The Galion Building and Loan 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.
Reserve coverage of non-performing loans dropped 38.54 percentage points in Q2 2026, from 110.79% to 72.26%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Galion Building and Loan Bank is 126th of 156 on return on assets, 0.54% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. The Galion Building and Loan Bank sits 0.43 points lower, at 0.54% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.18% |
| Equity capital to assets | 11.13% |
| Tangible equity to tangible assets | 11.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.86% |
| Non-performing assets ratio | 0.62% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.31% |
| Allowance for credit losses to loans | 0.62% |
| Reserve coverage of non-performing loans | 72.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.54% |
| Return on equity | 4.97% |
| Net interest margin | 3.50% |
| Efficiency ratio | 81.06% |
| Yield on earning assets | 5.00% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.37% |
| Core deposits to total deposits | 94.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.62% |
| Securities to assets | 17.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.51% | 0.44% | 3.31% | 0.76% | -0.01% |
| Q4 2023 | 10.39% | 0.33% | 3.37% | 0.46% | -0.01% |
| Q1 2024 | 10.83% | 0.51% | 3.38% | 0.65% | -0.01% |
| Q2 2024 | 10.93% | 0.54% | 3.40% | 0.91% | -0.01% |
| Q3 2024 | 11.01% | 0.35% | 3.28% | 0.76% | -0.01% |
| Q4 2024 | 10.83% | 0.33% | 3.29% | 0.87% | 0.00% |
| Q1 2025 | 10.88% | 0.29% | 3.20% | 0.59% | -0.01% |
| Q2 2025 | 10.93% | 0.34% | 3.38% | 0.54% | 0.00% |
| Q3 2025 | 10.97% | 0.41% | 3.37% | 0.65% | 0.00% |
| Q4 2025 | 10.86% | 0.40% | 3.41% | 0.64% | -0.01% |
| Q1 2026 | 11.08% | 0.41% | 3.32% | 0.58% | -0.01% |
| Q2 2026 | 11.18% | 0.54% | 3.50% | 0.86% | 0.00% |
The Galion Building and Loan Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Galion Building and Loan 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 The Galion Building and Loan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32307) · FFIEC NIC profile (RSSD 24378)