$287M
+11.2%y/y
Percentile by value94th percentileby value
FDIC
ASSETGB
Gateway Bank, F.S.B.
Oakland, CaliforniaFDIC Cert #33103
OCCEstablished 19903 branches
Holding company: Not reportedRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportGateway Bank, F.S.B. reported $287M in total assets. Deposits declined 12.14% over the prior year.
Return on assets was −0.49%, compared with an asset-peer median of 1.18%. The leverage ratio was 14.59%.
- Why is Efficiency Ratio above asset peers?
- Why is Total Assets above asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$202M
−12.1%y/y
Percentile by value75th percentileby value
FDIC
DEP$230M
+24.2%y/y
Percentile by value99th percentileby value
FDIC
LNLSNET−0.49%
+100 bpsy/y
Peer standing2nd percentile
FDIC
NETINC + ROA121.72%
−5,079 bpsy/y
Peer standing1st percentile
FDIC
NONIX + NIM + NONII + EEFFR14.59%
+401 bpsy/y
Peer standing82nd percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $202M | $137M |
| Q3 2021 | $172M | $147M |
| Q4 2021 | $175M | $155M |
| Q1 2022 | $177M | $160M |
| Q2 2022 | $161M | $146M |
| Q3 2022 | $165M | $151M |
| Q4 2022 | $181M | $162M |
| Q1 2023 | $189M | $168M |
| Q2 2023 | $186M | $171M |
| Q3 2023 | $179M | $164M |
| Q4 2023 | $198M | $168M |
| Q1 2024 | $221M | $192M |
| Q2 2024 | $222M | $194M |
| Q3 2024 | $250M | $221M |
| Q4 2024 | $256M | $229M |
| Q1 2025 | $258M | $230M |
| Q2 2025 | $246M | $220M |
| Q3 2025 | $233M | $208M |
| Q4 2025 | $260M | $203M |
| Q1 2026 | $287M | $202M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $5.79M |
| Investor CRE | $39.6M |
| Multifamily | $21.5M |
| Construction | $0 |
| 1–4 family | $161M |
| C&I | $4.36M |
| Agriculture | $0 |
| Other | $0 |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.49%2nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE−4.51%2nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY2.31%2nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR121.72%1st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP−12.14%1st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+24.15%94th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR3.11%6th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ14.59%82nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.06%3rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.49%5th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.10%Median 1.10%90th 2.16%Observations 121
ROE
FDIC
NETINC + ROE−4.51%5th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.97%Median 8.59%90th 17.23%Observations 121
NIM
FDIC
NIM + NIMY2.31%4th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.85%Median 3.77%90th 4.90%Observations 123
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR121.72%3rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 39.68%Median 60.80%90th 96.70%Observations 121
Deposits YoY
FDIC
DEP−12.14%2nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −5.66%Median +4.99%90th +23.38%Observations 120
Loans YoY
FDIC
LNLSNET+24.15%92nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.04%Median +7.60%90th +21.89%Observations 116
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR3.11%7th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 2.67%Observations 117
Leverage
FDIC
RBC1AAJ14.59%73rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.40%Median 11.85%90th 22.17%Observations 123
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.06%8th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.66%Median 2.81%90th 3.93%Observations 117
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 96%Median 254%90th 442%Observations 81
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.49%11th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.57%Median 0.35%90th 2.52%Observations 19
ROE
FDIC
NETINC + ROE−4.51%11th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −5.48%Median 2.04%90th 17.50%Observations 19
NIM
FDIC
NIM + NIMY2.31%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.76%Median 3.83%90th 4.96%Observations 19
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR121.72%6th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 54.31%Median 87.04%90th 120.10%Observations 19
Deposits YoY
FDIC
DEP−12.14%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −9.13%Median +5.69%90th +39.13%Observations 19
Loans YoY
FDIC
LNLSNET+24.15%82nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.42%Median +14.07%90th +43.93%Observations 18
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR3.11%6th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.20%90th 2.24%Observations 18
Leverage
FDIC
RBC1AAJ14.59%44th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.46%Median 14.76%90th 26.57%Observations 19
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.06%17th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.32%Median 3.40%90th 4.13%Observations 19
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 109%90th 351%Observations 6
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 3 branches
- Headquarters
- Oakland, CA
FDIC
OFFDOMOpen the California dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data