BlastPoint's Banking Scorecard
Gateway First Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Jenks, OK
16 branches across OK · AZ · CO · LA · TN · WA
Gateway First Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 19.5% in tier
- + ROA 0.18% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.13% above tier average
- - Loan-to-Deposit Ratio 39.72% above tier average
- - Nonperforming Asset Ratio 1.82% above tier average
- - Net Interest Margin 0.58% below tier average
- - Efficiency Ratio 10.84% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+5.9% YoY
+0.4% QoQ
|
-$801.4M |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
51% |
| Total Loans ? |
$1.5B
+7.6% YoY
+0.6% QoQ
|
-$431.6M |
$2.0B
+0.6% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$1.2B
+3.3% YoY
+2.0% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
1.54%
+312.0% YoY
+201.8% QoQ
|
+0.18% |
1.37%
+19.6% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
74% |
| Net Interest Margin ? |
3.23%
+0.4% YoY
-1.6% QoQ
|
-0.58% |
3.82%
+6.9% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
71.91%
-20.6% YoY
-18.8% QoQ
|
+10.84% |
61.06%
-4.6% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
3.02%
-32.5% YoY
-36.2% QoQ
|
+2.13% |
0.89%
+14.1% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.2% in tier |
| Loan-to-Deposit Ratio ? |
123.92%
+4.1% YoY
-1.4% QoQ
|
+39.72% |
84.20%
+0.3% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.71%
+7.2% YoY
+18.9% QoQ
|
+9.42% |
21.29%
-2.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Top 14.7% in tier |
| Nonperforming Asset Ratio ? |
2.49%
-27.1% YoY
-32.7% QoQ
|
+1.82% |
0.67%
+15.6% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.8% in tier |
| Tier 1 Capital Ratio ? |
15.09%
+8.6% YoY
+8.5% QoQ
|
-0.07% |
15.16%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
1.13%
+31.0% YoY
-66.0% QoQ
|
+0.87% |
0.26%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Top 2.6% in tier |
Get Full Access to Gateway First Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.