Jenks, OK · Cert 15118 · Gateway First Bcorp Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 2.2% share · #13 of 59 inst. · $0.8B of $39.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.83% | 0.37% | 0.43% | 0.49% | 0.51% | 1.54% | 1.33% | +90 bps | |
| Return on Equity | 7.59% | 6.29% | 2.74% | 3.19% | 3.62% | 3.78% | 11.37% | 9.77% | +658 bps | |
| Net Interest Margin | 2.93% | 2.94% | 2.96% | 2.98% | 2.90% | 2.93% | 3.00% | 3.00% | +2 bps | |
| Efficiency Ratio | 84.12% | 85.43% | 90.56% | 90.47% | 89.19% | 88.52% | 71.91% | 74.68% | -1,580 bps | |
| Non-Interest Burden | 1.58% | 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 / Loans | 3.68% | 4.51% | 4.45% | 3.85% | 3.71% | 4.70% | 3.00% | 4.36% | +51 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 1.62% | 0.77% | 0.52% | 0.39% | 0.00% | 0.02% | -75 bps | |
| Allowance / Loans | 1.16% | 1.13% | 0.76% | 0.72% | 0.71% | 0.75% | 0.76% | 0.74% | +2 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.2x | 0.2x | 0.2x | 0.2x | 0.3x | 0.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.57% | 13.30% | 13.31% | 12.91% | 12.57% | 12.55% | 13.67% | 14.14% | +123 bps | |
| Total Risk-Based Capital | 14.20% | 14.87% | 14.57% | 14.59% | 14.56% | 14.63% | 15.82% | 16.16% | +157 bps | |
| Equity / Assets | 13.49% | 13.64% | 13.77% | 13.30% | 13.52% | 13.43% | 13.75% | 13.68% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.43% | 132.36% | 119.91% | 125.43% | 122.65% | 126.60% | 124.87% | 124.32% | -111 bps | |
| Liquid Assets / Assets | 10.95% | 7.98% | 6.70% | 6.44% | 6.26% | 6.95% | 6.88% | 6.82% | +38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 273% | 273% | 248% | n/a | n/a | |