Compared with Florida
7 of 16
compared fees are above the median.
3 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
86th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Florida median
of 16 compared; 3 below, 6 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Gala Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Florida median | Published fees above the Florida median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Gala Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Service-charge income by quarter
Q4 2024 to Q2 2026, standalone quarters
Service charges were 4.8% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (86th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $21K in Q2 2026, 2000% above the same quarter a year earlier ($1K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 16 compared published fees sit above the Florida median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Florida medians for fees published by banks and credit unions.
Cashier's Check
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 2000% from Q3 2025 to Q2 2026, to $21K. Its share of revenue, 4.8%, is above the 2.1% median for banks with under $300M in assets.
$21K
Gala BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Gala Bank · $45M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Gala Bank(this institution) | Ocala, FL | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 1st Bank in Hominy | Hominy, OK | $45M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Avana Bank | Abilene, TX | $40M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Brewton | Brewton, AL | $50M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank Of Jackson Hole Trust | Jackson, WY | $38M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Mead | Mead, NE | $40M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Benton County State Bank | Blairstown, IA | $51M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Carrollton Federal Bank | Carrollton, KY | $44M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens State Bank | Carleton, NE | $36M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community National Bank in Monmouth | Monmouth, IL | $55M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Cornerstone Bank | Clarinda, IA | $42M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cottonwood Valley Bank | Cedar Point, KS | $38M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Farmers State Bank | Pine Bluffs, WY | $35M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Kindred State Bank | Kindred, ND | $43M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lamont Bank of St. John | Saint John, WA | $51M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| North Side Federal Savings and Loan Association of Chicago | Chicago, IL | $42M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Portrait Bank | Winter Park, FL | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Richton Bank & Trust Company | Richton, MS | $52M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Second Federal Savings and Loan Association of Philadelphia | Philadelphia, PA | $46M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| State Bank of Lake Park | Lake Park, MN | $47M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State National Bank | Groom, TX | $55M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Talbot State Bank | Woodland, GA | $52M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First Farmers National Bank of Waurika | Waurika, OK | $56M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Mer Rouge State Bank | Mer Rouge, LA | $52M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The State Exchange Bank | Mankato, KS | $51M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Washita State Bank | Burns Flat, OK | $44M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8 among 15 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Gala Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Gala Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q4 2024 to Q2 2026, standalone quarters · 7 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $21K | $0 | 0.0% |
| Q1 2026 | $21K | +$6K | +40.0% |
| Q4 2025 | $15K | +$14K | +1400.0% |
| Q3 2025 | $1K | $0 | 0.0% |
| Q2 2025 | $1K | +$1K | |
| Q1 2025 | $0 | $0 | |
| Q4 2024 | $0 |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Gala Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Gala Bank by share.
Amounts from Gala Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Balancing (per hour) | $25.00
per hour · Research - per hour (1 hour minimum, + costs below) | $25.00
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account closing (90 days from opening date) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant account (per month) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Balancing (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | Balancing (per hour) | $25.00 |
| Research - per hour (1 hour minimum, + costs below) | $25Not compared: Charged per hour; comparison unavailable | per hour | Research - per hour (1 hour minimum, + costs below) | $25.00 |
| Paper statements (per month) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Return mail (per month) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Non-sufficient funds (if returned) Non-sufficient item fees apply to all checking and savings accounts. Fees apply to it | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card - lost or stolen card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire transfer (outgoing domestic) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfer (incoming domestic) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire transfer (outgoing international) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire transfer (incoming international) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (3 to a page - per page) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Cash & Deposit | |||
| Return deposit item | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Closing Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Per statement copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 31, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Gala Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $35.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $23.0M | |
| 1 | $12.5M |
Ocala, FL
0.3% of bank deposits, #21 of 21, up 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Truist Bank | 16.4% |
| Bank of America, National Association | 14.8% |
| Wells Fargo Bank, National Association | 13.6% |
| Regions Bank | 12.5% |
| SouthState Bank, National Association | 8.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2025 to 2026. Deposits are booked at the branch as of June 30.
In Ocala, FL, Gala Bank holds 0.3% of bank deposits, #21 of 21, with 1 office.
The fee comparison uses its home metro, Gainesville, FL.
81 offices of 28 institutions shown.
Showing 81 of 86 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 21 institutions shown. $7.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2025 to 2026
June 2026: 0.3% share, 1 office, #21 of 21
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2025 to 2026.
Credit unions, reported separately
26 offices of 7 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Fee change alerts
We check once a day and send one email covering every change.