The Galion Building and Loan Bank
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Data as of · sourced from FFIEC call reports. How we update
The Galion Building and Loan Bank is an FDIC-insured commercial bank headquartered in Galion, OH, established in 1884 (FDIC certificate 32307), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $78.5M, up 0.4% from Q2 2025, the 138th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.18% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 32307
- Headquarters
- Galion, OH
- Established
- 1884
- Total assets, Q2 2026
- $78.5M
- Assets vs Q2 2025
- +0.4%
- Tier 1 leverage ratio, Q2 2026
- 11.18%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 241271054
- Latest call report
- Q2 2026, FFIEC 051 · The Galion Building and Loan Bank Q3 2026 call report, filed October 26, 2026 (preliminary)
- Asset rank in state
- 138th of 154 in Ohio
Little in The Galion Building and Loan Bank's latest call report stands out. Based in Galion, Ohio, it had $79 million in assets at June 30, 2026. On most measures it sits near the middle of the 533 banks with less than $100 million in assets.
Earnings jumped: net income for the quarter was $108,000, 61% above the same quarter a year earlier.
As of June 30, 2026, The Galion Building and Loan Bank reported a return on assets of 0.54%, a nonperforming-loan ratio of 0.58% and a Texas ratio of 3.59%. The figures come from its call report filed with the FFIEC.
The Galion Building and Loan Bank ranks as the 138th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.2% to $78.5M, loans rose 2.4% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 75.5% of total loans, followed by other consumer loans at 9.8%. Its one office in the FDIC Summary of Deposits is in Galion, OH. On its Q2 2026 call report, The Galion Building and Loan Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 920 Bucyrus Rd, Galion, OH 44833
- County
- Crawford
- Metro Area
- Bucyrus, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 13, 1884
- Former names
- Galion Building and Loan Bank (2001)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $63.3M
- Allowance for credit losses
- $349K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $79.3M
- Average total loans
- $55.2M
- Average interest-bearing deposits
- $51.8M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32307
- Fed RSSD
- 24378
- Website
- www.gblbank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Galion Building and Loan Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Galion Building and Loan Bank's total assets moved between a low of $74.9M (Q2 2024) and a high of $79.5M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$78.5M total assets against $78.2M; $69.8M total liabilities against $69.8M.
$55.6M net loans and leases against $56.1M; $63.3M total deposits against $62.7M.
$13.4M securities against $11.4M; $7.1M cash and balances due against $8.1M.
$968K total interest income against $946K; $291K total interest expense against $307K.
$677K net interest income against $639K.
$41K total noninterest income against $38K; $582K total noninterest expense against $592K.
$0 provision for credit losses against $0.
$108K net income against $67K.
0.54% return on assets against 0.34%; 3.50% net interest margin against 3.38%.
11.18% tier 1 leverage ratio against 10.93%.
Inside the full The Galion Building and Loan Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.29% (Q1 2025) to 0.54% (Q2 2026) and its net interest margin ran from 3.20% (Q1 2025) to 3.50% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.18% | 0.54% | 0.58% | 3.59% | 3.50% |
| Q1 2026 | 11.08% | 0.41% | 0.29% | 1.74% | 3.32% |
| Q4 2025 | 10.86% | 0.40% | 0.35% | 2.15% | 3.41% |
| Q3 2025 | 10.97% | 0.41% | 0.36% | 2.34% | 3.37% |
| Q2 2025 | 10.93% | 0.34% | 0.50% | 3.22% | 3.38% |
| Q1 2025 | 10.88% | 0.29% | 0.28% | 1.80% | 3.20% |
| Q4 2024 | 10.83% | 0.33% | 0.31% | 2.06% | 3.29% |
| Q3 2024 | 11.01% | 0.35% | 0.47% | 3.04% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Galion Building and Loan Bank | Galion , OH | 44833 | $63.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 163 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Galion Building and Loan Bank
What are The Galion Building and Loan Bank's total assets?
As of the Q2 2026 filing, The Galion Building and Loan Bank reported total assets of $78.5 million in its FFIEC call report.
Where is The Galion Building and Loan Bank headquartered?
It is headquartered in Galion, OH, United States.
When was The Galion Building and Loan Bank founded?
It was established in 1884, per the FDIC institution directory.
Is The Galion Building and Loan Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #32307). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Galion Building and Loan Bank?
The Galion Building and Loan Bank's primary federal regulator is the FDIC.
How many branches does The Galion Building and Loan Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Galion Building and Loan Bank's Texas Ratio?
Its Texas Ratio is 3.59% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Galion Building and Loan Bank previously called?
The charter now named The Galion Building and Loan Bank has also operated as Galion Building and Loan Bank (2001), per FDIC structure-change records.
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