BlastPoint's Banking Scorecard

Gateway First Bank

$1B-$10B Specialty: Commercial OK FDIC cert 15118

Designations: ✓ Community bank ✓ Minority Depository Institution

Jenks, OK

16 branches across OK · AZ · CO · LA · TN · WA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
Deposits +7.0% year over year ($1.3B on the books).
Delinquency rate 4.39%.
Return on assets 1.33%.
Efficiency ratio 74.68% vs a 59.73% peer average.
Loan-to-deposit ratio 123.41% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in OK

View $1B-$10B leaderboard (OK) →

Gateway First Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 21.6% in tier

Key Concerns

Areas that may need attention

- Delinquency Rate 3.53% above tier average
- Loan-to-Deposit Ratio 38.37% above tier average
- Nonperforming Asset Ratio 2.96% above tier average
- ROA 0.06% below tier average
- Net Interest Margin 0.63% below tier average
- Efficiency Ratio 14.95% above tier average

Get updates when Gateway First Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$2.1B +4.3% YoY +2.4% QoQ	-$731.2M	$2.8B -0.6% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	52%
Total Loans ?	$1.6B +6.0% YoY +3.6% QoQ	-$374.6M	$2.0B -0.3% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	56%
Total Deposits ?	$1.3B +7.0% YoY +4.0% QoQ	-$1.0B	$2.3B -0.5% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	36%
Return on Assets ?	1.33% +207.6% YoY -13.9% QoQ	-0.06%	1.39% +17.0% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	57%
Net Interest Margin ?	3.24% -0.9% YoY +0.4% QoQ	-0.63%	3.87% +6.2% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	24%
Efficiency Ratio ?	74.68% -17.5% YoY +3.9% QoQ	+14.95%	59.73% -12.6% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Bottom 13.3% in tier
Delinquency Rate ?	4.39% +13.2% YoY +45.3% QoQ	+3.53%	0.87% +11.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Bottom 1.4% in tier
Loan-to-Deposit Ratio ?	123.41% -0.9% YoY -0.4% QoQ	+38.37%	85.04% -0.1% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	Bottom 1.7% in tier
Non-Interest-Bearing Deposit Share ?	30.71% -1.9% YoY +0.0% QoQ	+9.44%	21.27% -1.5% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	Top 14.0% in tier
Nonperforming Asset Ratio ?	3.64% +20.0% YoY +45.9% QoQ	+2.96%	0.67% +11.7% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Bottom 1.1% in tier
Tier 1 Capital Ratio ?	15.45% +11.1% YoY +2.4% QoQ	+0.61%	14.84% -0.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	77%
Non-Interest Income / Assets ?	2.04% +20.1% YoY +80.9% QoQ	+1.52%	0.53% +2.5% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Top 2.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Noninterest-Bearing	30.7% -0.6pp YoY 0.0pp QoQ	+9.3pp	21.4%	23.9%	22.2%	86%
Brokered Deposits	20.2% -0.4pp YoY -2.0pp QoQ	+10.8pp	9.5%	9.7%	8.5%	89%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	7.9% -0.9pp YoY -0.1pp QoQ	-6.1pp	14.0%	15.7%	12.5%	33%
CRE	41.9% +0.4pp YoY -0.7pp QoQ	-8.1pp	50.0%	42.0%	41.4%	29%
1-4 Family	46.3% -0.7pp YoY +1.0pp QoQ	+19.8pp	26.4%	24.0%	31.3%	87%
Consumer	0.5% +0.1pp YoY 0.0pp QoQ	-4.3pp	4.7%	5.6%	5.0%	30%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	15.4% +1.5pp YoY +0.4pp QoQ	-0.1pp	15.6%	17.0%	19.7%	74%
Leverage Ratio	14.1% +1.2pp YoY +0.5pp QoQ	+2.8pp	11.3%	11.7%	12.6%	90%
Total Capital Ratio	16.2% +1.6pp YoY +0.3pp QoQ	-0.5pp	16.7%	18.2%	20.8%	69%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	612 -31 (-4.8%) YoY +6 (+1.0%) QoQ	+298	313	150	482	90%
Assets per Employee ($)	$3.4M +9.6% YoY +1.4% QoQ	-$7.1M	$10.5M	$6.5M	$8.8M	1%
Branch Count	16 0 YoY 0 QoQ	-4	20	8	18	53%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	2.1% -1.1pp YoY 0.0pp QoQ	+1.9pp	0.2%	0.9%	0.4%	98%
Nonaccrual	2.3% +1.6pp YoY +1.4pp QoQ	+1.5pp	0.8%	1.5%	1.0%	94%
Allowance Coverage	0.17x -9.3% YoY -33.2% QoQ	-18.54x	18.71x	61.99x	20.23x	1%
Net Charge-off Rate (YTD)	0.0% -0.8pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.2%	0.2%	37%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	9.8% +6.6pp YoY -1.6pp QoQ	-2.8pp	12.6%	11.9%	11.6%	32%
Cost of Funds (YTD)	2.2% -0.5pp YoY -0.1pp QoQ	+0.3pp	1.9%	1.8%	1.7%	74%
Net Income ($, YTD)	$13.5M +224.1% YoY — QoQ	-$5.8M	$19.2M	$8.7M	$40.4M	55%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#49 of 222 • Top 21.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 2.04%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.33%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 2.04%

Peer Median: 0.53%

#24 of 885 Top 2.6% in $1B-$10B

125

Non-Interest-Bearing Deposit Share

funding

Value: 30.71%

Peer Median: 21.27%

#125 of 885 Top 14.0% in $1B-$10B

204

Tier 1 Capital Ratio

capital

Value: 15.45%

Peer Median: 14.84%

#204 of 885 Top 22.9% in $1B-$10B

Top Weaknesses (5 metrics)

876

Nonperforming Asset Ratio

credit_quality

Value: 3.64%

Peer Median: 0.67%

#876 of 885 Bottom 1.1% in $1B-$10B

871

Delinquency Rate

credit_quality

Value: 4.39%

Peer Median: 0.87%

#871 of 882 Bottom 1.4% in $1B-$10B

871

Loan-to-Deposit Ratio

liquidity

Value: 123.41%

Peer Median: 85.04%

#871 of 885 Bottom 1.7% in $1B-$10B

768

Efficiency Ratio

profitability

Value: 74.68%

Peer Median: 59.73%

#768 of 885 Bottom 13.3% in $1B-$10B

678

Net Interest Margin

profitability

Value: 3.24%

Peer Median: 3.87%

#678 of 885 Bottom 23.5% in $1B-$10B