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Gateway Bank

$100M-$1B Specialty: Commercial AR FDIC cert 8730

Designations: ✓ CDFI-certified

Rison, AR

3 branches across AR

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 49 in AR.
  • Deposits +3.5% year over year ($162.6M on the books).
  • Delinquency rate 4.01%.
  • Return on assets 0.78%.
  • Efficiency ratio 77.63% vs a 64.48% peer average.
  • Loan-to-deposit ratio 97.69% 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 49 in AR
View $100M-$1B leaderboard (AR) →

Gateway Bank has 1 strength but faces 8 concerns

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

  • + Net Interest Margin 0.30% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 1.3% in tier
  • - Capital Thin: Bottom 14.4% in tier
  • - Liquidity Strain: Bottom 30.7% in tier
  • - Flatlined Growth: Bottom 38.0% in tier
  • - Delinquency Rate 3.09% above tier average
  • - Non-Interest-Bearing Deposit Share 16.07% below tier average
  • - Nonperforming Asset Ratio 4.06% above tier average
  • - Non-Interest Income / Assets 0.50% below tier average
Get updates when Gateway Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $181.0M
+1.8% YoY +2.4% QoQ
-$205.6M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $158.8M
+2.4% YoY +3.4% QoQ
-$99.5M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $162.6M
+3.5% YoY +3.0% QoQ
-$164.1M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
25%
Return on Assets ? 0.78%
-39.9% YoY -39.0% QoQ
-0.55% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
22%
Net Interest Margin ? 4.29%
+1.7% YoY -6.4% QoQ
+0.30% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
70%
Efficiency Ratio ? 77.63%
+14.6% YoY +16.4% QoQ
+13.15% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
17%
Delinquency Rate ? 4.01%
+39.1% YoY +26.7% QoQ
+3.09% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
Bottom 3.6% in tier
Loan-to-Deposit Ratio ? 97.69%
-1.0% YoY +0.4% QoQ
+19.74% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
Bottom 12.9% in tier
Non-Interest-Bearing Deposit Share ? 5.96%
-11.6% YoY -7.0% QoQ
-16.07% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
Bottom 4.7% in tier
Nonperforming Asset Ratio ? 4.73%
+80.9% YoY +19.0% QoQ
+4.06% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
Bottom 1.2% in tier
Tier 1 Capital Ratio ? 9.65%
+2.5% YoY -6.3% QoQ
-6.25% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
Bottom 6.7% in tier
Non-Interest Income / Assets ? 0.06%
-14.9% YoY +102.3% QoQ
-0.50% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
Bottom 8.4% 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 (AR) National Avg Tier Percentile
Noninterest-Bearing 6.0%
-0.8pp YoY
-0.4pp QoQ
 -16.2pp 22.1% 19.6% 22.2% 4%
Brokered Deposits 9.4%
-4.5pp YoY
-2.0pp QoQ
 +1.5pp 7.9% 7.2% 8.5% 73%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 13.4%
-0.8pp YoY
-0.9pp QoQ
 +1.9pp 11.6% 12.7% 12.5% 70%
CRE 45.2%
+0.7pp YoY
+0.8pp QoQ
 +5.7pp 39.5% 41.0% 41.4% 63%
1-4 Family 40.5%
+1.2pp YoY
+0.2pp QoQ
 +7.9pp 32.6% 28.1% 31.3% 71%
Consumer 1.5%
-0.5pp YoY
-0.2pp QoQ
 -2.7pp 4.1% 4.5% 5.0% 38%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 9.7%
+0.2pp YoY
-0.6pp QoQ
 -2.5pp 12.2% 11.9% 12.6% 24%
Total Capital Ratio n/a n/a 19.9% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 28
+1 (+3.7%) YoY
0 QoQ
 -31 58 315 482 24%
Assets per Employee ($) $6.5M
-1.9% YoY
+2.4% QoQ
 -$1.1M $7.5M $6.7M $8.8M 42%
Branch Count 3
0 YoY
0 QoQ
 -2 4 25 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
 -0.2pp 0.3% 0.1% 0.4% 50%
Nonaccrual 3.9%
+1.0pp YoY
+0.7pp QoQ
 +3.0pp 0.9% 1.1% 1.0% 96%
Allowance Coverage 0.30x
-37.0% YoY
-21.5% QoQ
 -23.86x 24.15x 4.69x 20.23x 3%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 73%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 7.8%
-5.9pp YoY
-4.8pp QoQ
 -4.4pp 12.2% 12.3% 11.6% 24%
Cost of Funds (YTD) 3.4%
-0.1pp YoY
+0.1pp QoQ
 +1.7pp 1.7% 2.0% 1.7% 100%
Net Income ($, YTD) $687,000
-40.0% YoY
— QoQ
 -$1.9M $2.6M $16.0M $40.4M 16%

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 (4)

Margin Compression

decline
#5 of 307 • Bottom 1.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.78%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Capital Thin

risk
#96 of 661 • Bottom 14.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.65%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Liquidity Strain

risk
#213 of 691 • Bottom 30.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 97.69%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Flatlined Growth

risk
#202 of 529 • Bottom 38.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.78%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

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 (10 metrics)

2613
Nonperforming Asset Ratio
credit_quality
Value: 4.73%
Peer Median: 0.67%
#2613 of 2643 Bottom 1.2% in $100M-$1B
2539
Delinquency Rate
credit_quality
Value: 4.01%
Peer Median: 0.92%
#2539 of 2633 Bottom 3.6% in $100M-$1B
2520
Non-Interest-Bearing Deposit Share
funding
Value: 5.96%
Peer Median: 22.03%
#2520 of 2643 Bottom 4.7% in $100M-$1B
2466
Tier 1 Capital Ratio
capital
Value: 9.65%
Peer Median: 15.91%
#2466 of 2643 Bottom 6.7% in $100M-$1B
2422
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.57%
#2422 of 2643 Bottom 8.4% in $100M-$1B
2304
Loan-to-Deposit Ratio
liquidity
Value: 97.69%
Peer Median: 77.95%
#2304 of 2643 Bottom 12.9% in $100M-$1B
2201
Efficiency Ratio
profitability
Value: 77.63%
Peer Median: 64.48%
#2201 of 2643 Bottom 16.8% in $100M-$1B
2072
Total Assets
size
Value: $180.98M
Peer Median: $386.57M
#2072 of 2643 Bottom 21.6% in $100M-$1B
2058
Return on Assets
profitability
Value: 0.78%
Peer Median: 1.32%
#2058 of 2643 Bottom 22.2% in $100M-$1B
1993
Total Deposits
size
Value: $162.59M
Peer Median: $326.73M
#1993 of 2643 Bottom 24.6% in $100M-$1B
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