BlastPoint's Banking Scorecard
Gala Bank
Micro
Specialty: Commercial
FL
FDIC cert 59358
Designations: ✓ Community bank
Ocala, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Gala Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 15.52% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 30.16% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 4.57% below tier
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$30.9M
+198.0% YoY
+2.6% QoQ
|
-$186.6M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$14.5M
+15.8% QoQ
|
-$124.7M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$21.2M
+4.9% QoQ
|
-$162.4M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
-3.48%
+73.9% YoY
+1.0% QoQ
|
-4.57% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
4.47%
+5.6% QoQ
|
+0.62% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
209.10%
-3.2% QoQ
|
+141.38% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
68.30%
+10.5% QoQ
|
-6.23% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
37.91%
-5.9% QoQ
|
+15.52% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
39.01%
-85.3% YoY
-21.0% QoQ
|
+30.16% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.06%
+517.3% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.91%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
39.01%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-3.48%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Tier 1 Capital Ratio
Current: 39.01% · Tier avg: 8.85%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.91% · Tier avg: 22.39%
78
78th pctile
Net Interest Margin
Current: 4.47% · Tier avg: 3.85%
65
65th pctile
Loan-to-Deposit Ratio
Current: 68.30% · Tier avg: 74.53%
5
5th pctile
Total Loans
Current: $14.5M · Tier avg: $139.2M
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
3
3th pctile
Total Assets
Current: $30.9M · Tier avg: $217.5M
3
3th pctile
Total Deposits
Current: $21.2M · Tier avg: $183.7M
0
0th pctile
Return on Assets
Current: -3.48% · Tier avg: 1.08%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -3.48% · Tier avg: 1.08%
3
3th pctile
Total Deposits
Current: $21.2M · Tier avg: $183.7M
3
3th pctile
Total Assets
Current: $30.9M · Tier avg: $217.5M
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
5
5th pctile
Total Loans
Current: $14.5M · Tier avg: $139.2M
65
65th pctile
Loan-to-Deposit Ratio
Current: 68.30% · Tier avg: 74.53%
78
78th pctile
Net Interest Margin
Current: 4.47% · Tier avg: 3.85%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.91% · Tier avg: 22.39%
99
99th pctile
Tier 1 Capital Ratio
Current: 39.01% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%