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Gateway Bank, F.S.B.

$100M-$1B Specialty: Commercial CA FDIC cert 33103

Designations: ✓ Minority Depository Institution

Oakland, CA

2 branches across CA

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
  • Deposits -7.1% year over year ($204.1M on the books).
  • Delinquency rate 2.17%.
  • Return on assets -0.36%.
  • Efficiency ratio 110.67% vs a 64.48% peer average.
  • Loan-to-deposit ratio 119.51% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

Gateway Bank, F.S.B. faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 22.8% in tier
  • - Capital Constraint: Bottom 71.0% in tier
  • - Return on Assets 1.69% below tier average
  • - Net Interest Margin 1.24% below tier average
  • - Efficiency Ratio 46.19% above tier average
  • - Non-Interest-Bearing Deposit Share 18.09% below tier average
  • - Nonperforming Asset Ratio 1.17% above tier average
  • - Non-Interest Income / Assets 0.55% below tier average
Get updates when Gateway Bank, F.S.B. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $288.2M
+17.1% YoY +0.6% QoQ
-$98.4M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $243.9M
+35.6% YoY +6.0% QoQ
-$14.4M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
58%
Total Deposits ? $204.1M
-7.1% YoY +0.9% QoQ
-$122.6M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
35%
Return on Assets ? -0.36%
+74.2% YoY +25.7% QoQ
-1.69% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Bottom 2.1% in tier
Net Interest Margin ? 2.74%
+37.2% YoY +19.0% QoQ
-1.24% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Bottom 5.6% in tier
Efficiency Ratio ? 110.67%
-36.3% YoY -9.1% QoQ
+46.19% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Bottom 1.4% in tier
Delinquency Rate ? 2.17%
-19.7% YoY -30.8% QoQ
+1.26% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Bottom 11.2% in tier
Loan-to-Deposit Ratio ? 119.51%
+45.9% YoY +5.0% QoQ
+41.56% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
Bottom 1.4% in tier
Non-Interest-Bearing Deposit Share ? 3.94%
+10.6% YoY -4.8% QoQ
-18.09% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 2.8% in tier
Nonperforming Asset Ratio ? 1.84%
-7.0% YoY -27.1% QoQ
+1.17% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Bottom 8.7% in tier
Tier 1 Capital Ratio ? 13.84%
+30.7% YoY -5.2% QoQ
-2.07% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
56%
Non-Interest Income / Assets ? 0.02%
+204.2% YoY +107.1% QoQ
-0.55% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Bottom 1.6% 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 (CA) National Avg Tier Percentile
Noninterest-Bearing 3.9%
+0.4pp YoY
-0.2pp QoQ
 -18.2pp 22.1% 25.5% 22.2% 2%
Brokered Deposits 5.9%
-2.3pp YoY
0.0pp QoQ
 -2.0pp 7.9% 11.0% 8.5% 58%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 0.6%
-1.2pp YoY
-1.3pp QoQ
 -10.9pp 11.6% 11.8% 12.5% 2%
CRE 33.3% -6.2pp 39.5% 67.5% 41.4% 41%
1-4 Family 67.1%
-11.1pp YoY
-3.0pp QoQ
 +34.5pp 32.6% 16.5% 31.3% 93%
Consumer 0.0% -4.1pp 4.1% 5.3% 5.0% 0%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.7% 19.7% n/a
Leverage Ratio 13.8%
+3.3pp YoY
-0.8pp QoQ
 +1.7pp 12.2% 14.5% 12.6% 81%
Total Capital Ratio n/a n/a 19.9% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 32
+3 (+10.3%) YoY
+3 (+10.3%) QoQ
 -27 58 337 482 30%
Assets per Employee ($) $9.0M
+6.1% YoY
-8.8% QoQ
 +$1.5M $7.5M $11.3M $8.8M 79%
Branch Count 2
0 YoY
0 QoQ
 -3 4 15 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days 1.9%
+0.9pp YoY
+1.3pp QoQ
 +1.6pp 0.3% 0.3% 0.4% 97%
Nonaccrual 0.3%
-1.4pp YoY
-2.2pp QoQ
 -0.7pp 0.9% 1.4% 1.0% 34%
Allowance Coverage 0.50x
-3.8% YoY
+41.6% QoQ
 -23.66x 24.15x 17.11x 20.23x 10%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE -3.1%
+11.7pp YoY
+1.4pp QoQ
 -15.3pp 12.2% 8.2% 11.6% 2%
Cost of Funds (YTD) 3.0%
-0.4pp YoY
0.0pp QoQ
 +1.3pp 1.7% 1.9% 1.7% 98%
Net Income ($, YTD) $-507000.0
+71.6% YoY
— QoQ
 -$3.1M $2.6M $28.5M $40.4M 2%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline
#123 of 535 • Bottom 22.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Capital Constraint

risk
#77 of 107 • Bottom 71.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 119.51%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 13.84%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2608
Loan-to-Deposit Ratio
liquidity
Value: 119.51%
Peer Median: 77.95%
#2608 of 2643 Bottom 1.4% in $100M-$1B
2608
Efficiency Ratio
profitability
Value: 110.67%
Peer Median: 64.48%
#2608 of 2643 Bottom 1.4% in $100M-$1B
2603
Non-Interest Income / Assets
revenue_mix
Value: 0.02%
Peer Median: 0.57%
#2603 of 2643 Bottom 1.6% in $100M-$1B
2589
Return on Assets
profitability
Value: -0.36%
Peer Median: 1.32%
#2589 of 2643 Bottom 2.1% in $100M-$1B
2570
Non-Interest-Bearing Deposit Share
funding
Value: 3.94%
Peer Median: 22.03%
#2570 of 2643 Bottom 2.8% in $100M-$1B
2497
Net Interest Margin
profitability
Value: 2.74%
Peer Median: 3.99%
#2497 of 2643 Bottom 5.6% in $100M-$1B
2414
Nonperforming Asset Ratio
credit_quality
Value: 1.84%
Peer Median: 0.67%
#2414 of 2643 Bottom 8.7% in $100M-$1B
2338
Delinquency Rate
credit_quality
Value: 2.17%
Peer Median: 0.92%
#2338 of 2633 Bottom 11.2% in $100M-$1B
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