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
Unfavorable gap of $2.4M · efficiency ratio beats 3% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Margin | 3.96% | 3.03% | 3.54% | 4.05% | Beats 71% | 182 / 629 | |
| Efficiency Ratio | 157.30% | 58.35% | 67.79% | 79.08% | Beats 3% | 614 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 29.51% | 11.24% | 13.84% | 18.77% | Beats 87% | 81 / 629 | |
| Total Risk-Based Capital Ratio | 30.06% | 11.58% | 14.43% | 19.66% | Beats 87% | 83 / 629 | |
| Equity / Assets | 20.44% | 9.09% | 10.65% | 13.80% | Beats 88% | 78 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 62.60% | 67.24% | 80.90% | 93.48% | 21st pctl | 469 / 594 | |
| Loans / Assets | 49.53% | 53.31% | 67.71% | 78.15% | 21st pctl | 500 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |