Gala Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to total assets dropped 7.04 percentage points in Q2 2026, from 27.48% to 20.44%. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Gala Bank ranks 5th highest among the 56 banks headquartered in Florida, at 29.51% (Q2 2026). The median for banks in the < $100M asset tier is 19.96% on CET1 ratio. Gala Bank sits 9.54 points higher, at 29.51% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.51% |
| Tier 1 risk-based capital ratio | 29.51% |
| Total risk-based capital ratio | 30.06% |
| Tier 1 leverage ratio | 22.07% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $8.3M |
| Tier 1 capital | $8.3M |
| Total risk-based capital | $8.5M |
| Total equity capital | $9.2M |
| Risk-weighted assets | $28.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.44% |
| Tangible equity to tangible assets | 20.44% |
| Equity capital to average assets | 23.72% |
| Internal capital growth rate | -7.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.8M |
| Common stock surplus | $5.8M |
| Retained earnings | -$2.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$29K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 7 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2024 | 266.11% | 266.11% | 266.11% | 100.23% | $3.7M |
| Q1 2025 | 115.34% | 115.34% | 115.74% | 84.87% | $8.3M |
| Q2 2025 | 77.63% | 77.63% | 78.21% | 47.25% | $12.1M |
| Q3 2025 | 49.37% | 49.37% | 49.92% | 34.27% | $18.4M |
| Q4 2025 | 39.01% | 39.01% | 39.56% | 30.13% | $22.6M |
| Q1 2026 | 36.49% | 36.49% | 37.06% | 26.48% | $23.6M |
| Q2 2026 | 29.51% | 29.51% | 30.06% | 22.07% | $28.3M |
Gala Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Gala Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Gala Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59358) · FFIEC NIC profile (RSSD 5839915)