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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 -1.87%, up 159 bps year over year; NIM at 4.41%.
  • 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 (quarter, annualized)

-1.87%+159 bps YoY

Net Interest Margin (quarter, annualized)

4.41%+106 bps YoY

Efficiency Ratio (quarter, annualized)

151.83%-6,901 bps YoY

Tier 1 Leverage Ratio

22.07%-2,518 bps YoY

NIM

3.72%Q1 ’254.51%Q2 ’255.31%Q2 ’26-4%+32%

Non-interest income vs. expense

10.34%Q1 ’257.28%Q2 ’256.87%Q2 ’26-30%-8%

Discrete quarter, annualized.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-13.37%-4.86%-3.46%-2.76%-3.23%-2.18%-1.87%+159 bps
Return on Equity-13.44%-7.01%-7.29%-7.47%-10.17%-7.47%-7.98%-68 bps
Net Interest Margin0.00%3.50%3.35%4.15%4.05%4.10%4.41%+106 bps
Efficiency Ration/a309%221%179.78%197.12%164.04%151.83%-6,901 bps
Non-Interest Burdenn/a10.34%7.24%7.30%8.00%6.75%6.66%-58 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