Total Assets
$31M
Total balance-sheet footings
FDIC Cert #59358 · Ocala, Florida · Est. 2024
Gala Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $31M
- Total assets
- C
- Health grade · Fair
- -3.48%
- Return on assets
- 39.0%
- Tier 1 capital
Data updated July 2026
The verdict
Gala Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 39.01% Tier 1, -3.48% ROA, 209% efficiency ratio.
- #4,234
- largest of 4,313 FDIC banks by assets
- 2nd
- percentile by asset size, nationally
- 39.01%
- Tier 1 ratio - above the 10% well-capitalized line
- 1st
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 59358 · FL C · 60/100
GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL
- GRADE-C C (60/100)
- LOWER-Q #3847/4307
- PHOTO-FINISH Solutions Plus Bank · AL
- TIER1-WELL 39.0% Tier 1
- TEXAS-CLEAN 0.0% Texas
- ROA-LOSS -3.48% ROA
- SIZE-COMMUNITY <$100M
- BOOK-FULL 9/9 fields
Nearest health peer outside Florida: Solutions Plus Bank, AL (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Gala Bank
Lowest and highest poles plus nearest scored peers outside Florida, not a full FDIC corpus board reprint.
Call Report read for Gala Bank in a high-failure state
Gala Bank (FDIC Cert #59358) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,847 of 4,307. Tier 1 capital prints at 39.01%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is -3.48%. Balance-sheet scale is $31M, 4,234th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Solutions Plus Bank (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Gala Bank
76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus
Gala Bank sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about Gala Bank's current Call Report.
- FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
- FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
- VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Florida banks.
How Gala Bank's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (39.01%) 40/40
Return on Assets (ROA) (-3.48%) 0/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (209.10%) 0/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$21M
Customer-funded liabilities
Net Loans
$15M
Outstanding loan book
Net Income
$-792K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Gala Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Gala Bank's score of 60/100 falls in the highlighted band.
Gala Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
60 11th percentile higher than 11% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Gala Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Gala Bank's $31M falls in the highlighted band.
Capital & credit buffers at Gala Bank
Tier 1 capital ratio
Well-capitalized 10%
39.01% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
39.01%
Texas Ratio
0.00%
Equity Capital
$10M
Profitability metrics: Gala Bank
Return on Assets (ROA)
1st percentile nationally
-3.48%
Return on Equity (ROE)
-7.96%
Efficiency Ratio
209.10%
Income & expense: loss period at Gala Bank
$1M
Interest Income
$19K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Gala Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Gala Bank
Gala Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-792K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Gala Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Florida by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($31M here), outside Florida so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Gala Bank (FDIC Cert #59358) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Gala Bank Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National AssociationWinter Haven | $67.2B | A | 1.40% |
| EverBank, National AssociationJacksonville | $46.0B | B | 0.72% |
| Raymond James BankSaint Petersburg | $43.4B | A | 1.47% |
| BankUnited, National AssociationMiami Lakes | $35.0B | B | 0.89% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| Seacoast National BankStuart | $20.8B | A | 0.91% |
| Amerant Bank, National AssociationCoral Gables | $9.8B | C | 0.64% |
| Ocean BankMiami | $7.4B | B | 0.92% |