GALA BANK

OCALA, FL | Micro | Est. Dec. 30, 2024, midnight | FDIC #59358 | RSSD #5839915 | FDIC
Latest Report: 2025-12-31

GALA BANK is amn micro FDIC-insured commercial bank headquartered in OCALA, FL, established in Dec. 30, 2024, midnight. As of 2025-12-31, the bank reported total assets of $31M and total deposits of $21M. Profitability stands at -3.23% ROA and -10.17% ROE, with a net interest margin of 4.23%. The bank's CET1 capital ratio is 39.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #59358.

Assets

$31M

Deposits

$21M

Loans

$15M

Equity

$10M

Profitability

Return on Assets (ROA) -3.23%
Return on Equity (ROE) -10.17%
Net Interest Margin (NIM) 4.23%
Yield on Assets 5.37%
Cost of Funds 2.43%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.85%

Capital & Liquidity

CET1 Ratio 39.01%
Tier 1 Capital 39.01%
Total Capital Ratio 39.56%
Leverage Ratio 30.13%
Loan-to-Deposit 68.88%

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