Gala Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Gala Bank of Ocala, FL against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.91% | 0.85% | -2.76% | 4th bottom |
| ROAE | -7.98% | 5.23% | -13.21% | 6th bottom |
| Net Interest Margin | 4.96% | 3.94% | +1.02% | 86th top |
| Efficiency Ratio | 151.83% | 76.13% | +75.70% | 4th bottom |
| PPNR / Avg Assets | -2.35% | — | — | 1st bottom |
| Yield on Earning Assets | 6.11% | 5.42% | +0.69% | 80th top |
| Cost of Funds | 1.37% | 1.69% | -0.32% | 59th above |
| Net Interest Spread | 3.88% | — | — | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.23% | -1.23% | 86th top |
| NPA / Total Assets | 0.00% | — | — | 83rd top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.70% | — | — | 10th bottom |
| Texas Ratio | 0.00% | 7.23% | -7.23% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 29.51% | 25.12% | +4.39% | 66th above |
| Tier 1 Ratio | 29.51% | 25.12% | +4.39% | 66th above |
| Total Capital Ratio | 30.06% | — | — | 65th above |
| Leverage Ratio | 22.07% | 14.13% | +7.94% | 83rd top |
| Equity / Assets | 20.44% | 13.07% | +7.37% | 80th top |
| TCE / Tangible Assets | 20.44% | — | — | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.60% | 68.58% | -5.98% | 57th above |
| Core Deposit Ratio | 96.62% | 88.79% | +7.83% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 93.66% | — | — | 100th top |
| Loan Growth (Y/Y) | 215.70% | — | — | 100th top |
| Deposit Growth (Y/Y) | 169.41% | — | — | 100th top |
See Gala Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Gala Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Gala Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Gala Bank peer analysis.