BlastPoint's Banking Scorecard
Gateway Bank
Mendota Heights, MN
2 branches across MN
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 151 in MN.
- Deposits +5.0% year over year ($269.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.36%.
- Efficiency ratio 65.70% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.83% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Gateway Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 1.22% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$319.5M
+9.7% YoY
+2.1% QoQ
|
-$67.0M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
50% |
| Total Loans ? |
$223.4M
+0.6% YoY
-1.7% QoQ
|
-$34.9M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
53% |
| Total Deposits ? |
$269.7M
+5.0% YoY
-4.5% QoQ
|
-$57.0M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
49% |
| Return on Assets ? |
1.36%
+4.6% YoY
+274.7% QoQ
|
+0.03% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
3.99%
+14.6% YoY
+13.1% QoQ
|
+0.00% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
65.70%
+5.3% YoY
-25.9% QoQ
|
+1.22% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
0.00%
-83.4% YoY
-60.9% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Top 12.3% in tier |
| Loan-to-Deposit Ratio ? |
82.83%
-4.2% YoY
+3.0% QoQ
|
+4.88% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
21.42%
-2.7% YoY
-11.4% QoQ
|
-0.61% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.00%
-84.8% YoY
-62.3% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Top 11.2% in tier |
| Tier 1 Capital Ratio ? |
11.29%
-18.0% YoY
-5.7% QoQ
|
-4.62% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.11%
+105.4% YoY
+380.0% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
20% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.4%
-0.6pp YoY -2.7pp QoQ |
-0.7pp | 22.1% | 21.9% | 22.2% | 52% |
| Brokered Deposits |
6.9%
-2.9pp YoY -1.8pp QoQ |
-0.9pp | 7.9% | 8.3% | 8.5% | 64% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.1%
-0.5pp YoY -0.3pp QoQ |
+13.5pp | 11.6% | 14.6% | 12.5% | 94% |
| CRE |
37.6%
-1.7pp YoY +0.2pp QoQ |
-1.9pp | 39.5% | 36.5% | 41.4% | 48% |
| 1-4 Family |
35.9%
+1.7pp YoY -0.8pp QoQ |
+3.3pp | 32.6% | 29.4% | 31.3% | 63% |
| Consumer |
2.2%
+0.4pp YoY +0.8pp QoQ |
-1.9pp | 4.1% | 4.5% | 5.0% | 50% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.3%
-2.5pp YoY -0.7pp QoQ |
-7.5pp | 18.8% | 16.5% | 19.7% | 10% |
| Leverage Ratio |
8.4%
-2.0pp YoY -0.5pp QoQ |
-3.8pp | 12.2% | 11.0% | 12.6% | 5% |
| Total Capital Ratio |
12.5%
-2.5pp YoY -0.7pp QoQ |
-7.4pp | 19.9% | 17.6% | 20.8% | 11% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
32
+3 (+10.3%) YoY +1 (+3.2%) QoQ |
-27 | 58 | 55 | 482 | 30% |
| Assets per Employee ($) |
$10.0M
-0.6% YoY -1.1% QoQ |
+$2.5M | $7.5M | $8.6M | $8.8M | 86% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 4 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 7% |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
558.20x
+493.6% YoY +160.0% QoQ |
+534.05x | 24.15x | 20.41x | 20.23x | 99% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.1%
-0.5pp YoY +8.3pp QoQ |
-0.1pp | 12.2% | 13.1% | 11.6% | 50% |
| Cost of Funds (YTD) |
1.7%
-0.5pp YoY -0.3pp QoQ |
0.0pp | 1.7% | 1.7% | 1.7% | 50% |
| Net Income ($, YTD) |
$2.1M
+13.9% YoY — QoQ |
-$444K | $2.6M | $4.5M | $40.4M | 54% |
Get Full Access to Gateway 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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.