Gala Bank (FDIC certificate #59358) is based in Ocala, Florida. Its Q2 2026 call report shows $44.9M in total assets and $35.5M in deposits and 2 offices.
Based on its Q2 2026 filing, Gala Bank scores 73/100, which we describe as strong. That is higher than only 48% of 546 banks with under $100 million in assets. Among 82 banks headquartered in Florida, it ranks 28th. Its strongest component is capital cushion (100/100; 22.07%), and its lowest is earnings (0/100; -1.98%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
7 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 73).
Show as table
| Quarter | TellerScore |
|---|---|
| Q4 2024 | 80 |
| Q1 2025 | 73 |
| Q2 2025 | 73 |
| Q3 2025 | 72 |
| Q4 2025 | 72 |
| Q1 2026 | 74 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q4 2024 | 100.23% |
| Q1 2025 | 84.87% |
| Q2 2025 | 47.25% |
| Q3 2025 | 34.27% |
| Q4 2025 | 30.13% |
| Q1 2026 | 26.48% |
| Q2 2026 | 22.07% |
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| Quarter | Noncurrent loans |
|---|---|
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q4 2024 | -13.37% |
| Q1 2025 | -4.86% |
| Q2 2025 | -4.12% |
| Q3 2025 | -3.52% |
| Q4 2025 | -3.48% |
| Q1 2026 | -2.18% |
| Q2 2026 | -1.98% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $44.9M | 22.07% | 0.00% | -1.98% | 62.2% |
| Q1 2026 | 74 | $34.1M | 26.48% | 0.00% | -2.18% | 63.9% |
| Q4 2025 | 72 | $30.9M | 30.13% | 0.00% | -3.48% | 68.3% |
| Q3 2025 | 72 | $30.1M | 34.27% | 0.00% | -3.52% | 61.8% |
| Q2 2025 | 73 | $23.2M | 47.25% | 0.00% | -4.12% | 52.9% |
| Q1 2025 | 73 | $19.1M | 84.87% | 0.00% | -4.86% | 37.9% |
| Q4 2024 | 80 | $10.4M | 100.23% | 0.00% | -13.37% | 0.0% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Portrait BankBank Winter Park, FL | 79 out of 100, Strong | $44.7M | 99.2% | 0.00% | vs |
| Echelon BankBank Clearwater, FL | 75 out of 100, Strong | $52.2M | 67.4% | 0.00% | vs |
| Members Trust CompanyBank Tampa, FL | 74 out of 100, Strong | $34.3M | 91.4% | 0.00% | vs |
| Eastern National BankBank Miami, FL | 55 out of 100, Moderate | $65.2M | 8.0% | 0.08% | vs |
| First National Bank of WauchulaBank Wauchula, FL | 71 out of 100, Strong | $87.5M | 12.2% | 0.80% | vs |
Deposit insurance
Is my money safe at Gala Bank?
Yes. Gala Bank is an FDIC-insured institution (FDIC certificate #59358). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 57.1% of deposits ($20.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 22.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 30.06% (benchmark: 10%).
2 locations
Branches
Gala Bank lists 2 offices in 2 cities. Most locations:
- Gainesville, FL (1)
- Ocala, FL (1)
Identity & history
Profile
- Legal name
- Gala Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59358
- RSSD ID
- 5839915
- Primary regulator
- FDIC
- Established
- December 30, 2024
- Headquarters
- 517 Sw 27th Ave, Ocala, FL 34471
- Website
- www.gala.bank
- Employees
- 18
Quick answers
Gala Bank: common questions
Is Gala Bank FDIC insured?
Yes. Gala Bank is an FDIC-insured institution (FDIC certificate #59358). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Gala Bank's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Gala Bank ever failed?
There is no failure record for FDIC certificate #59358 in the FDIC failed bank list.
How many branches does Gala Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ocala
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Campus USA Credit UnionCredit union Gainesville, FL | 76 out of 100, Strong | $4.0B | 12.3% | 0.38% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| United Southern BankBank Umatilla, FL | 76 out of 100, Strong | $843.0M | 10.8% | 0.44% | vs |
| Florida Credit UnionCredit union Gainesville, FL | 75 out of 100, Strong | $2.8B | 12.7% | 0.80% | vs |
| Cogent BankBank Orlando, FL | 72 out of 100, Strong | $2.5B | 9.7% | 0.39% | vs |
| Midflorida Credit UnionCredit union Lakeland, FL | 72 out of 100, Strong | $9.8B | 10.7% | 0.46% | vs |