BlastPoint's Banking Scorecard

Gateway Bank, F.S.B.

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

Designations: ✓ Minority Depository Institution

Oakland, CA

3 branches across CA

2664 banks in the $100M-$1B peer group nationally 53 in 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 37.5% in tier
- Capital Constraint: Bottom 70.4% in tier
- Return on Assets 1.76% below tier average
- Net Interest Margin 1.62% below tier average
- Efficiency Ratio 56.44% above tier average
- Delinquency Rate 2.26% above tier average
- Non-Interest-Bearing Deposit Share 17.88% below tier average
- Nonperforming Asset Ratio 1.89% above tier average

Get updates when Gateway Bank, F.S.B. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$286.5M +11.2% YoY +10.0% QoQ	-$99.6M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	44%
Total Loans ?	$230.2M +24.2% YoY +8.3% QoQ	-$25.5M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$202.3M -12.1% YoY -0.4% QoQ	-$125.7M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	35%
Return on Assets ?	-0.49% +67.2% YoY +68.4% QoQ	-1.76%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Bottom 1.7% in tier
Net Interest Margin ?	2.31% +14.4% YoY +12.9% QoQ	-1.62%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	Bottom 2.0% in tier
Efficiency Ratio ?	121.72% -29.4% YoY -32.0% QoQ	+56.44%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Bottom 0.7% in tier
Delinquency Rate ?	3.14% +154.9% YoY -9.2% QoQ	+2.26%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Bottom 5.7% in tier
Loan-to-Deposit Ratio ?	113.78% +41.3% YoY +8.6% QoQ	+37.14%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	Bottom 1.8% in tier
Non-Interest-Bearing Deposit Share ?	4.14% +38.4% YoY -11.2% QoQ	-17.88%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Bottom 2.9% in tier
Nonperforming Asset Ratio ?	2.53% +184.5% YoY -10.6% QoQ	+1.89%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Bottom 4.4% in tier
Tier 1 Capital Ratio ?	14.59% +37.8% YoY +43.3% QoQ	-1.24%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.01% +150.2% YoY +148.5% QoQ	-0.27%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 1.5% in tier

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline

#191 of 506 • Bottom 37.5% in tier

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

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Capital Constraint

risk

#77 of 108 • Bottom 70.4% 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: 113.78%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 14.59%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2646

Efficiency Ratio

profitability

Value: 121.72%

Peer Median: 65.29%

#2646 of 2664 Bottom 0.7% in $100M-$1B

2625

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2625 of 2664 Bottom 1.5% in $100M-$1B

2620

Return on Assets

profitability

Value: -0.49%

Peer Median: 1.27%

#2620 of 2664 Bottom 1.7% in $100M-$1B

2617

Loan-to-Deposit Ratio

liquidity

Value: 113.78%

Peer Median: 76.64%

#2617 of 2664 Bottom 1.8% in $100M-$1B

2612

Net Interest Margin

profitability

Value: 2.31%

Peer Median: 3.93%

#2612 of 2664 Bottom 2.0% in $100M-$1B

2589

Non-Interest-Bearing Deposit Share

funding

Value: 4.14%

Peer Median: 22.02%

#2589 of 2664 Bottom 2.9% in $100M-$1B

2548

Nonperforming Asset Ratio

credit_quality

Value: 2.53%

Peer Median: 0.64%

#2548 of 2664 Bottom 4.4% in $100M-$1B

2504

Delinquency Rate

credit_quality

Value: 3.14%

Peer Median: 0.89%

#2504 of 2654 Bottom 5.7% in $100M-$1B