GALION BUILDING AND LOAN BANK, THE

GALION, OH | Micro | Est. Feb. 13, 1884, midnight | FDIC #32307 | RSSD #24378 | FDIC
Latest Report: 2025-12-31

GALION BUILDING AND LOAN BANK, THE is amn micro FDIC-insured commercial bank headquartered in GALION, OH, established in Feb. 13, 1884, midnight. As of 2025-12-31, the bank reported total assets of $79M and total deposits of $64M. Profitability stands at 0.40% ROA and 3.71% ROE, with a net interest margin of 3.66%. The bank's CET1 capital ratio is 10.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.34% and a Texas Ratio of 2.13%. FDIC Certificate #32307.

Assets

$79M

Deposits

$64M

Loans

$55M

Equity

$9M

Profitability

Return on Assets (ROA) 0.40%
Return on Equity (ROE) 3.71%
Net Interest Margin (NIM) 3.66%
Yield on Assets 5.38%
Cost of Funds 2.15%

Asset Quality

NPL Ratio 0.34%
Net Charge-Off Ratio 0.00%
Texas Ratio 2.13%
NPA Ratio 0.24%
ACL / Loans 0.63%

Capital & Liquidity

CET1 Ratio 10.88%
Tier 1 Capital 10.88%
Total Capital Ratio 11.42%
Leverage Ratio 10.86%
Loan-to-Deposit 86.69%

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