Gala Bank: how it compares with its peers
Against 452 U.S. banks with half to twice its assets, Gala Bank's strongest measure in Q2 2026 is net interest margin (4.82% vs. a 3.87% peer median). Its weakest relative measure is return on assets (-1.98% vs. 1.03%).
| Measure | Gala Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -1.98% | 1.03% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.82% | 3.87% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 157.30% | 70.24% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.5M | $6.0M | Bottom third Ahead of 6% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.16% | 64.06% | Context |
What it means for lending operations
Its efficiency ratio of 157.30% is above the 70.24% 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
- Highland State Bank Highland, WI · $45M
- Portrait Bank Winter Park, FL · $45M
- Sound Banking Company Lakewood, WA · $45M
- ITS Bank Johnston, IA · $45M
- NINNESCAH VALLEY BANK Cunningham, KS · $45M
- 1st Bank in Hominy Hominy, OK · $45M
Questions about Gala Bank
How big is Gala Bank?
Gala Bank, established in 2024, is headquartered in Ocala, FL. It reported $45M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Gala Bank's return on assets?
-1.98% annualized in Q2 2026, against a 1.03% median for 452 U.S. banks with half to twice its assets, ahead of 4% of them.
What is Gala Bank's efficiency ratio?
157.30% in Q2 2026: it spent about 157 cents in noninterest expense for each dollar of revenue. The peer median is 70.24%, and lower is better.
Is Gala Bank growing its loans?
Net loans grew 216.6% over the year to Q2 2026, while deposits grew 169.4%.
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 U.S. 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 Florida bank ranked.