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, the rules that finally let banks touch bitcoin, and the year AI agents ask for access to your ledger. 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.

Run Your Own Bank

Balance sheet

Assets$250M

Loans$165M

Deposits$230M

Equity$20M

Standing

Capital ratio8.0%

CAMELS1

Public trust70%

Branches3

1980

Year 1 of 50

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.