BlastPoint's Banking Scorecard
Gateway Bank
Mendota Heights, MN
2 branches across MN
Gateway Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 23.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.0% in tier
- - Credit Risk Growth: Bottom 3.9% in tier
- - Efficiency Drag: Bottom 4.6% in tier
- - Return on Assets 0.91% below tier average
- - Non-Interest Income / Assets 0.26% below tier average
- - Net Interest Margin 0.40% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$313.1M
+7.3% YoY
+3.9% QoQ
|
-$73.0M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
48% |
| Total Loans ? |
$227.2M
+3.0% YoY
+0.6% QoQ
|
-$28.5M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$282.5M
+9.4% YoY
+7.4% QoQ
|
-$45.4M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
0.36%
-67.7% YoY
-73.3% QoQ
|
-0.91% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
Bottom 9.6% in tier |
| Net Interest Margin ? |
3.53%
+4.6% YoY
-1.6% QoQ
|
-0.40% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
32% |
| Efficiency Ratio ? |
88.62%
+38.4% YoY
+48.1% QoQ
|
+23.33% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.5% in tier |
| Delinquency Rate ? |
0.01%
-41.3% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Top 13.0% in tier |
| Loan-to-Deposit Ratio ? |
80.40%
-5.9% YoY
-6.3% QoQ
|
+3.77% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
24.16%
+10.5% YoY
+13.6% QoQ
|
+2.14% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.00%
-43.1% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Top 12.3% in tier |
| Tier 1 Capital Ratio ? |
11.97%
-11.2% YoY
-15.5% QoQ
|
-3.86% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.02%
-10.7% YoY
-77.2% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.1% in tier |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.