The Galion Building and Loan Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Galion Building and Loan Bank of Galion, OH against its peer group of 536 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 | 0.54% | 3.14% | -2.60% | 27th below |
| ROAE | 4.97% | 10.43% | -5.46% | 32nd below |
| Net Interest Margin | 3.50% | 3.93% | -0.43% | 31st below |
| Efficiency Ratio | 81.06% | 76.29% | +4.77% | 28th below |
| PPNR / Avg Assets | 0.69% | 1.40% | -0.71% | 26th below |
| Yield on Earning Assets | 5.00% | 5.35% | -0.35% | 41st below |
| Cost of Funds | 1.84% | 1.70% | +0.14% | 35th below |
| Net Interest Spread | 3.00% | 3.31% | -0.31% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.86% | 1.34% | -0.48% | 34th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.62% | 0.71% | -0.09% | 28th below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.62% | 1.49% | -0.87% | 7th bottom |
| ACL / NPLs (Coverage) | 72.26% | 866.70% | -794.44% | 30th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.31% | 8.26% | -2.95% | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.18% | 17.62% | -6.44% | 30th below |
| Equity / Assets | 11.13% | 16.43% | -5.30% | 37th below |
| TCE / Tangible Assets | 11.13% | 16.19% | -5.06% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.37% | 72.79% | +15.58% | 20th bottom |
| Core Deposit Ratio | 94.66% | 88.20% | +6.46% | 70th above |
| Wholesale Funding Ratio | 7.64% | 5.26% | +2.38% | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.44% | 4.31% | -3.87% | 36th below |
| Loan Growth (Y/Y) | -0.91% | 6.74% | -7.65% | 36th below |
| Deposit Growth (Y/Y) | 0.89% | 3.78% | -2.89% | 43rd below |
See The Galion Building and Loan Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Galion Building and Loan 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 The Galion Building and Loan Bank profile, how to read a UBPR, or how this data updates.