Galoy Arcade · 1980–2030

Run Your Own Bank

You are the new CEO of a three-branch community bank with $250 million in assets. Fifty years of real banking history are coming: 20% prime, the thrift crisis, FDICIA, the internet, 2008, zero rates, the 2023 rate shock, and the rules that finally let banks touch Bitcoin. Every decision moves a real balance sheet. Keep capital above the line, keep your depositors' trust, and see what kind of bank you have built by 2030.

Your town 1980

Bank = your branch · Blue = business customers · Tan = homes · Green = parks (trust) · Dots = vacant lots

Final report

Game Over

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Galoy Arcade · a balance-sheet game with simplified history, not advice.

Welcome, CEO

The balance sheet is real. Loans earn a yield, deposits cost interest, branches cost money to run, and bad loans get charged off. Net income flows into equity every year.

Capital ratio = equity ÷ assets. Below 5% you are no longer well capitalized. Below 4% you are undercapitalized and owe the examiners a capital restoration plan; at 2% the regulator must close you. (In this game, two straight years below 4% also ends it.) Watch the composite rating: 1 is strong, 5 is a bank about to be closed.

Trust drives deposits. Lose your depositors' confidence in a crisis year and you will learn what a bank run looks like.

Choices carry forward. Brokered funding, online banking, long bonds, digital-asset customers: what you decide in one decade changes your options in the next.