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Gala Bank
Ocala, FL · FDIC Certificate #59358 · Chartered 12/3
Total assets
$44.91M
Total deposits
$35.53M
Total equity
$9.18M
Net loans
$22.09M
Branches (offices)
2
Net income (YTD)
-$362.00K
Rank: #4,068 of 4,213 U.S. banks by assets · #79 of 81 in Florida. Assets changed 93.7% and deposits 169.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.98% |
| Return on equity | -7.72% |
| Net interest margin (YTD) | 4.82% |
| Equity to assets | 20.44% |
| Tier 1 leverage ratio | 22.07% |
| Uninsured deposits (share of deposits) | 57.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 62.2% |
| Real estate loans (share of loans) | 53.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $11.72M | 53.1% | |
| Commercial & industrial | $9.13M | 41.3% | |
| Consumer / individual | $391.00K | 1.8% | |
| Construction & development | $3.47M | 15.7% | |
| Agricultural | $1.07M | 4.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2025 | $23.19M | $13.19M | -$362.00K | $9.95M |
| Jun 2026 | $44.91M | $35.53M | -$362.00K | $9.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $35.53M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $35.53M.
Similar-sized banks
Sound Banking Company ($45.18M) · Highland State Bank ($44.85M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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