| Metric | Gala Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +93.7% | +3.0% | +90.7 pts |
| Deposit growth (YoY) | +169.4% | +2.5% | +166.9 pts |
| Loan growth (YoY) | +216.6% | +2.6% | +214.0 pts |
| ROA | -1.98% | 0.99% | -3.0 pts |
| ROE | -7.7% | 8.1% | -15.8 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.9M | $35.5M | $22.1M | $9.2M | $-362K | -1.98% | 4.82% | 0.00% |
| Q1 2026 | $34.1M | $24.7M | $15.8M | $9.4M | $-177K | -2.18% | 4.90% | 0.00% |
| Q4 2025 | $30.9M | $21.2M | $14.5M | $9.6M | $-792K | -3.48% | 4.47% | 0.00% |
| Q3 2025 | $30.1M | $20.3M | $12.5M | $9.8M | $-546K | -3.52% | 4.24% | 0.00% |
| Q2 2025 | $23.2M | $13.2M | $7.0M | $9.9M | $-362K | -4.12% | 3.72% | 0.00% |
| Q1 2025 | $19.1M | $8.9M | $3.4M | $10.1M | $-179K | -4.86% | 3.35% | 0.00% |
| Q4 2024 | $10.4M | $0 | $0 | $10.3M | $-1.4M | -13.37% | 0.00% | 0.00% |
Loan mix (Q2 2026): real estate $11.7M · commercial $9.1M · consumer $391K · securities $6.4M
| Ratio | Gala Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.98% | 0.99% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -7.7% | 8.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.82% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 157.3% | 70.8% | 96th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Gala Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Gala Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Gala Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Gala Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Gala Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+1 vs 2025) · $35.5M branch deposits. Biggest market: Marion, FL, ranked 28th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, FL | 1 | $23.0M | 0.22% | 28th |
| Alachua, FL | 1 | $12.5M | 0.14% | 25th |
Florida: 276th with 0.00% · Ocala metro: 28th, 0.22% · Gainesville metro: 27th, 0.12% ·
Branch count: 2025 1 · 2026 2
Technology spend down 66% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).