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Gateway First Bank

Jenks, OK · Cert 15118 · Gateway First Bcorp Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

81

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

14

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gateway First Bank

Jenks, OK · Cert 15118 · Gateway First Bcorp Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$2.1BAssets
$1.6BLoans
$1.3BDeposits
$282.1MEquity
Loan mix
91%RE $1.4B8%C&I $0.1B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $892.0M31%Noninterest $395.3MQ3 2024Q2 2026

Market Position · Tulsa, OK · 2026 SOD (annual) · 2.2% share · #13 of 59 inst. · $0.8B of $39.3B

2.4% Tulsa
49.6% Alfalfa
0.3% Oklahoma
6.7% Washington

Executive Summary

  • Earnings: ROA of 1.33%, up 90 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 4.36% of loans (+51 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 14.14%, up 123 bps from a year ago.
  • Funding: loans stand at 124.32% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.33%+90 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+2 bps YoY

Efficiency Ratio (YTD, annualized)

74.68%-1,580 bps YoY

Tier 1 Leverage Ratio

14.14%+123 bps YoY

NIM

4.99%Q2 ’245.37%Q2 ’255.06%Q2 ’26+15%+1%

Non-interest income vs. expense

6.44%Q2 ’245.90%Q2 ’255.44%Q2 ’26+165%-50%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%0.83%0.37%0.43%0.49%0.51%1.54%1.33%+90 bps
Return on Equity7.59%6.29%2.74%3.19%3.62%3.78%11.37%9.77%+658 bps
Net Interest Margin2.93%2.94%2.96%2.98%2.90%2.93%3.00%3.00%+2 bps
Efficiency Ratio84.12%85.43%90.56%90.47%89.19%88.52%71.91%74.68%-1,580 bps
Non-Interest Burden1.58%1.76%2.33%2.34%2.19%2.18%0.84%1.16%-118 bps
Growth
Asset Growth (YoY)-10.40%-10.35%-11.62%-1.05%2.72%5.88%5.86%4.35%+539 bps
Loan Growth (YoY)-7.82%-5.83%-5.96%5.66%8.61%7.55%7.62%6.06%+40 bps
Deposit Growth (YoY)-1.18%1.25%1.73%0.27%3.99%12.44%3.35%7.01%+673 bps
Asset Quality
Nonperforming Loans / Loans3.68%4.51%4.45%3.85%3.71%4.70%3.00%4.36%+51 bps
Net Charge-Offs / Loans0.02%0.02%1.62%0.77%0.52%0.39%0.00%0.02%-75 bps
Allowance / Loans1.16%1.13%0.76%0.72%0.71%0.75%0.76%0.74%+2 bps
Allowance Coverage of NPLs0.3x0.3x0.2x0.2x0.2x0.2x0.3x0.2x0.0x
Capital
Tier 1 Leverage Ratio12.57%13.30%13.31%12.91%12.57%12.55%13.67%14.14%+123 bps
Total Risk-Based Capital14.20%14.87%14.57%14.59%14.56%14.63%15.82%16.16%+157 bps
Equity / Assets13.49%13.64%13.77%13.30%13.52%13.43%13.75%13.68%+38 bps
Liquidity & Funding
Loans / Deposits117.43%132.36%119.91%125.43%122.65%126.60%124.87%124.32%-111 bps
Liquid Assets / Assets10.95%7.98%6.70%6.44%6.26%6.95%6.88%6.82%+38 bps
CRE / Total Capitaln/an/an/an/a273%273%248%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Gateway First Bank

Jenks, OK · Cert 15118 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Gateway First Bcorp Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$2.1BAssets
$1.6BLoans
$1.3BDeposits
$282.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 89% of banks $1B-$10B in assets operating in a single state (rank 28 of 258).
  • Widest gap: nonperforming loans / loans trails 99% of banks $1B-$10B in assets operating in a single state (rank 256 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.31%

Rank 107 of 258

Net Interest Margin

3.00%

Rank 210 of 258

Efficiency Ratio

74.81%

Rank 221 of 257

Equity / Assets

13.68%

Rank 28 of 258

Non-interest income vs. expense

$84.3M$107.2MINCOMEEXPENSE
Unfavorable gap of $22.9M · efficiency ratio beats 14% of banks $1B-$10B in assets operating in a single state
Bank 74.81%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.31%0.93%1.23%1.54%Beats 59%107 / 258
Return on Equity9.56%9.26%11.84%14.74%Beats 29%184 / 258
Net Interest Margin3.00%3.16%3.49%3.88%Beats 19%210 / 258
Efficiency Ratio74.81%51.71%60.30%69.65%Beats 14%221 / 257
Asset Quality
Nonperforming Loans / Loans4.36%0.19%0.46%0.90%Beats 1%256 / 258
Net Charge-Offs / Loans0.02%0.01%0.02%0.07%Beats 55%118 / 258
Capital
Tier 1 Capital Ratio15.45%11.41%12.98%15.12%Beats 78%57 / 258
Total Risk-Based Capital Ratio16.16%12.10%13.91%16.08%Beats 76%63 / 258
Equity / Assets13.68%9.09%10.24%11.72%Beats 89%28 / 258
Liquidity & Funding
Loans / Deposits124.32%73.24%86.34%95.95%98th pctl4 / 258
Loans / Assets77.62%63.01%72.27%78.40%69th pctl79 / 258
Brokered Deposits / Depositsn/aNot reported for this institution