Gala Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Equity capital to 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. Gala Bank has the 3rd lowest return on assets of the 79 banks headquartered in Florida, at -1.91% as of Q2 2026. Gala Bank's return on assets of -1.91% is well below the 1.00% median for banks in the < $100M asset tier, a gap of 2.91 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 29.51% |
| Tier 1 risk-based capital ratio | 29.51% |
| Total risk-based capital ratio | 30.06% |
| Tier 1 leverage ratio | 22.07% |
| Equity capital to assets | 20.44% |
| Tangible equity to tangible assets | 20.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.70% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.91% |
| Return on equity | -7.98% |
| Net interest margin | 4.96% |
| Efficiency ratio | 151.83% |
| Yield on earning assets | 6.11% |
| Cost of funds | 1.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.60% |
| Core deposits to total deposits | 96.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.12% |
| Securities to assets | 14.14% |
Vital Signs trend
Last 7 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2024 | 266.11% | 266.11% | 266.11% | 100.23% | — |
| Q1 2025 | 115.34% | 115.34% | 115.74% | 84.87% | -6.05% |
| Q2 2025 | 77.63% | 77.63% | 78.21% | 47.25% | -3.59% |
| Q3 2025 | 49.37% | 49.37% | 49.92% | 34.27% | -2.70% |
| Q4 2025 | 39.01% | 39.01% | 39.56% | 30.13% | -3.27% |
| Q1 2026 | 36.49% | 36.49% | 37.06% | 26.48% | -2.13% |
| Q2 2026 | 29.51% | 29.51% | 30.06% | 22.07% | -1.91% |
Gala Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gala Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)