BlastPoint's Banking Scorecard
Gateway Bank
Designations: ✓ CDFI-certified
Rison, AR
3 branches across AR
Gateway Bank has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.65% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 9.0% in tier
- - Liquidity Strain: Bottom 13.1% in tier
- - Flatlined Growth: Bottom 40.8% in tier
- - Delinquency Rate 2.27% above tier average
- - Non-Interest-Bearing Deposit Share 15.61% below tier average
- - Nonperforming Asset Ratio 3.33% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - Efficiency Ratio 1.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$176.7M
-1.1% YoY
+2.0% QoQ
|
-$209.4M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$153.7M
-2.2% YoY
-1.4% QoQ
|
-$102.1M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$157.9M
+0.7% YoY
+1.9% QoQ
|
-$170.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
1.27%
+10.8% YoY
+4.4% QoQ
|
+0.00% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
4.58%
+12.4% YoY
+7.7% QoQ
|
+0.65% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
66.67%
-4.7% YoY
-4.1% QoQ
|
+1.38% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
3.16%
+11.7% YoY
-9.3% QoQ
|
+2.27% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.5% in tier |
| Loan-to-Deposit Ratio ? |
97.32%
-2.9% YoY
-3.2% QoQ
|
+20.68% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 12.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.41%
-10.1% YoY
+7.9% QoQ
|
-15.61% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.0% in tier |
| Nonperforming Asset Ratio ? |
3.97%
+52.5% YoY
-3.5% QoQ
|
+3.33% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.6% in tier |
| Tier 1 Capital Ratio ? |
10.30%
+7.8% YoY
+1.2% QoQ
|
-5.53% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.6% in tier |
| Non-Interest Income / Assets ? |
0.03%
-2.4% YoY
-78.1% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 8.9% 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 (0)
Concerns (3)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.