Total Assets
$79M
Total balance-sheet footings
FDIC Cert #32307 · Galion, Ohio · Est. 1884
Galion Building and Loan Bank - FDIC Bank Health Profile
A community-scale look at Galion Building and Loan Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $79M
- Total assets
- C
- Health grade · Fair
- 0.36%
- Return on assets
- 10.9%
- Tier 1 capital
Data updated July 2026
The verdict
Galion Building and Loan Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 10.86% Tier 1, 0.36% ROA, 86% efficiency ratio.
- #3,916
- largest of 4,313 FDIC banks by assets
- 9th
- percentile by asset size, nationally
- 10.86%
- Tier 1 ratio - above the 10% well-capitalized line
- 11th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Galion Building and Loan Bank's 55/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Galion Building and Loan Bank's composite health score
Tier 1 Capital Ratio (10.86%) 28/40
Return on Assets (ROA) (0.36%) 7/25
Texas Ratio (2.15%) 20/20
Efficiency Ratio (86.01%) 0/15
55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$64M
Customer-funded liabilities
Net Loans
$55M
Outstanding loan book
Net Income
$283K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Galion Building and Loan Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Galion Building and Loan Bank's score of 55/100 falls in the highlighted band.
Galion Building and Loan 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). Galion Building and Loan Bank's $79M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.86% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.86%
Texas Ratio
2.15%
Equity Capital
$9M
Profitability metrics
Return on Assets (ROA)
11th percentile nationally
0.36%
Return on Equity (ROE)
3.37%
Efficiency Ratio
86.01%
What the numbers say about Galion Building and Loan Bank
Galion Building and Loan Bank is an FDIC-insured institution (Certificate #32307) headquartered in Galion, Ohio, established in 1884. It holds $79M in total assets - 3,916th of 4,313 FDIC-insured banks, $64M in customer deposits, and $55M in net loans. On safety, its Tier 1 capital ratio of 10.86% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.15% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (55/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Galion Building and Loan Bank ranks 140th of 158 banks based in Ohio -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$4M
Interest Income
$155K
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. Galion Building and Loan Bank reports a Texas Ratio of 2.15% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.15% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Galion Building and Loan Bank (FDIC Cert #32307) - 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.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is Galion Building and Loan Bank's health grade?▼
Galion Building and Loan Bank receives a health grade of C (55/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Galion Building and Loan Bank?▼
Galion Building and Loan Bank holds $79M in total assets and $64M in deposits, ranking 3,916th of 4,313 FDIC-insured banks by asset size. It is headquartered in Galion, Ohio.
Is my money safe at Galion Building and Loan Bank?▼
Yes, deposits at Galion Building and Loan Bank (Certificate #32307) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Galion Building and Loan Bank's Tier 1 Capital Ratio?▼
Galion Building and Loan Bank has a Tier 1 Capital Ratio of 10.86%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Galion Building and Loan Bank?▼
Galion Building and Loan Bank has a Texas Ratio of 2.15%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Galion Building and Loan Bank?▼
Galion Building and Loan Bank has an Efficiency Ratio of 86.01%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Galion Building and Loan Bank's profile as a depositor or analyst.
- Galion Building and Loan Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Galion Building and Loan Bank against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.