Add image above gif with ffmpeg

I cut out the top part of a 320×356 gif as follows:

ffmpeg -i image.gif -filter:v "crop=320:226:0:130" out.gif

I have a text image that I want to put where the cut out part was; how do I do this? Preferably with as little quality loss as possible (but also preferably without an explosion in file size). Also if there’s quality loss from the crop, is there a better way to do it?