Side-by-side · Q2 2026 data
First National Bank of Wauchula vs Gala Bank
Metric by metric
| Measure | First National Bank of Wauchula | Gala Bank |
|---|---|---|
| TellerScore | 71 | 73 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 73 | 100 (stronger) |
| Earnings | 45 (stronger) | 0 |
| Funding & liquidity | 85 (stronger) | 51 |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 42nd | 48th |
| Total assets | $87.5M | $44.9M |
| Deposits / shares | $76.2M | $35.5M |
| Capital ratio | 12.16% | 22.07% (stronger) |
| Problem loans | 0.80% | 0.00% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 0.63% (stronger) | -1.98% |
| Loans ÷ deposits | 73.7% | 62.2% (stronger) |
| Uninsured deposits | 16.9% (stronger) | 57.1% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gala Bank has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Wauchula leads on 3 and Gala Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.