90%6.75%6.23%-39 bps
Growth
Asset Growth (YoY)n/an/an/an/a197.97%78.64%93.66%n/a
Loan Growth (YoY)n/an/an/an/an/a365%216%n/a
Deposit Growth (YoY)n/an/an/an/an/a175.58%169.41%n/a
Asset Quality
Nonperforming Loans / Loansn/a0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loansn/a0.96%0.99%0.79%0.85%0.85%0.70%-29 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio100.23%84.87%47.25%34.27%30.13%26.48%22.07%-2,518 bps
Total Risk-Based Capital266%115.74%78.21%49.92%39.56%37.06%30.06%-4,816 bps
Equity / Assets99.41%53.04%42.89%32.42%31.00%27.48%20.44%-2,244 bps
Liquidity & Funding
Loans / Depositsn/a38.25%53.42%62.32%68.88%64.50%62.60%+918 bps
Liquid Assets / Assets0.00%0.00%0.00%0.82%0.85%3.16%1.74%+174 bps
CRE / Total Capitaln/an/an/a77.02%84.57%90.73%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

Gala Bank

Ocala, FL · Cert 59358 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 2 branches

Q2 2026

$44.9MAssets
$22.2MLoans
$35.5MDeposits
$9.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: efficiency ratio trails 97% of banks under $1B in assets (rank 614 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

-1.61%

Rank 607 of 629

Net Interest Margin

3.96%

Rank 182 of 629

Efficiency Ratio

157.30%

Rank 614 of 629

Equity / Assets

20.44%

Rank 78 of 629

Non-interest income vs. expense

$0.1M$2.5MINCOMEEXPENSE
Unfavorable gap of $2.4M · efficiency ratio beats 3% of banks under $1B in assets
Bank 157.30%Peer median 67.8%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-1.61%0.60%1.01%1.45%Beats 3%607 / 629
Return on Equity-7.89%5.38%9.30%13.28%Beats 4%604 / 629
Net Interest Margin3.96%3.03%3.54%4.05%Beats 71%182 / 629
Efficiency Ratio157.30%58.35%67.79%79.08%Beats 3%614 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio29.51%11.24%13.84%18.77%Beats 87%81 / 629
Total Risk-Based Capital Ratio30.06%11.58%14.43%19.66%Beats 87%83 / 629
Equity / Assets20.44%9.09%10.65%13.80%Beats 88%78 / 629
Liquidity & Funding
Loans / Deposits62.60%67.24%80.90%93.48%21st pctl469 / 594
Loans / Assets49.53%53.31%67.71%78.15%21st pctl500 / 629
Brokered Deposits / Depositsn/aNot reported for this institution