Galion Building and Loan Bank: how it compares with its peers
Against 43 OH banks with half to twice its assets, Galion Building and Loan Bank's strongest measure in Q2 2026 is assets per employee ($5.6M vs. a $5.5M peer median). Its weakest relative measure is return on assets (0.48% vs. 0.80%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.48% | 0.80% | Bottom third Ahead of 28% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.47% | 3.72% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 82.80% | 77.33% | Middle third Ahead of 35% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $5.5M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.82% | 77.11% | Context |
What it means for lending operations
Its efficiency ratio of 82.80% is above the 77.33% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Blanchester Blanchester, OH · $78M
- Conneaut Savings Bank Conneaut, OH · $77M
- The Covington Savings and Loan Association Covington, OH · $84M
- The Peoples Savings Bank New Matamoras, OH · $72M
- Versailles Savings and Loan Company Versailles, OH · $66M
- The Ottoville Bank Company Ottoville, OH · $94M
Questions about Galion Building and Loan Bank
How big is Galion Building and Loan Bank?
Galion Building and Loan Bank, established in 1884, is headquartered in Galion, OH. It reported $79M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Galion Building and Loan Bank's return on assets?
0.48% annualized in Q2 2026, against a 0.80% median for 43 OH banks with half to twice its assets, ahead of 28% of them.
What is Galion Building and Loan Bank's efficiency ratio?
82.80% in Q2 2026: it spent about 83 cents in noninterest expense for each dollar of revenue. The peer median is 77.33%, and lower is better.
Is Galion Building and Loan Bank growing its loans?
Net loans shrank 0.9% over the year to Q2 2026, while deposits grew 0.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.