Gala Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Yield to cost spread rose 0.46 percentage points in Q2 2026 to 3.88%, the biggest move on this page. On net interest margin, Gala Bank ranks 5th highest among the 79 banks headquartered in Florida, at 4.96% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Gala Bank sits 1.08 points higher, at 4.96% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.11% |
| Yield on loans | 7.71% |
| Yield on securities | 3.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.37% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.96% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $380K |
| Total interest expense | $97K |
| Interest expense on deposits | $97K |
Yields and Funding Costs trend
Last 7 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2024 | — | — | — | — | 0.00% |
| Q1 2025 | 4.93% | 1.89% | 4.43% | 10.80% | 4.16% |
| Q2 2025 | 5.45% | 2.45% | 3.93% | 7.78% | 4.04% |
| Q3 2025 | 6.29% | 2.07% | 4.80% | 9.42% | 4.05% |
| Q4 2025 | 5.90% | 1.57% | 4.65% | 7.64% | 4.24% |
| Q1 2026 | 5.95% | 1.49% | 4.73% | 7.87% | 3.91% |
| Q2 2026 | 6.11% | 1.37% | 4.96% | 7.71% | 3.82% |
Gala Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gala Bank, freeSource: Call Report Schedules RI and RC-K, 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)