BlastPoint's Banking Scorecard
Gala Bank
Designations: ✓ Community bank
Ocala, FL
2 branches across FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 6 in FL.
- Deposits +169.4% year over year ($35.5M on the books).
- Delinquency rate 0.00%.
- Return on assets -1.98%.
- Efficiency ratio 157.30% vs a 119.40% peer average.
- Loan-to-deposit ratio 62.16% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Gala Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 17.85% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Net Interest Margin 0.91% above tier average
Key Concerns
Areas that may need attention
- - Return on Assets 2.97% below tier average
- - Efficiency Ratio 37.91% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$44.9M
+93.7% YoY
+31.6% QoQ
|
-$17.5M |
$62.4M
-0.0% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
26% |
| Total Loans ? |
$22.1M
+216.6% YoY
+40.1% QoQ
|
-$12.8M |
$34.9M
-0.6% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
32% |
| Total Deposits ? |
$35.5M
+169.4% YoY
+44.1% QoQ
|
-$16.1M |
$51.6M
-0.2% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
25% |
| Return on Assets ? |
-1.98%
+52.1% YoY
+9.3% QoQ
|
-2.97% |
1.00%
+3.5% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 4.5% in tier |
| Net Interest Margin ? |
4.82%
+29.6% YoY
-1.5% QoQ
|
+0.91% |
3.91%
+2.3% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
84% |
| Efficiency Ratio ? |
157.30%
-38.0% YoY
-4.1% QoQ
|
+37.91% |
119.40%
+49.6% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
Bottom 4.1% in tier |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
62.16%
+17.5% YoY
-2.8% QoQ
|
-12.05% |
74.21%
+12.6% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
41.34%
+153.4% YoY
-4.2% QoQ
|
+17.85% |
23.49%
+0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
Top 8.0% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
29.51%
-62.0% YoY
-19.1% QoQ
|
+2.38% |
27.13%
+3.0% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.10%
+45.4% QoQ
|
-1.28% |
1.38%
+6.3% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
39% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
41.3%
+25.0pp YoY -1.8pp QoQ |
+16.7pp | 24.6% | 27.7% | 22.2% | 91% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
41.3%
-8.8pp YoY -8.3pp QoQ |
+27.9pp | 13.4% | 12.9% | 12.5% | 97% |
| CRE | n/a | n/a | 25.2% | 50.6% | 41.4% | n/a |
| 1-4 Family | 0.9% | -34.1pp | 35.0% | 30.7% | 31.3% | 6% |
| Consumer |
1.8%
+1.0pp YoY -0.4pp QoQ |
-5.9pp | 7.7% | 3.7% | 5.0% | 20% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
29.5%
-48.1pp YoY -7.0pp QoQ |
-9.2pp | 38.7% | 19.8% | 19.7% | 72% |
| Leverage Ratio |
22.1%
-25.2pp YoY -4.4pp QoQ |
+4.4pp | 17.7% | 13.9% | 12.6% | 88% |
| Total Capital Ratio |
30.1%
-48.2pp YoY -7.0pp QoQ |
-9.6pp | 39.7% | 21.1% | 20.8% | 71% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
+7 (+63.6%) YoY +1 (+5.9%) QoQ |
+6 | 12 | 295 | 482 | 84% |
| Assets per Employee ($) |
$2.5M
+18.3% YoY +24.3% QoQ |
-$3.7M | $6.2M | $10.3M | $8.8M | 5% |
| Branch Count |
2
+1 (+100.0%) YoY 0 QoQ |
+0 | 1 | 13 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 16.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-7.7%
-0.6pp YoY -0.2pp QoQ |
-14.1pp | 6.4% | 9.3% | 11.6% | 6% |
| Cost of Funds (YTD) |
1.2%
+0.1pp YoY -0.1pp QoQ |
-0.2pp | 1.4% | 1.8% | 1.7% | 36% |
| Net Income ($, YTD) |
$-362000.0
0.0% YoY — QoQ |
-$680K | $317,817 | $25.2M | $40.4M | 4% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.